Mcallen, TX
Buy your first Mcallen, TX home with confidence.
FHA, down-payment-assistance, and first-time-buyer programs that fit Mcallen budgets. We walk you through every step.
What financing a Mcallen home really takes.
McAllen is the commercial capital of the Rio Grande Valley and one of the most active international trade corridors in North America, with cross-border activity generating demand from binational professionals; as one of Texas’s most affordable metros, FHA and first-time programs are structurally important.
That market shapes the loan. In Hidalgo County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Mcallen purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and first-time-buyer options on the table. Limits per FHFA 2026; verify your scenario with us.
We work Mcallen from the ground up — close to Bentsen-Rio Grande Valley State Park. We finance homes across Tres Lagos, North McAllen, Nolana, and McAllen Country Club — and every other corner of Mcallen. Looking for a mortgage broker near you in Mcallen? We serve the area by phone and online, so you get a local-market broker without driving to an office.
What you get with a local broker.
Mcallen market knowledge
Near Bentsen-Rio Grande Valley State Park, across Tres Lagos, North McAllen, Nolana — we know Mcallen's neighborhoods, prices, and the programs that fit them.
First-time & assistance
Mcallen buyers often start with FHA, first-time-buyer, down-payment-assistance — we match you to the down-payment and first-time programs you qualify for.
Lenders shopped for you
As a broker we shop many lenders for your Mcallen file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your Mcallen loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Mcallen, your loan is handled personally by owner Esther Buede — a licensed mortgage expert (individual NMLS #2003644) who has guided California families to the closing table since 2005. Not a call center, not a rotating cast — one expert who knows your file and your market. Meet the family behind CHM →
“Closed in 8 days. I never knew a home refinance could happen so quickly and painlessly!”
The right Mcallen loan for your situation.
For Mcallen we lean on FHA, first-time-buyer, down-payment-assistance through our licensed partner-broker network — but whatever fits, we shop it: FHA, conventional, VA, and non-QM. Start when you’re ready: buying, refinancing, or just exploring — apply here or call (949) 522-7310.
Close to Mcallen, we also help buyers in Pharr, Mission, Edinburg. See all Texas cities we serve →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Mcallen, TX buyers through licensed partner brokers. Equal Housing Opportunity. We serve this area; we do not maintain a Mcallen office.
Mcallen mortgage questions, answered.
What's the 2026 conforming loan limit in Mcallen?
In Hidalgo County, the 2026 conforming loan limit is $832,750 for a single-family home, the national baseline. Limits per FHFA 2026; verify your scenario with us.
What loans help first-time buyers in Mcallen?
FHA loans, down-payment-assistance, and first-time-buyer programs are common paths in Mcallen. We match you to the ones you qualify for.
Which Mcallen neighborhoods do you serve?
We serve buyers across Mcallen, including Tres Lagos, North McAllen, Nolana. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Can Choice Home Mortgage help me buy in Mcallen, TX?
Yes. We help Mcallen homebuyers through licensed partner brokers. Choice Home Mortgage is licensed in California (NMLS #2629064); we coordinate TX financing for you.
Do you serve areas near Mcallen?
Yes — we also work with buyers in nearby Pharr, Mission, Edinburg. Same process, local loan-limit details for each.
Let's finance your Mcallen home.
Talk to the owner directly. We'll map the right loan for your Mcallen home and put lenders in competition for it.