Lafayette, IN
First-time buying in Lafayette, IN? Start here.
Your Lafayette budget picks the program — conventional, FHA, first-time-buyer — and we handle the Lafayette lender legwork, whether you're eyeing Centennial Historic District or beyond.
Inside the Lafayette mortgage market.
Lafayette’s economy is anchored by Purdue University’s research output (campus in neighboring West Lafayette) and a manufacturing base including Subaru of Indiana, creating an unusual combination of university-town demand and blue-collar household formation in one market.
The loan has to fit the Lafayette picture. For Lafayette, 2026 conforming tops out at Tippecanoe County’s $832,750 baseline on one-unit Lafayette homes. For the typical Lafayette purchase, $832,750 is headroom, not a hurdle — Lafayette files keep conventional, FHA, and first-time-buyer open. Source: FHFA 2026 limits. We’ll verify your numbers.
Roughly 70,000-plus people call Lafayette home, spread from Centennial Historic District to Downtown Lafayette, with Kokomo and Carmel minutes away. Ask us about Lafayette blocks near Purdue University across the Wabash and Tippecanoe Battlefield — that’s the level we work at. We finance homes across Centennial Historic District, Highland Park, Ninth Street Hill, and Downtown Lafayette — and every other corner of Lafayette. From anywhere in Lafayette, the whole process runs by phone and online — local Lafayette market reads included, commute not required. We work 21 cities across Indiana; Lafayette gets the same discipline as all of them — verify the Lafayette numbers, then shop the loan.
How we work Lafayette loans.
Lafayette, block by block
From Purdue University across the Wabash and Tippecanoe Battlefield across Centennial Historic District, Highland Park, Ninth Street Hill, we keep tabs on what Lafayette homes actually go for and which programs carry them.
First Lafayette home help
Lafayette budgets get the full toolkit — conventional, FHA, first-time-buyer — plus every assistance program a Lafayette file can claim.
Many lenders, one file
Lafayette loans here go to whichever lender earns them — we shop the Lafayette file wide.
The owner, on your file
In Lafayette you get the owner, Esther Buede, personally — no queue for Lafayette files, and the Lafayette attention shows in our reviews.
One name on every Lafayette loan.
Your Lafayette loan gets the owner, not a queue: Esther Buede, licensed (individual NMLS #2003644), closing since 2005. One person, your whole Lafayette loan — from Highland Park across the Lafayette map. Meet the family behind CHM →
“Esther Buede was a breathe of fresh air to work with from starting to the finish line!”
Matched to your Lafayette purchase, not a template.
Demand around Purdue University across the Wabash and Tippecanoe Battlefield keeps conventional activity steady in Lafayette. Most Lafayette files start at conventional, FHA, first-time-buyer (via our licensed partner-broker network) and branch from there — every option gets a look: VA, conventional, non-QM, and FHA. Start where it suits you: buying, refinancing, or testing the numbers — apply online or call (949) 522-7310.
Buyers in Kokomo, Carmel, Indianapolis get the same treatment as Lafayette files. More Indiana cities we work in →
Choice Home Mortgage (California-licensed, NMLS #2629064) serves Lafayette, IN buyers through licensed partner brokers. Equal Housing Opportunity. We serve Lafayette remotely; there is no local Lafayette office.
Before you buy in Lafayette: the FAQs.
What loan size keeps a Lafayette mortgage conforming?
For Lafayette buyers, conforming runs to $832,750 in 2026; beyond that a Lafayette purchase shops jumbo. FHFA figures — we'll verify yours.
What's the usual first mortgage for a Lafayette buyer?
For Lafayette first-timers the workhorses are FHA, first-time-buyer, conventional. We match Lafayette buyers to the down-payment and first-time programs their file qualifies for.
Does it matter where in Lafayette I'm buying?
Centennial Historic District, Highland Park, Ninth Street Hill, Downtown Lafayette — and the rest of Lafayette with them. We finance across the whole Lafayette map; the loan terms come from your file.
Can Choice Home Mortgage help me buy in Lafayette, IN?
We do — via licensed partner brokers. We're California-licensed (NMLS #2629064) and quarterback the Lafayette, IN file so Lafayette buyers still get many lenders shopped.
What about the towns just past the Lafayette line?
Covered — Kokomo, Carmel, Indianapolis all run the same play as Lafayette, with each county's own limit checked before anything is quoted.
How do we work together on a Lafayette purchase?
From Lafayette it's phone-and-online end to end — apply digitally, upload documents, get updates as they happen. Licensed partner brokers cover the IN licensing side; you never sit in a lobby.
Start your Lafayette loan today.
Tell us about the Lafayette home you want — we'll match the program and make lenders compete for your Lafayette loan.