Memphis, TN
Buy your first Memphis, TN home with confidence.
We fit the loan to your Memphis plans — FHA, first-time-buyer, down-payment-assistance and more — walking Memphis buyers through it, Downtown/Beale Street to closing day.
The Memphis market, read honestly.
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’s the Memphis backdrop the loan has to fit. A one-unit Memphis purchase conforms to $832,750 in 2026 — the national baseline Shelby County runs on. Under that $832,750 line — where most Memphis purchases sit — conventional, FHA, and down-payment-assistance all stay in play. FHFA sets these limits annually; run your scenario by us.
Roughly 653,000-plus people call Memphis home, spread from Downtown/Beale Street to East Memphis, with Germantown and Bartlett minutes away. Memphis detail matters to us — Beale Street and the Mississippi River bluff and the streets that feed it included. Buyers come to us from Downtown/Beale Street, Midtown, Cooper-Young, and East Memphis, and from every other part of Memphis. From anywhere in Memphis, the whole process runs by phone and online — local Memphis market reads included, commute not required. Tennessee coverage here spans 17 cities, Memphis among them — each on its own county limits, each shopped the same way.
How Memphis buyers come out ahead.
Local Memphis insight
From Downtown/Beale Street, Midtown, Cooper-Young to Beale Street and the Mississippi River bluff, we track what Memphis homes really cost and which loans carry them.
Down-payment friendly
FHA, first-time-buyer, down-payment-assistance carry most Memphis purchases — and we check every assistance program a Memphis file qualifies for.
We shop; you choose
Memphis loans here go to whichever lender earns them — we shop the Memphis file wide.
The owner, on your file
In Memphis you get the owner, Esther Buede, personally — no queue for Memphis files, and the Memphis attention shows in our reviews.
Your loan, one named expert.
Your Memphis loan gets the owner, not a queue: Esther Buede, licensed (individual NMLS #2003644), closing since 2005. One person, your whole Memphis loan — from Midtown across the Memphis map. Meet the family behind CHM →
“I am a repeat customer. The service is spectacular.”
The right Memphis loan for your situation.
Between Beale Street and the Mississippi River bluff and everything around it, Memphis FHA demand stays steady. FHA, first-time-buyer, down-payment-assistance carry most of our Memphis work (via our licensed partner-broker network) — and beyond those, Memphis buyers get the full menu: non-QM, VA, conventional, and FHA. Whenever you’re ready — buying, refinancing, or still weighing options — start your application here or call (949) 522-7310.
The same coverage rings Memphis: Germantown, Bartlett, Collierville included. Every Tennessee city we cover →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Memphis, TN buyers through licensed partner brokers. Equal Housing Opportunity. Memphis is served remotely — we keep no office there.
Before you buy in Memphis: the FAQs.
Is there a loan limit for Memphis purchases in 2026?
Think $832,750 for Memphis in 2026. Shelby County follows the FHFA baseline, so a bigger Memphis loan means jumbo guidelines — we'll map your scenario either way.
I'm a first-time buyer in Memphis — where do I start?
For Memphis first-timers the workhorses are FHA, first-time-buyer, down-payment-assistance. We match Memphis buyers to the down-payment and first-time programs their file qualifies for.
What parts of Memphis do you work in?
No corner of Memphis is off the map: Downtown/Beale Street, Midtown, Cooper-Young, East Memphis, all covered. Pricing follows your Memphis file, not the street.
Can Choice Home Mortgage help me buy in Memphis, TN?
Yes. We help Memphis, TN homebuyers through licensed partner brokers — Choice Home Mortgage is California-licensed (NMLS #2629064) and coordinates Memphis financing end to end.
Can you help outside Memphis too?
Covered — Germantown, Bartlett, Collierville all run the same play as Memphis, with each county's own limit checked before anything is quoted.
How do we work together on a Memphis purchase?
Everything runs by phone and online: application, documents, updates. We coordinate your Memphis purchase with our licensed partner brokers handling the TN side — no office visit involved.
Beyond Memphis: nearby cities we work
Start your Memphis loan today.
Tell us about the Memphis home you want — we'll match the program and make lenders compete for your Memphis loan.