Houston, TX
Your Houston, TX mortgage, done right.
Conventional, FHA, and first-time-buyer paths for Houston — clear guidance from pre-approval through closing.
How Houston buyers get to the closing table.
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.
That market shapes the loan. In Harris County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Houston purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and first-time-buyer options on the table. Limits per FHFA 2026; verify your scenario with us.
We work Houston from the ground up — close to the Houston skyline and Space Center Houston. We finance homes across The Heights, River Oaks, Montrose, and Midtown — and every other corner of Houston. Looking for a mortgage broker near you in Houston? We serve the area by phone and online, so you get a local-market broker without driving to an office.
What you get with a local broker.
Houston market knowledge
Near the Houston skyline and Space Center Houston, across The Heights, River Oaks, Montrose — we know Houston's neighborhoods, prices, and the programs that fit them.
First-time & assistance
Houston buyers often start with FHA, first-time-buyer, down-payment-assistance — we match you to the down-payment and first-time programs you qualify for.
Lenders shopped for you
As a broker we shop many lenders for your Houston file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your Houston loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Houston, your loan is handled personally by owner Esther Buede — a licensed mortgage expert (individual NMLS #2003644) who has guided California families to the closing table since 2005. Not a call center, not a rotating cast — one expert who knows your file and your market. Meet the family behind CHM →
“Closed in 8 days. I never knew a home refinance could happen so quickly and painlessly!”
Houston financing that fits the home and the borrower.
For Houston we lean on FHA, first-time-buyer, down-payment-assistance through our licensed partner-broker network — but whatever fits, we shop it: FHA, conventional, VA, and non-QM. Start when you’re ready: buying, refinancing, or just exploring — apply here or call (949) 522-7310.
Close to Houston, we also help buyers in Missouri City, Sugar Land, Pearland. See all Texas cities we serve →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Houston, TX buyers through licensed partner brokers. Equal Housing Opportunity. We serve this area; we do not maintain a Houston office.
Houston mortgage questions, answered.
What's the 2026 conforming loan limit in Houston?
In Harris County, the 2026 conforming loan limit is $832,750 for a single-family home, the national baseline. Limits per FHFA 2026; verify your scenario with us.
Which loan types work best in Houston?
Most Houston buyers use conventional or FHA financing; refinancing and move-up loans are common too. The right fit depends on your down payment and goals.
Which Houston neighborhoods do you serve?
We serve buyers across Houston, including The Heights, River Oaks, Montrose. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Can Choice Home Mortgage help me buy in Houston, TX?
Yes. We help Houston homebuyers through licensed partner brokers. Choice Home Mortgage is licensed in California (NMLS #2629064); we coordinate TX financing for you.
Do you serve areas near Houston?
Yes — we also work with buyers in nearby Missouri City, Sugar Land, Pearland. Same process, local loan-limit details for each.
Let's finance your Houston home.
Straight answers on your Houston options, and a broker who shops the whole market so you don't have to.