Houston, TX
Your Houston, TX mortgage, done right.
Down-payment-assistance, FHA, first-time-buyer programs sized to Houston budgets — matched to your Houston file, from The Heights to every corner of Houston.
Can Choice Home Mortgage help me buy a home in Houston, TX?
Yes. Choice Home Mortgage helps Houston buyers and homeowners through licensed partner brokers who handle the Texas licensing, while we coordinate the Houston file and compare many lenders for it. We are a family-owned broker licensed in California (NMLS #2629064), and owner Esther Buede coordinates your loan from the first call to closing.
For Houston, FHFA's 2026 one-unit limit is $832,750 (Harris County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
What financing a Houston home really takes.
Houston offers one of the most affordable large-city markets in the country; no state income tax and a diverse job base (energy, medical, the port) sustain steady demand without coastal-city price spikes.
The loan has to fit the Houston picture. A one-unit Houston purchase conforms to $832,750 in 2026 — the national baseline Harris County runs on. Under that $832,750 line — where most Houston purchases sit — conventional, FHA, and down-payment-assistance all stay in play. Houston’s price tier is solidly middle-of-market. Source: FHFA 2026 limits. We’ll verify your numbers.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Some 2.2 million people live in Houston — The Heights, Midtown, and between — a short drive from Missouri City or Sugar Land. Houston isn’t an abstraction to us — we know it down to the Houston skyline and Space Center Houston. From The Heights, River Oaks, Montrose, and Midtown to everywhere else on the Houston map — the financing reaches all of it. Searching “mortgage broker near me” from Houston? We cover Houston by phone and online — Houston-level market help, no office visit. Of the 83 Texas cities we serve, Houston plays by its own numbers — that’s the point: the Houston file, not a state template.
One file, many lenders, Houston terms.
Houston know-how
Houston pricing shifts pocket by pocket — The Heights, River Oaks, Montrose, near the Houston skyline and Space Center Houston — and the loan should match the pocket you pick.
First Houston home help
We open most Houston files with down-payment-assistance, FHA, first-time-buyer, then layer in whatever down-payment help your Houston numbers qualify for.
Many lenders, one file
Houston buyers bring us one file; we bring it to a market of lenders, and the competition does the rest.
The owner, coordinating
Your Houston file is coordinated by owner Esther Buede herself, and in Houston or Missouri City hers is the name buyers recognize from our reviews.
Owner-coordinated, application to Houston keys.
One coordinator, no queue: Esther Buede, the owner (individual NMLS #2003644), personally coordinates each Houston loan with our licensed partner brokers, from River Oaks to the far side of Houston. Meet the family behind CHM →
“Painless and no hidden surprises. Choice Home Mortgage is a company I can trust.”
Houston financing that fits the home and the borrower.
Houston keeps us busy with down-payment-assistance files — the draw of the Houston skyline and Space Center Houston doesn’t hurt. Houston work runs heaviest on down-payment-assistance, FHA, first-time-buyer, arranged through our licensed partner-broker network — but the full menu stays open for Houston files: FHA, non-QM, VA, and conventional. Any starting point works: buying, refinancing, or simply exploring — apply in minutes or call (949) 522-7310.
The programs that come up most for Houston buyers: FHA, first-time-buyer, down-payment-assistance.
Self-employed in Houston? We also work with 1099 and business-owner borrowers — 1099 income included, plus asset-based qualifying for Houston investors. Harris County’s full 2026 loan limits by property type break down one- through four-unit ceilings if you want the complete picture.
Beyond Houston itself, Missouri City, Sugar Land, Pearland buyers work with us the same way. More Texas cities we work in →
For Houston, TX: financing arranged through licensed partner brokers, coordinated by Choice Home Mortgage, licensed in California (NMLS #2629064). Equal Housing Opportunity. We serve Houston remotely; there is no local Houston office.
Houston questions we hear most.
What loan size keeps a Houston mortgage conforming?
$832,750 is the 2026 conforming limit for a single-family home in Houston, based on FHFA's figure for Harris County. That is the national baseline with no high-cost adjustment, so a loan above $832,750 is a jumbo loan. Two-unit homes in Harris County have a $1,066,250 conforming limit for 2026.
How do first-time buyers usually finance a Houston home?
First-time buyers in Houston usually finance with FHA and conventional loans. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules. HUD's 2026 FHA limit for one unit in Harris County is $541,287. Some conventional programs accept 3% down from first-time buyers.
Are certain Houston neighborhoods outside your coverage?
No. Every Houston neighborhood is covered, The Heights, River Oaks, Montrose and Midtown included. The neighborhood affects the appraisal, which compares recent nearby sales, but the loan terms come from your credit, income and down payment. Wherever the address is, from The Heights to Midtown, a licensed partner broker originates the loan and we coordinate it by phone and online.
Do you work with Houston, TX buyers?
Yes. We work with Houston buyers through licensed partner brokers who hold the Texas license, and we coordinate each file. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Houston office, so the application, documents and updates run by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
Do you serve areas near Houston?
Yes. Besides Houston, we also arrange loans in Missouri City, Sugar Land and Pearland through licensed partner brokers. Loan limits are set county by county, so the limit is re-checked for whichever town the home is in. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as a Houston file.
What does the mortgage process look like from Houston?
From Houston, the whole mortgage process runs by phone and online: you apply online, upload documents and get updates as the loan moves. Licensed partner brokers cover the Texas licensing, while Choice Home Mortgage (California NMLS #2629064) coordinates the file and the lender shopping. Owner Esther Buede is your point of contact from the first call to closing.
Your Houston home is a call away.
Talk to the owner directly. We'll map the right loan for your Houston home and put lenders in competition for Houston business.