Philadelphia, PA
A better way to mortgage in Philadelphia, PA.
Real Philadelphia prices, real programs — FHA, first-time-buyer, down-payment-assistance — matched to what your Philadelphia file qualifies for, in Rittenhouse Square and citywide.
Can Choice Home Mortgage help me buy a home in Philadelphia, PA?
Yes. Choice Home Mortgage helps Philadelphia buyers and homeowners through licensed partner brokers who handle the Pennsylvania licensing, while we coordinate the Philadelphia 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 Philadelphia home can carry a conforming loan of up to $832,750, the Philadelphia County limit FHFA sets, and we check where your Philadelphia price falls before you write an offer. The whole process runs by phone and online.
Philadelphia home loans, the honest version.
Philadelphia is one of the most affordable large Northeast cities — a fraction of New York or Boston; strong demand from young buyers and investors is driving steady appreciation in walkable, transit-rich neighborhoods.
Every Philadelphia loan starts from that reality. A one-unit Philadelphia purchase conforms to $832,750 in 2026 — the national baseline Philadelphia County runs on. Most Philadelphia purchases sit comfortably under that $832,750 line, keeping conventional, FHA, and down-payment-assistance open for Philadelphia buyers. Philadelphia’s price tier is solidly middle-of-market. 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.
Call it 1.6 million people: Philadelphia runs from Rittenhouse Square to South Philadelphia, and Darby and Yeadon sit just outside the line. We can talk Philadelphia down to the blocks around Independence Hall and the Liberty Bell. Name the Philadelphia neighborhood — Rittenhouse Square, Fishtown, Northern Liberties, and South Philadelphia or beyond — and we finance there. Looking for mortgage help near you in Philadelphia? We coordinate Philadelphia loans by phone and online with licensed partner brokers, so you get local-market help without driving anywhere. Across Pennsylvania, our coverage runs 13 cities deep — and in Philadelphia, as everywhere, the county numbers get verified before anything is quoted.
How we work Philadelphia loans.
Philadelphia, block by block
Rittenhouse Square, Fishtown, Northern Liberties, over to Independence Hall and the Liberty Bell — Philadelphia's pockets price differently, and the right program follows the pocket.
First Philadelphia home help
We open most Philadelphia files with FHA, first-time-buyer, down-payment-assistance, then layer in whatever down-payment help your Philadelphia numbers qualify for.
Many lenders, one file
As a broker we put many lenders in competition for your Philadelphia file — not one bank's Philadelphia shelf.
Direct to the owner
In Philadelphia you get the owner, Esther Buede, coordinating your file personally, with no queue for Philadelphia files.
One coordinator on the Philadelphia file, start to keys.
One coordinator, no queue: Esther Buede, the owner (individual NMLS #2003644), personally coordinates each Philadelphia loan with our licensed partner brokers, from Fishtown to the far side of Philadelphia. Meet the family behind CHM →
“Esther made this transition so smooth and seamless for us. This team is amazing and we could not have chosen a better partner in the journey!”
Programs shaped to Philadelphia price tags.
Philadelphia’s pull — think Independence Hall and the Liberty Bell — keeps FHA work coming. FHA, first-time-buyer, down-payment-assistance carry most of our Philadelphia work (via our licensed partner-broker network) — and beyond those, Philadelphia buyers get the full menu: VA, non-QM, conventional, and FHA financing. Start when you’re ready: buying, exploring a refinance, or just exploring — apply in minutes or call (949) 522-7310.
Expect FHA, first-time-buyer, down-payment-assistance to carry most Philadelphia files.
Self-employed in Philadelphia? We also work with borrowers who work for themselves — 1099 income included, plus bridge financing for Philadelphia investors. Philadelphia County’s 2026 conforming and FHA limits, by unit count are laid out in full if you’re comparing property types.
Philadelphia is the center, not the edge — Darby, Yeadon, Lansdowne are covered too. More Pennsylvania cities we work in →
Philadelphia, PA buyers work with us through licensed partner brokers; Choice Home Mortgage is licensed in California (NMLS #2629064). Equal Housing Opportunity. We work with Philadelphia buyers remotely and maintain no Philadelphia office.
Asked by Philadelphia buyers, answered here.
Where does the Philadelphia conforming loan limit sit for 2026?
In Philadelphia, a one-unit home can carry a conforming loan of up to $832,750 for 2026, under FHFA's limit for Philadelphia County. Philadelphia County uses the $832,750 national baseline, so a larger loan is a jumbo loan, which each lender prices and underwrites under its own rules.
Do Philadelphia first-time buyers have good loan options?
Yes. First-time buyers in Philadelphia can choose from FHA and conventional loans, and down-payment assistance where they qualify. 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 Philadelphia County can go to $630,200 in 2026 (HUD).
Are certain Philadelphia neighborhoods outside your coverage?
No. Every Philadelphia neighborhood is covered, Rittenhouse Square, Fishtown, Northern Liberties and South Philadelphia 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 Philadelphia County conforming limit for one unit is $832,750 in 2026.
Can Choice Home Mortgage help me buy in Philadelphia, PA?
Yes. Choice Home Mortgage helps Philadelphia buyers through licensed partner brokers in Pennsylvania, and we coordinate the loan. 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 about the towns just past the Philadelphia line?
We cover those too: Darby, Yeadon and Lansdowne are in our service area along with Philadelphia. 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 Philadelphia file.
How does the process run for a Philadelphia buyer working with you?
A Philadelphia 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 Pennsylvania 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.
Other Pennsylvania cities we serve
Let's get you home in Philadelphia.
Tell us where in Philadelphia you're headed — the program match and the Philadelphia lender legwork are on us.