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.
Can Choice Home Mortgage help me buy a home in Memphis, TN?
Yes. Choice Home Mortgage helps Memphis buyers and homeowners through licensed partner brokers who handle the Tennessee licensing, while we coordinate the Memphis 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.
For Memphis, FHFA's 2026 one-unit limit is $832,750 (Shelby County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
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. Memphis sits entry-level as a price tier. 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.
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, coordinating
The owner, Esther Buede, is who Memphis buyers talk to, and she coordinates the Memphis file with our licensed partner brokers.
Your loan, one named coordinator.
Your Memphis loan gets the owner as its coordinator: Esther Buede (individual NMLS #2003644), working with licensed partner brokers 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.
Memphis files here lean on FHA, first-time-buyer, down-payment-assistance.
Not every Memphis file fits a W-2 box — borrowers who work for themselves can qualify on bank-statement income, and Memphis investors can lean on no-income investor financing. The full Shelby County 2026 loan-limit breakdown covers every unit count, not just the single-family line above.
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?
Yes. $832,750 is the 2026 conforming limit for a single-family home in Memphis, based on FHFA's figure for Shelby County. That is the national baseline with no high-cost adjustment, so a loan above $832,750 is a jumbo loan. Two-unit homes in Shelby County have a $1,066,250 conforming limit for 2026.
As a first-time buyer in Memphis, where do I start?
Start by checking which of FHA and conventional loans you qualify for, since those are the loans first-time buyers in Memphis use most. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules. An FHA loan on one unit in Shelby County can go to $541,287 in 2026 (HUD).
What parts of Memphis do you work in?
Every part of Memphis, including Downtown/Beale Street, Midtown, Cooper-Young and East Memphis. 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 Downtown/Beale Street and East Memphis, and we coordinate them by phone and online.
Can Choice Home Mortgage help me buy in Memphis, TN?
Yes. Choice Home Mortgage helps Memphis buyers through licensed partner brokers in Tennessee, and we coordinate the loan. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Memphis office, so the application, documents and updates run by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
Can you help outside Memphis too?
Yes. Our coverage goes past Memphis to Germantown, Bartlett and Collierville. Every address is checked against its own county's 2026 limit before we quote. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as a Memphis file. FHFA's 2026 one-unit limit for Shelby County is $832,750.
How do we work together on a Memphis purchase?
We start with a call to map your Memphis purchase, then coordinate the application, documents and updates online. A licensed partner broker in Tennessee 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.
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.