Lima, OH
Your first Lima home, within reach.
Your Lima budget picks the program — down-payment-assistance, FHA, first-time-buyer — and we handle the Lima lender legwork, whether you're eyeing West Side or beyond.
What it costs to buy in Lima — and how to finance it.
Lima anchors northwest Ohio as Allen County’s seat, with oil-refining and manufacturing roots that have diversified into healthcare and logistics; its position as the region’s commercial hub creates sustained demand for starter and move-up housing at attainable price points well within conventional limits.
Every Lima loan starts from that reality. For Lima, 2026 conforming tops out at Allen County’s $832,750 baseline on one-unit Lima homes. Lima price points mostly stay under $832,750, which keeps conventional, FHA, and down-payment-assistance on the menu for Lima buyers. The 2026 figures come from FHFA — your scenario gets checked, not assumed.
Call it 38,000-plus people: Lima runs from West Side to Downtown Lima, and Findlay and Fort Wayne sit just outside the line. Our Lima knowledge is street-level — the area around the Allen County Museum included. From West Side, South Lima, East Side, and Downtown Lima to everywhere else on the Lima map — the financing reaches all of it. Looking for a mortgage broker near you in Lima? We serve Lima by phone and online, so Lima buyers get local-market help without driving anywhere. Of the 33 Ohio cities we serve, Lima plays by its own numbers — that’s the point: the Lima file, not a state template.
One file, many lenders, Lima terms.
Lima, block by block
From West Side, South Lima, East Side to the Allen County Museum, we track what Lima homes really cost and which loans carry them.
Down-payment friendly
Down-payment-assistance, FHA, first-time-buyer carry most Lima purchases — and we check every assistance program a Lima file qualifies for.
Many lenders, one file
A Lima mortgage should be bid on. We take your Lima file to many lenders and let the best terms win.
The owner, on your file
Your Lima file is handled by owner Esther Buede herself — in Lima or Findlay, hers is the name buyers recognize from our reviews.
Owner-handled, application to Lima keys.
One desk, no queue: Esther Buede — owner, licensed (individual NMLS #2003644), closing since 2005 — personally works each Lima loan, from South Lima to the far side of Lima. Meet the family behind CHM →
“Esther is amazing, very knowledgeable. She made the loan process fast and easy.”
Your Lima file decides the loan.
Near the Allen County Museum, down-payment-assistance files are a Lima staple for us. Down-payment-assistance, FHA, first-time-buyer carry most of our Lima work (via our licensed partner-broker network) — and beyond those, Lima buyers get the full menu: conventional, VA, FHA, and non-QM. Start where it suits you: buying, refinancing, or testing the numbers — apply here or call (949) 522-7310.
Beyond Lima itself, Findlay, Fort Wayne, Springfield buyers work with us the same way. More Ohio cities we work in →
Working with Lima, OH buyers through licensed partner brokers — Choice Home Mortgage, California-licensed, NMLS #2629064. Equal Housing Opportunity. We serve this area; we do not maintain a Lima office.
Straight answers for Lima buyers.
Is there a loan limit for Lima purchases in 2026?
In Allen County, the 2026 single-family limit is $832,750; anything above that in Lima is jumbo territory. FHFA sets it — we'll verify your Lima case.
How do first-time buyers usually finance a Lima home?
Most first-time Lima buyers start with FHA, first-time-buyer, down-payment-assistance — and we check which assistance fits your Lima purchase before you commit.
Does it matter where in Lima I'm buying?
Every corner of Lima, from West Side, South Lima, East Side, Downtown Lima on out. A Lima loan prices off your file, not the neighborhood.
Are you set up to arrange loans in Lima, OH?
Your Lima, OH loan is arranged through licensed partner brokers, with Choice Home Mortgage (California NMLS #2629064) coordinating the Lima file and the lender shopping end to end.
What if I'm buying just outside Lima?
We do: buyers in Findlay, Fort Wayne, Springfield work with us like Lima buyers do, local limits checked for each.
What does the mortgage process look like from Lima?
Everything runs by phone and online: application, documents, updates. We coordinate your Lima purchase with our licensed partner brokers handling the OH side — no office visit involved.
Let's get you home in Lima.
Tell us where in Lima you're headed — the program match and the Lima lender legwork are on us.