Manassas, VA
Manassas, VA home loans, built for Manassas's market.
High-balance, jumbo, move-up, refinance: whatever a Manassas purchase needs — near Old Town Manassas or anywhere Manassas — the loan fits the market.
Can Choice Home Mortgage help me buy a home in Manassas, VA?
Yes. Choice Home Mortgage helps Manassas buyers and homeowners through licensed partner brokers who handle the Virginia licensing, while we coordinate the Manassas 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 Manassas home is $1,249,125 (the Manassas area, per FHFA). We start every Manassas file by placing the price against that number, then handle the application, documents and updates by phone and online.
Inside the Manassas mortgage market.
Manassas offers DC-metro access at the western edge of Northern Virginia, a structural entry point for federal workers, contractors, and military families who need I-66 or VRE rail access; the independent city’s separate school system and growing commercial base reinforce its self-contained identity.
So the Manassas strategy starts with the market, not the rate sheet. High-cost the Manassas area gives Manassas purchases a $1,249,125 conforming limit — extra 2026 headroom on Manassas homes. Manassas contracts crossing $1,249,125 are normal here; the strategy is picking the high-balance or jumbo shape that prices best for your Manassas deal. Manassas itself prices above the national norm, which is part of why the Manassas area carries a high-cost designation. FHFA sets these limits annually; run your scenario by us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
41,000-plus residents make Manassas home — across Old Town Manassas, Point of Woods, and between — with Alexandria and Leesburg nearby. Our Manassas picture runs street-level, the Manassas National Battlefield Park and all. From Old Town Manassas, Manassas Historic District, Wellington, and Point of Woods to everywhere else on the Manassas map — the financing reaches all of it. Searching “mortgage broker near me” from Manassas? We cover Manassas by phone and online — Manassas-level market help, no office visit. Manassas is one of 17 Virginia markets we cover, and every Virginia file gets the same treatment: real Manassas numbers first, then lenders competing on them.
One file, many lenders, Manassas terms.
Manassas market knowledge
Manassas isn't one market: Old Town Manassas, Manassas Historic District, Wellington each price their own way. We finance to the block, not the average.
Bigger-loan ready
VA, jumbo, high-balance — that's the Manassas toolkit, because Manassas prices above the national norm and the financing keeps up.
Lenders shopped for you
As a broker we put many lenders in competition for your Manassas file — not one bank's Manassas shelf.
Owner-coordinated
The owner, Esther Buede, is who Manassas buyers talk to, and she coordinates the Manassas file with our licensed partner brokers.
The owner coordinates your file. Personally.
Your Manassas file is coordinated by owner Esther Buede (individual NMLS #2003644) personally, and Manassas, Manassas Historic District included, gets her full attention. Choice Home Mortgage has worked that way since 2005. Meet the family behind CHM →
“She was sincere. Got me processed and funded in 20 days. I felt taken care of every step of the way.”
Manassas financing that fits the home and the borrower.
Demand around the Manassas National Battlefield Park keeps VA activity steady in Manassas. Manassas work runs heaviest on VA, jumbo, high-balance, arranged through our licensed partner-broker network — but the full menu stays open for Manassas files: non-QM, conventional, VA, and FHA loans. Ready or just curious — buying, refinancing your mortgage, or running scenarios — begin online or call (949) 522-7310.
The programs that come up most for Manassas buyers: high-balance, VA, jumbo.
Not every Manassas file fits a W-2 box — 1099 and business-owner borrowers can qualify on bank-statement income, and Manassas investors can lean on no-income investor financing.
Manassas is the center, not the edge — Alexandria, Leesburg, Manassas Park are covered too. Browse our Virginia service areas →
Working with Manassas, VA buyers through licensed partner brokers — Choice Home Mortgage, California-licensed, NMLS #2629064. Equal Housing Opportunity. No Manassas office — we work with Manassas buyers remotely.
Before you buy in Manassas: the FAQs.
What counts as a conforming loan amount in Manassas?
$1,249,125 is the 2026 conforming limit for a single-family home in Manassas, based on FHFA's figure for the independent city of Manassas. High-cost status lifts the Manassas limit above the $832,750 national baseline, so a loan sized between the two is high-balance conforming.
How do Manassas buyers finance above the conforming limit?
Manassas buyers who need more than $1,249,125 (the 2026 Manassas limit) use a jumbo loan, or put more down so the loan stays under it. High-balance conforming covers loans from $832,750 up to $1,249,125 in the independent city of Manassas. A licensed partner broker originates the loan while we compare those options across many lenders.
Are certain Manassas neighborhoods outside your coverage?
No. Every Manassas neighborhood is covered, Old Town Manassas, Manassas Historic District, Wellington and Point of Woods included. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. Licensed partner brokers originate loans across Old Town Manassas and Point of Woods, and we coordinate them by phone and online.
I'm buying in Manassas, VA: can you handle it?
Yes. A licensed partner broker in Virginia originates the Manassas loan, and Choice Home Mortgage 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.
What if I'm buying just outside Manassas?
Buying just outside Manassas changes nothing on our side; we also arrange loans in Alexandria, Leesburg and Manassas Park 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 a Manassas file.
How do we work together on a Manassas purchase?
We start with a call to map your Manassas purchase, then coordinate the application, documents and updates online. Licensed partner brokers cover the Virginia licensing, while Choice Home Mortgage (California NMLS #2629064) coordinates the file and the lender shopping. Owner Esther Buede is your point of contact from the first call to closing.
Your Manassas home is a call away.
One conversation, zero pressure — your Manassas plan mapped and a market of lenders put to work on the Manassas file.