Parma, OH
Your first Parma home, within reach.
Your Parma budget picks the program — FHA, first-time-buyer, down-payment-assistance — and we handle the Parma lender legwork, whether you're eyeing Ridgewood or beyond.
Who can help me get a mortgage in Parma, OH?
Choice Home Mortgage can. We arrange Parma home loans through licensed partner brokers in Ohio and coordinate each Parma file ourselves; our own license is California's (NMLS #2629064). Owner Esther Buede coordinates it personally, and we compare many lenders for it.
The 2026 conforming limit for a one-unit Parma home is $832,750 (Cuyahoga County, per FHFA). We start every Parma file by placing the price against that number, then handle the application, documents and updates by phone and online.
Parma home loans, the honest version.
Parma is the largest suburb of Cleveland and one of the most affordable large cities in the Great Lakes region, with a durable 1950s-60s working- and middle-class stock that has held value through cycles thanks to schools, green space, and proximity to Cuyahoga County employment.
The loan has to fit the Parma picture. In Cuyahoga County, a Parma one-unit purchase conforms up to 2026’s $832,750 baseline for Parma files. For the typical Parma purchase, $832,750 is headroom, not a hurdle — Parma files keep conventional, FHA, and down-payment-assistance open. Parma 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.
Parma holds 80,000-plus residents across pockets like Ridgewood and Ukrainian Village, with Cleveland and Lakewood right next door. Our Parma knowledge is street-level — the area around the West Creek Greenway included. Buyers come to us from Ridgewood, Yorktown, Padua Highlands, and Ukrainian Village, and from every other part of Parma. Need a broker near you in Parma? Everything runs by phone and online, so Parma expertise comes straight to you. Ohio coverage here spans 33 cities, Parma among them — each on its own county limits, each shopped the same way.
Parma deserves a real broker.
Local Parma insight
Ridgewood, Yorktown, Padua Highlands, over to the West Creek Greenway — Parma's pockets price differently, and the right program follows the pocket.
First Parma home help
We open most Parma files with FHA, first-time-buyer, down-payment-assistance, then layer in whatever down-payment help your Parma numbers qualify for.
We shop; you choose
Many lenders bid on each Parma file we bring them — Parma buyers never shop one shelf.
The owner, coordinating
The owner, Esther Buede, is who Parma buyers talk to, and she coordinates the Parma file with our licensed partner brokers.
Your Parma loan, one owner's desk.
One coordinator, no queue: Esther Buede, the owner (individual NMLS #2003644), personally coordinates each Parma loan with our licensed partner brokers, from Yorktown to the far side of Parma. Meet the family behind CHM →
“Esther is amazing, very knowledgeable. She made the loan process fast and easy.”
Financing built around the Parma home you want.
Near the West Creek Greenway, FHA files are a Parma staple for us. FHA, first-time-buyer, down-payment-assistance carry most of our Parma work (via our licensed partner-broker network) — and beyond those, Parma buyers get the full menu: conventional, non-QM, an FHA loan, and VA. Start when you’re ready: buying, refinancing, or just exploring — get started here or call (949) 522-7310.
The programs that come up most for Parma buyers: FHA, first-time-buyer, down-payment-assistance, conventional.
Parma self-employed buyers get their own path here, qualifying on bank-statement income instead of W-2s. Want every unit count, not just single-family? Cuyahoga County’s 2026 loan limits page has the full table.
Parma is the center, not the edge — Cleveland, Lakewood, Strongsville are covered too. Every Ohio city we cover →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Parma, OH buyers through licensed partner brokers. Equal Housing Opportunity. Parma is served remotely — we keep no office there.
Real questions from Parma buyers.
How much can Parma buyers borrow and stay conforming?
The 2026 conforming loan limit for a one-unit home in Parma is $832,750, the figure FHFA set for Cuyahoga County. That is the national baseline with no high-cost adjustment, so a loan above $832,750 is a jumbo loan. A two-unit property in Cuyahoga County can borrow up to $1,066,250 and stay conforming.
What loans help first-time buyers in Parma?
First-time buyers in Parma most often use FHA and conventional loans. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules. HUD's 2026 FHA limit for one unit in Cuyahoga County is $541,287. Some conventional programs accept 3% down from first-time buyers.
Does it matter where in Parma I'm buying?
No, not for the financing: we finance homes anywhere in Parma, including Ridgewood, Yorktown, Padua Highlands and Ukrainian Village. The neighborhood affects the appraisal, which compares recent nearby sales, but the loan terms come from your credit, income and down payment. FHFA's 2026 one-unit limit for Cuyahoga County is $832,750.
Are you set up to arrange loans in Parma, OH?
Yes. Parma loans are arranged through licensed partner brokers in Ohio, with Choice Home Mortgage coordinating the file. 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 Parma?
Buying just outside Parma changes nothing on our side; we also arrange loans in Cleveland, Lakewood and Strongsville through licensed partner brokers. 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 Parma file.
What does the mortgage process look like from Parma?
From Parma, the whole mortgage process runs by phone and online: you apply online, upload documents and get updates as the loan moves. Licensed partner brokers cover the Ohio 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.
Your Parma home is a call away.
Bring the Parma address or just the idea — we'll match the program and shop lenders for your Parma loan.