Memphis, TN
Buy your first Memphis, TN home with confidence.
FHA, down-payment-assistance, and first-time-buyer programs that fit Memphis budgets. We walk you through every step.
Memphis home loans, the honest version.
Memphis remains one of the most affordable large metros in the South, drawing investors and first-time buyers seeking ownership at price points well below comparable cities.
That market shapes the loan. In Shelby County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Memphis 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 Memphis from the ground up — close to Beale Street and the Mississippi River bluff. We finance homes across Downtown/Beale Street, Midtown, Cooper-Young, and East Memphis — and every other corner of Memphis. Looking for a mortgage broker near you in Memphis? 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.
Memphis market knowledge
Near Beale Street and the Mississippi River bluff, across Downtown/Beale Street, Midtown, Cooper-Young — we know Memphis's neighborhoods, prices, and the programs that fit them.
First-time & assistance
Memphis 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 Memphis file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your Memphis loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Memphis, 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 →
“Painless and no hidden surprises. Choice Home Mortgage is a company I can trust.”
Matched to your Memphis purchase, not a template.
For Memphis 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 Memphis, we also help buyers in Germantown, Bartlett, Collierville. See all Tennessee cities we serve →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Memphis, TN buyers through licensed partner brokers. Equal Housing Opportunity. We serve this area; we do not maintain a Memphis office.
Memphis mortgage questions, answered.
What's the 2026 conforming loan limit in Memphis?
In Shelby 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 Memphis?
FHA loans, down-payment-assistance, and first-time-buyer programs are common paths in Memphis. We match you to the ones you qualify for.
Which Memphis neighborhoods do you serve?
We serve buyers across Memphis, including Downtown/Beale Street, Midtown, Cooper-Young. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Can Choice Home Mortgage help me buy in Memphis, TN?
Yes. We help Memphis homebuyers through licensed partner brokers. Choice Home Mortgage is licensed in California (NMLS #2629064); we coordinate TN financing for you.
Do you serve areas near Memphis?
Yes — we also work with buyers in nearby Germantown, Bartlett, Collierville. Same process, local loan-limit details for each.
Let's finance your Memphis home.
One call with the owner — local, honest, no pressure. We'll tell you which program fits your Memphis purchase and shop the lenders for you.