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.
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. Source: FHFA 2026 limits. We’ll verify your numbers.
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, on your file
Owner Esther Buede runs every Houston file herself — one expert from your first Houston call to your closing.
Owner-handled, application to Houston keys.
One desk, no queue: Esther Buede — owner, licensed (individual NMLS #2003644), closing since 2005 — personally works each Houston loan, 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.
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?
In Harris County, the 2026 single-family limit is $832,750; anything above that in Houston is jumbo territory. FHFA sets it — we'll verify your Houston case.
How do first-time buyers usually finance a Houston home?
Start with FHA, first-time-buyer, down-payment-assistance — those carry most first Houston purchases. We'll check what your Houston file qualifies for, including any down-payment help, before you pick a lane.
Are certain Houston neighborhoods outside your coverage?
No corner of Houston is off the map: The Heights, River Oaks, Montrose, Midtown, all covered. Pricing follows your Houston file, not the street.
Do you work with Houston, TX buyers?
Your Houston, TX loan is arranged through licensed partner brokers, with Choice Home Mortgage (California NMLS #2629064) coordinating the Houston file and the lender shopping end to end.
Do you serve areas near Houston?
Missouri City, Sugar Land, Pearland — all covered alongside Houston, each with its own limit details worked in.
What does the mortgage process look like from Houston?
Simple: one call to map the Houston plan, then documents and updates online. Licensed partner brokers handle TX licensing while your Houston loan gets shopped — start to close, remotely.
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.