Midland, TX
A better way to mortgage in Midland, TX.
We fit the loan to your Midland plans — conventional, jumbo and more — walking Midland buyers through it, Grassland Estates to closing day.
Can Choice Home Mortgage help me buy a home in Midland, TX?
Yes. Choice Home Mortgage helps Midland buyers and homeowners through licensed partner brokers who handle the Texas licensing, while we coordinate the Midland 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 2026, a one-unit Midland home can carry a conforming loan of up to $832,750, the Midland County limit FHFA sets, and we check where your Midland price falls before you write an offer. The whole process runs by phone and online.
Midland prices, programs, and the path through.
Midland’s market is structurally tied to Permian Basin oil and gas — the second-largest oil-producing region in the world — with a buyer pool of petroleum engineers, geologists, and service workers who need permanent housing near non-relocatable work sites, with above-average incomes.
Those Midland realities set the strategy. A one-unit Midland purchase conforms to $832,750 in 2026 — the national baseline Midland County runs on. For the typical Midland purchase, $832,750 is headroom, not a hurdle — Midland files keep conventional, FHA, and first-time-buyer open. Midland sits solidly middle-of-market as a price tier. FHFA 2026 figures; your scenario gets verified before anything else.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
From Grassland Estates over to Greenwood, Midland’s 123,000-plus residents sit within minutes of Odessa and West Odessa. From the Permian Basin Petroleum Museum outward, we treat Midland as home turf. Midland buyers reach us from Grassland Estates, Club Estates, Downtown Midland, and Greenwood — and from every block in between. Searching “mortgage broker near me” from Midland? We cover Midland by phone and online — Midland-level market help, no office visit. Of the 83 Texas cities we serve, Midland plays by its own numbers — that’s the point: the Midland file, not a state template.
What working with us looks like.
Midland market knowledge
From Grassland Estates, Club Estates, Downtown Midland to the Permian Basin Petroleum Museum, we track what Midland homes really cost and which loans carry them.
Down-payment friendly
The Midland starting lineup is usually conventional, jumbo; we add whichever down-payment help your Midland budget is eligible for.
Many lenders, one file
We make lenders compete for Midland business instead of squeezing Midland buyers into a single bank's box.
The owner, coordinating
In Midland you get the owner, Esther Buede, coordinating your file personally, with no queue for Midland files.
Owner-coordinated, application to Midland keys.
Every Midland file has one coordinator: owner Esther Buede (individual NMLS #2003644). She’ll know your Midland plans, Club Estates or anywhere in Midland, and your name from the first call. Meet the family behind CHM →
“A very special lady. Esther took me by the hand and walked me thru each and every bump in the road.”
Programs shaped to Midland price tags.
Conventional work anchors our Midland lending, with the Permian Basin Petroleum Museum part of the pull. Most Midland files start at conventional, jumbo (via our licensed partner-broker network) and branch from there — every option gets a look: an FHA loan, VA, non-QM, and conventional. Ready or just curious — buying, exploring a refinance, or running scenarios — begin online or call (949) 522-7310.
Midland files here lean on conventional, jumbo.
Not every Midland file fits a W-2 box — self-employed borrowers can qualify on 1099 income. Want every unit count, not just single-family? Midland County’s 2026 loan limits page has the full table.
Buyers in Odessa, West Odessa, Andrews get the same treatment as Midland files. See all Texas cities we serve →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Midland, TX buyers through licensed partner brokers. Equal Housing Opportunity. Midland is served remotely — we keep no office there.
Midland mortgage questions, answered.
How high can a conforming loan go in Midland?
The 2026 conforming loan limit for a one-unit home in Midland is $832,750, the figure FHFA set for Midland County. That is the national baseline with no high-cost adjustment, so a loan above $832,750 is a jumbo loan. For two units, the Midland County conforming limit is $1,066,250.
Do Midland first-time buyers have good loan options?
Yes. First-time buyers in Midland can choose from conventional and FHA loans, and down-payment assistance where they qualify. Some conventional programs accept 3% down from first-time buyers. An FHA loan on one unit in Midland County can go to $541,287 in 2026 (HUD). FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules.
Are certain Midland neighborhoods outside your coverage?
No. Every Midland neighborhood is covered, Grassland Estates, Club Estates, Downtown Midland and Greenwood included. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. Wherever the address is, from Grassland Estates to Greenwood, a licensed partner broker originates the loan and we coordinate it by phone and online.
I'm buying in Midland, TX: can you handle it?
Yes. A licensed partner broker in Texas originates the Midland loan, and Choice Home Mortgage coordinates it. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Midland office, so the application, documents and updates run by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
I'm shopping Midland and the next town over: is that covered?
Yes. You can compare homes in Midland with Odessa, West Odessa and Andrews on one file. Loan limits are set county by county, so the limit is re-checked for whichever town the home is in. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as a Midland file.
How does the process run for a Midland buyer working with you?
A Midland buyer starts with one call to set the plan, then applies online, uploads documents and gets updates as the file moves. Licensed partner brokers cover the Texas licensing, while Choice Home Mortgage (California NMLS #2629064) coordinates the file and the lender shopping. Owner Esther Buede is your point of contact from the first call to closing.
Let's get you home in Midland.
Your Midland plans, the owner's full attention, and a market of lenders shopped on your Midland file's behalf.