Pasco, WA
From renting in Pasco to owning in Pasco.
Pasco buyers get the full menu — first-time-buyer, conventional, FHA — fitted to the Pasco budget you actually have, West Pasco included.
Does Choice Home Mortgage work with Pasco, WA buyers?
Yes. Choice Home Mortgage arranges home loans for Pasco buyers through licensed partner brokers who cover Washington. We are a family-owned broker, in business since 2005 and licensed in California (NMLS #2629064); a licensed partner broker handles the Pasco loan while we coordinate it and compare many lenders for it, with owner Esther Buede as your point of contact.
For Pasco, FHFA's 2026 one-unit limit is $832,750 (Franklin County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
Buying in Pasco: the numbers that matter.
Pasco is one of the three Tri-Cities anchored by the Hanford cleanup project, which employs thousands of science and engineering workers under multi-decade federal contracts — a structural employment floor insulating the market from private-sector volatility; it is the fastest-growing of the three with a robust agricultural-processing economy.
That Pasco market shapes the loan. Pasco’s 2026 conforming ceiling is $832,750, the baseline figure Franklin County shares with most of the country. Pasco price points mostly stay under $832,750, which keeps conventional, FHA, and USDA on the menu for Pasco buyers. Pasco itself prices entry-level. 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.
Pasco holds 67,000-plus residents across pockets like West Pasco and Chiawana, with Kennewick and Richland right next door. We can talk Pasco down to the blocks around the Columbia River waterfront and Sacagawea Heritage Trail. From West Pasco, Riverview/Columbia River corridor, Road 68 corridor, and Chiawana to everywhere else on the Pasco map — the financing reaches all of it. Pasco buyers reach us in one call; the loan runs online from there, with the Pasco market knowledge built in. We work 28 cities across Washington; Pasco gets the same discipline as all of them — verify the Pasco numbers, then shop the loan.
What you get with a local broker.
Pasco, block by block
West Pasco, Riverview/Columbia River corridor, Road 68 corridor, over to the Columbia River waterfront and Sacagawea Heritage Trail — Pasco's pockets price differently, and the right program follows the pocket.
Down-payment friendly
Pasco budgets get the full toolkit — first-time-buyer, conventional, FHA — plus every assistance program a Pasco file can claim.
We shop; you choose
A Pasco mortgage should be bid on. We take your Pasco file to many lenders and let the best terms win.
Direct to the owner
Your Pasco file is coordinated by owner Esther Buede herself, and in Pasco or Kennewick hers is the name buyers recognize from our reviews.
One coordinator, application to keys.
Owner Esther Buede (individual NMLS #2003644) personally coordinates each Pasco file, Riverview/Columbia River corridor or any Pasco address, first call to keys. Meet the family behind CHM →
“One of the best business interactions that I've ever had. Esther Buede made my loan application possible.”
The right Pasco loan for your situation.
Demand around the Columbia River waterfront and Sacagawea Heritage Trail keeps first-time-buyer activity steady in Pasco. The Pasco playbook usually starts with first-time-buyer, conventional, FHA, arranged through licensed partner brokers — then we shop whatever your Pasco file calls for: conventional, non-QM, FHA loans, and VA. Start where it suits you: buying, refinancing, or testing the numbers — start your application here or call (949) 522-7310.
Pasco buyers most often work with FHA, first-time-buyer, conventional, USDA, VA.
Pasco borrowers who work for themselves get their own path here, qualifying on bank-statement income instead of W-2s. The full Franklin County 2026 loan-limit breakdown covers every unit count, not just the single-family line above.
And around Pasco: Kennewick, Richland, West Richland are all in reach. Every Washington city we cover →
Choice Home Mortgage (California-licensed, NMLS #2629064) serves Pasco, WA buyers through licensed partner brokers. Equal Housing Opportunity. We serve this area; we do not maintain a Pasco office.
Real questions from Pasco buyers.
What's the conforming cap on a Pasco home loan?
A conforming loan on a one-unit Pasco home can go up to $832,750 in 2026, which is FHFA's limit for Franklin 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 Franklin County can borrow up to $1,066,250 and stay conforming.
How do first-time buyers usually finance a Pasco home?
First-time buyers in Pasco usually finance with FHA, conventional and USDA loans. 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 Franklin County can go to $541,287 in 2026 (HUD). Some conventional programs accept 3% down from first-time buyers.
Do you cover all of Pasco?
Yes, we cover all of Pasco, including West Pasco, Riverview/Columbia River corridor, Road 68 corridor and Chiawana. The neighborhood affects the appraisal, which compares recent nearby sales, but the loan terms come from your credit, income and down payment. Licensed partner brokers originate loans across West Pasco and Chiawana, and we coordinate them by phone and online.
Will you take on my Pasco, WA purchase?
Yes. We take Pasco purchases through licensed partner brokers in Washington and coordinate the loan from the first call. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Pasco office, so the application, documents and updates run by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
What about the towns just past the Pasco line?
We cover those too: Kennewick, Richland and West Richland are in our service area along with Pasco. Each town's conforming limit depends on its county, so we confirm the 2026 limit for the exact address before quoting. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as a Pasco file.
How does the process run for a Pasco buyer working with you?
A Pasco buyer starts with one call to set the plan, then applies online, uploads documents and gets updates as the file moves. A licensed partner broker in Washington 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.
Your Pasco home is a call away.
The owner picks up, your Pasco numbers get real, and lenders start competing for the Pasco business.