Irving, TX
Irving, TX home loans, coordinated by the owner.
Real Irving prices, real programs — VA, conventional, FHA — matched to what your Irving file qualifies for, in Las Colinas and citywide.
Does Choice Home Mortgage work with Irving, TX buyers?
Yes. Choice Home Mortgage arranges home loans for Irving buyers through licensed partner brokers who cover Texas. We are a family-owned broker, in business since 2005 and licensed in California (NMLS #2629064); a licensed partner broker handles the Irving loan while we coordinate it and compare many lenders for it, with owner Esther Buede as your point of contact.
The 2026 conforming limit for a one-unit Irving home is $832,750 (Dallas County, per FHFA). We start every Irving file by placing the price against that number, then handle the application, documents and updates by phone and online.
Irving prices, programs, and the path through.
Irving pairs Las Colinas — a corporate enclave with luxury pricing — with established mid-century neighborhoods offering affordable access to DFW employment; major HQ employers sustain demand across tiers.
That’s the Irving backdrop the loan has to fit. Irving follows Dallas County’s national-baseline limit for 2026: $832,750 on a one-unit Irving home. Irving price points mostly stay under $832,750, which keeps conventional, FHA, and down-payment-assistance on the menu for Irving buyers. As a market, Irving runs solidly middle-of-market. Limits per FHFA 2026; verify your scenario with us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Some 228,000-plus people live in Irving — Las Colinas, MacArthur Park area, and between — a short drive from Grand Prairie or Euless. Irving isn’t an abstraction to us — we know it down to the Mustangs of Las Colinas sculpture. Las Colinas, Valley Ranch, Heritage District, and MacArthur Park area — we finance homes in each of them, and everywhere else Irving reaches. Need a broker near you in Irving? Everything runs by phone and online, so Irving expertise comes straight to you. Across Texas, our coverage runs 83 cities deep — and in Irving, as everywhere, the county numbers get verified before anything is quoted.
What you get with a local broker.
Irving know-how
From Las Colinas, Valley Ranch, Heritage District to the Mustangs of Las Colinas sculpture, we track what Irving homes really cost and which loans carry them.
Down-payment friendly
We open most Irving files with VA, conventional, FHA, then layer in whatever down-payment help your Irving numbers qualify for.
We shop; you choose
Your Irving file gets shopped across many lenders — a broker working Irving, not one bank's sales desk.
The owner, coordinating
Owner Esther Buede coordinates your Irving loan personally, the named expert Irving clients would find praised across our Google reviews.
Your Irving loan, one owner's desk.
One coordinator, no queue: Esther Buede, the owner (individual NMLS #2003644), personally coordinates each Irving loan with our licensed partner brokers, from Valley Ranch to the far side of Irving. Meet the family behind CHM →
“They did what our bank of 20+ years could not — refinanced 2 of our homes in record time. The Dynamic Duo!”
Matched to your Irving purchase, not a template.
Near the Mustangs of Las Colinas sculpture, VA files are an Irving staple for us. Most Irving files start at VA, conventional, FHA (via our licensed partner-broker network) and branch from there — every option gets a look: conventional, non-QM, FHA loans, and VA. Start where it suits you: buying, refinancing your mortgage, or testing the numbers — apply here or call (949) 522-7310.
The programs that come up most for Irving buyers: conventional, FHA, VA, down-payment-assistance.
Self-employed in Irving? We also work with self-employed borrowers — 1099 income included, plus DSCR investor loans for Irving investors. The full Dallas County 2026 loan-limit breakdown covers every unit count, not just the single-family line above. For the county-level view, including which loans fit Dallas County prices, see our Dallas County page.
Irving is the center, not the edge — Grand Prairie, Euless, Coppell are covered too. Every Texas city we cover →
Working with Irving, TX buyers through licensed partner brokers — Choice Home Mortgage, California-licensed, NMLS #2629064. Equal Housing Opportunity. We serve this area; we do not maintain an Irving office.
Irving mortgage questions, answered.
Where does the Irving conforming loan limit sit for 2026?
In Irving, a one-unit home can carry a conforming loan of up to $832,750 for 2026, under FHFA's limit for Dallas County. Dallas County uses the $832,750 national baseline, so a larger loan is a jumbo loan, which each lender prices and underwrites under its own rules.
As a first-time buyer in Irving, where do I start?
Start by checking which of conventional, FHA and VA loans you qualify for, since those are the loans first-time buyers in Irving use most. Some conventional programs accept 3% down from first-time buyers. HUD's 2026 FHA limit for one unit in Dallas County is $563,500. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules.
What parts of Irving do you work in?
Every part of Irving, including Las Colinas, Valley Ranch, Heritage District and MacArthur Park area. The neighborhood affects the appraisal, which compares recent nearby sales, but the loan terms come from your credit, income and down payment. Licensed partner brokers originate loans across Las Colinas and MacArthur Park area, and we coordinate them by phone and online.
Do you work with Irving, TX buyers?
Yes. We work with Irving 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 Irving office, so the application, documents and updates run by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
What if I'm buying just outside Irving?
Buying just outside Irving changes nothing on our side; we also arrange loans in Grand Prairie, Euless and Coppell 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 an Irving file.
What does the mortgage process look like from Irving?
From Irving, the whole mortgage process runs by phone and online: you apply online, upload documents and get updates as the loan moves. A licensed partner broker in Texas originates the loan, and Choice Home Mortgage (California NMLS #2629064) coordinates it and compares many lenders. Owner Esther Buede is your point of contact from the first call to closing.
Buying near Irving? We cover that too
Ready for your Irving address?
Tell us about the Irving home you want — we'll match the program and make lenders compete for your Irving loan.