Mckinney, TX
Mckinney, TX home loans, coordinated by the owner.
We fit the loan to your Mckinney plans — move-up, first-time-buyer, conventional and more — walking Mckinney buyers through it, Historic Downtown McKinney to closing day.
Who can help me get a mortgage in Mckinney, TX?
Choice Home Mortgage can. We arrange Mckinney home loans through licensed partner brokers in Texas and coordinate each Mckinney file ourselves; our own license is California's (NMLS #2629064). Owner Esther Buede coordinates it personally, and we compare many lenders for it.
For Mckinney, FHFA's 2026 one-unit limit is $832,750 (Collin County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
Buying in Mckinney: the numbers that matter.
McKinney is the Collin County seat and one of the fastest-growing cities in the country, with master-planned communities that undercut neighboring Frisco; top schools, a 19th-century downtown square, and US-75 access to Dallas make it structurally attractive to move-up buyers.
Financing follows that Mckinney math. For Mckinney, 2026 conforming tops out at Collin County’s $832,750 baseline on one-unit Mckinney homes. That $832,750 ceiling covers most Mckinney price points — conventional, FHA, first-time-buyer all stay on the Mckinney table. Mckinney’s price tier is solidly middle-of-market. 2026 limits published by FHFA — confirm your exact scenario with us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Some 148,000-plus people live in Mckinney — Historic Downtown McKinney, Stonebridge Ranch, and between — a short drive from Allen or Plano. From the Historic McKinney Downtown Square outward, we treat Mckinney as home turf. Name the Mckinney neighborhood — Historic Downtown McKinney, Craig Ranch, Adriatica Village, and Stonebridge Ranch or beyond — and we finance there. Searching “mortgage broker near me” from Mckinney? We cover Mckinney by phone and online — Mckinney-level market help, no office visit. Mckinney is one of 83 Texas markets we cover, and every Texas file gets the same treatment: real Mckinney numbers first, then lenders competing on them.
The broker difference, Mckinney edition.
Mckinney, block by block
From the Historic McKinney Downtown Square across Historic Downtown McKinney, Craig Ranch, Adriatica Village, we keep tabs on what Mckinney homes actually go for and which programs carry them.
Down-payment friendly
Move-up, first-time-buyer, conventional carry most Mckinney purchases — and we check every assistance program a Mckinney file qualifies for.
Many lenders, one file
We make lenders compete for Mckinney business instead of squeezing Mckinney buyers into a single bank's box.
Owner-coordinated
The owner, Esther Buede, is who Mckinney buyers talk to, and she coordinates the Mckinney file with our licensed partner brokers.
One name coordinating every Mckinney loan.
Your Mckinney file is coordinated by owner Esther Buede (individual NMLS #2003644) personally, and Mckinney, Craig Ranch included, gets her full attention. Choice Home Mortgage has worked that way since 2005. Meet the family behind CHM →
“They did what our bank of 20+ years could not — refinanced 2 of our homes in record time. The Dynamic Duo!”
Financing built around the Mckinney home you want.
Between the Historic McKinney Downtown Square and everything around it, Mckinney move-up demand stays steady. Most Mckinney files start at move-up, first-time-buyer, conventional (via our licensed partner-broker network) and branch from there — every option gets a look: non-QM, VA, conventional, and FHA loans. Whenever you’re ready — buying, exploring a refinance, or still weighing options — apply online or call (949) 522-7310.
The programs that come up most for Mckinney buyers: conventional, move-up, first-time-buyer.
Mckinney borrowers who work for themselves get their own path here, qualifying on 1099 income instead of W-2s. Collin County’s full 2026 loan limits by property type break down one- through four-unit ceilings if you want the complete picture.
Mckinney is the center, not the edge — Allen, Plano, Frisco are covered too. All our Texas coverage, city by city →
Working with Mckinney, TX buyers through licensed partner brokers — Choice Home Mortgage, California-licensed, NMLS #2629064. Equal Housing Opportunity. Mckinney is served remotely — we keep no office there.
What Mckinney buyers ask us first.
What counts as a conforming loan amount in Mckinney?
$832,750 is the 2026 conforming limit for a single-family home in Mckinney, based on FHFA's figure for Collin 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 Collin County can borrow up to $1,066,250 and stay conforming.
Which programs fit Mckinney first-time buyers?
Conventional and FHA loans fit most first-time buyers in Mckinney, and the right one depends on your credit score and down payment. Some conventional programs accept 3% down from first-time buyers. HUD's 2026 FHA limit for one unit in Collin County is $563,500. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules.
Which Mckinney neighborhoods do you serve?
We finance homes in every Mckinney neighborhood, including Historic Downtown McKinney, Craig Ranch, Adriatica Village and Stonebridge Ranch. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. The Collin County conforming limit for one unit is $832,750 in 2026.
Can an out-of-state broker really cover Mckinney, TX?
Yes, because a licensed partner broker in Texas originates the Mckinney loan while Choice Home Mortgage, licensed in California, coordinates it. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Mckinney office, so the application, documents and updates run by phone and online.
Do you serve areas near Mckinney?
Yes. Besides Mckinney, we also arrange loans in Allen, Plano and Frisco through licensed partner brokers. Each town's conforming limit depends on its county, so we confirm the 2026 limit for the exact address before quoting. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as a Mckinney file.
What does the mortgage process look like from Mckinney?
From Mckinney, the whole mortgage process runs by phone and online: you apply online, upload documents and get updates as the loan moves. A licensed partner broker in Texas 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.
Mckinney neighbors we also serve
Your Mckinney home is a call away.
Tell us where in Mckinney you're headed — the program match and the Mckinney lender legwork are on us.