Johnson City, TN
Buy your first Johnson City, TN home with confidence.
A Johnson City home within reach: conventional, FHA, first-time-buyer — run against your real Johnson City numbers, Tree Streets Historic District to the far side of Johnson City.
Can Choice Home Mortgage help me buy a home in Johnson City, TN?
Yes. Choice Home Mortgage helps Johnson City buyers and homeowners through licensed partner brokers who handle the Tennessee licensing, while we coordinate the Johnson City 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.
The 2026 conforming limit for a one-unit Johnson City home is $832,750 (Washington County, per FHFA). We start every Johnson City file by placing the price against that number, then handle the application, documents and updates by phone and online.
Inside the Johnson City mortgage market.
Johnson City anchors the Tri-Cities region as home to East Tennessee State University and a major regional medical corridor (Ballad Health), creating durable, recession-resistant demand; Appalachian access and a low cost of living make it a consistent destination for remote workers and retirees.
That Johnson City market shapes the loan. A one-unit Johnson City purchase conforms to $832,750 in 2026 — the national baseline Washington County runs on. Johnson City price points mostly stay under $832,750, which keeps conventional, FHA, and down-payment-assistance on the menu for Johnson City buyers. Johnson City itself prices entry-level. Per FHFA’s 2026 schedule — we’ll check your exact numbers.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Roughly 65,000-plus people call Johnson City home, spread from Tree Streets Historic District to West Walnut corridor, with Kingsport and Elizabethton minutes away. We work Johnson City from the ground up — close to the ETSU campus and Founders Park. Name the Johnson City neighborhood — Tree Streets Historic District, ETSU Area, Indian Ridge, and West Walnut corridor or beyond — and we finance there. Need a broker near you in Johnson City? Everything runs by phone and online, so Johnson City expertise comes straight to you. Of the 17 Tennessee cities we serve, Johnson City plays by its own numbers — that’s the point: the Johnson City file, not a state template.
How we work Johnson City loans.
Johnson City market knowledge
Johnson City pricing shifts pocket by pocket — Tree Streets Historic District, ETSU Area, Indian Ridge, near the ETSU campus and Founders Park — and the loan should match the pocket you pick.
First-time & assistance
Conventional, FHA, first-time-buyer carry most Johnson City purchases — and we check every assistance program a Johnson City file qualifies for.
Lenders shopped for you
Many lenders bid on each Johnson City file we bring them — Johnson City buyers never shop one shelf.
Direct to the owner
Owner Esther Buede coordinates every Johnson City file herself, one point of contact from your first Johnson City call to your closing.
Owner-coordinated, application to Johnson City keys.
In Johnson City, owner Esther Buede (individual NMLS #2003644) coordinates your loan personally with our licensed partner brokers, from ETSU Area to every part of Johnson City. Choice Home Mortgage has been closing loans since 2005. Meet the family behind CHM →
“I am a repeat customer. The service is spectacular.”
Financing built around the Johnson City home you want.
Conventional work anchors our Johnson City lending, with the ETSU campus and Founders Park part of the pull. The Johnson City playbook usually starts with conventional, FHA, first-time-buyer, arranged through licensed partner brokers — then we shop whatever your Johnson City file calls for: FHA, non-QM, VA, and conventional. Any starting point works: buying, exploring a refinance, or simply exploring — begin online or call (949) 522-7310.
The programs that come up most for Johnson City buyers: FHA, first-time-buyer, conventional, down-payment-assistance.
Johnson City borrowers who work for themselves get their own path here, qualifying on 1099 income instead of W-2s. Washington County’s 2026 conforming and FHA limits, by unit count are laid out in full if you’re comparing property types.
And around Johnson City: Kingsport, Elizabethton, Bristol are all in reach. See all Tennessee cities we serve →
Johnson City, TN buyers work with us through licensed partner brokers; Choice Home Mortgage is licensed in California (NMLS #2629064). Equal Housing Opportunity. Johnson City is served remotely — we keep no office there.
What Johnson City buyers ask us first.
How high can a conforming loan go in Johnson City?
$832,750 is the 2026 conforming limit for a single-family home in Johnson City, based on FHFA's figure for Washington County. That is the national baseline with no high-cost adjustment, so a loan above $832,750 is a jumbo loan. A two-unit property in Washington County can borrow up to $1,066,250 and stay conforming.
Do Johnson City first-time buyers have good loan options?
Yes. First-time buyers in Johnson City can choose from FHA and conventional loans, and down-payment assistance where they qualify. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules. For FHA, the 2026 one-unit limit in Washington County is $541,287, per HUD.
What parts of Johnson City do you work in?
Every part of Johnson City, including Tree Streets Historic District, ETSU Area, Indian Ridge and West Walnut corridor. Prices shift from street to street, and the appraisal follows recent nearby sales; the loan terms follow your credit, income and down payment. For a one-unit home in Washington County, the 2026 conforming limit is $832,750.
Can an out-of-state broker really cover Johnson City, TN?
Yes, because a licensed partner broker in Tennessee originates the Johnson City loan while Choice Home Mortgage, licensed in California, coordinates it. Our own license is California's (NMLS #2629064); we keep no local office, and the file runs by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
I'm shopping Johnson City and the next town over: is that covered?
Yes. You can compare homes in Johnson City with Kingsport, Elizabethton and Bristol on one file. 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 Johnson City file.
How do we work together on a Johnson City purchase?
We start with a call to map your Johnson City purchase, then coordinate the application, documents and updates online. A licensed partner broker in Tennessee 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.
Ready for your Johnson City address?
No call center — just Esther. We'll find what fits your Johnson City purchase and do the Johnson City lender legwork.