Orem, UT
Orem home financing, minus the runaround.
Your Orem budget picks the program — FHA, VA, conventional — and we handle the Orem lender legwork, whether you're eyeing Sharon Park or beyond.
Can Choice Home Mortgage help me buy a home in Orem, UT?
Yes. Choice Home Mortgage helps Orem buyers and homeowners through licensed partner brokers who handle the Utah licensing, while we coordinate the Orem 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 Orem home can carry a conforming loan of up to $832,750, the Utah County limit FHFA sets, and we check where your Orem price falls before you write an offer. The whole process runs by phone and online.
What it costs to buy in Orem — and how to finance it.
Orem’s demand is driven by Utah County’s high household-formation rate combined with UVU’s large enrollment and 15-25 minute access to the Lehi Silicon Slopes tech corridor; new construction competes actively with resale, giving buyers more leverage than coastal markets at comparable incomes.
That’s the Orem backdrop the loan has to fit. In Utah County, an Orem one-unit purchase conforms up to 2026’s $832,750 baseline for Orem files. For the typical Orem purchase, $832,750 is headroom, not a hurdle — Orem files keep conventional, FHA, and VA open. Orem sits solidly middle-of-market as a price tier. Source: FHFA 2026 limits. We’ll verify your numbers.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Roughly 91,000-plus people call Orem home, spread from Sharon Park to SCERA/Center Street, with Provo and Lehi minutes away. We work Orem from the ground up — close to the SCERA Center for the Arts. Orem buyers reach us from Sharon Park, Geneva Heights, Cascade/Canyon View, and SCERA/Center Street — and from every block in between. Looking for mortgage help near you in Orem? We coordinate Orem loans by phone and online with licensed partner brokers, so you get local-market help without driving anywhere. We work 19 cities across Utah; Orem gets the same discipline as all of them — verify the Orem numbers, then shop the loan.
How Orem buyers come out ahead.
Local Orem insight
Orem pricing shifts pocket by pocket — Sharon Park, Geneva Heights, Cascade/Canyon View, near the SCERA Center for the Arts — and the loan should match the pocket you pick.
Down-payment friendly
The Orem starting lineup is usually FHA, VA, conventional; we add whichever down-payment help your Orem budget is eligible for.
Many lenders, one file
Orem buyers bring us one file; we bring it to a market of lenders, and the competition does the rest.
Owner-coordinated
Owner Esther Buede coordinates every Orem file herself, one point of contact from your first Orem call to your closing.
Orem files get the owner as coordinator.
In Orem, owner Esther Buede (individual NMLS #2003644) coordinates your loan personally with our licensed partner brokers, from Geneva Heights to every part of Orem. Choice Home Mortgage has been closing loans since 2005. Meet the family behind CHM →
“Closed in 8 days. I never knew a home refinance could happen so quickly and painlessly!”
Built around your Orem home, not a shelf product.
FHA work anchors our Orem lending, with the SCERA Center for the Arts part of the pull. Most Orem files start at FHA, VA, conventional (via our licensed partner-broker network) and branch from there — every option gets a look: non-QM, VA, FHA financing, and conventional. Any starting point works: buying, refinancing, or simply exploring — start your application here or call (949) 522-7310.
For Orem, that usually means conventional, FHA, VA.
Not every Orem file fits a W-2 box — self-employed borrowers can qualify on bank-statement income. Utah County’s 2026 conforming and FHA limits, by unit count are laid out in full if you’re comparing property types.
Close to Orem, we also help buyers in Provo, Lehi, Spanish Fork. More Utah cities we work in →
For Orem, UT: financing arranged through licensed partner brokers, coordinated by Choice Home Mortgage, licensed in California (NMLS #2629064). Equal Housing Opportunity. We serve Orem remotely; there is no local Orem office.
Straight answers for Orem buyers.
What's the 2026 conforming loan limit in Orem?
The 2026 conforming loan limit for a one-unit home in Orem is $832,750, the figure FHFA set for Utah 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 Utah County conforming limit is $1,066,250.
What loans help first-time buyers in Orem?
First-time buyers in Orem most often use conventional, FHA and VA loans. Some conventional programs accept 3% down from first-time buyers. HUD's 2026 FHA limit for one unit in Utah County is $601,450. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules.
Are certain Orem neighborhoods outside your coverage?
No. Every Orem neighborhood is covered, Sharon Park, Geneva Heights, Cascade/Canyon View and SCERA/Center Street included. Prices shift from street to street, and the appraisal follows recent nearby sales; the loan terms follow your credit, income and down payment. The Utah County conforming limit for one unit is $832,750 in 2026.
Can an out-of-state broker really cover Orem, UT?
Yes, because a licensed partner broker in Utah originates the Orem loan while Choice Home Mortgage, licensed in California, coordinates it. Our own license is California's (NMLS #2629064); we keep no local office, and the file runs by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
What if I'm buying just outside Orem?
Buying just outside Orem changes nothing on our side; we also arrange loans in Provo, Lehi and Spanish Fork through licensed partner brokers. 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 an Orem file.
How do we work together on an Orem purchase?
We start with a call to map your Orem purchase, then coordinate the application, documents and updates online. A licensed partner broker in Utah 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.
Next stop: your Orem address.
No call center — just Esther. We'll find what fits your Orem purchase and do the Orem lender legwork.