Phoenix, AZ
The straight path to a Phoenix mortgage.
Phoenix buyers get the full menu — conventional, first-time-buyer, FHA — fitted to the Phoenix budget you actually have, Arcadia included.
What financing a Phoenix home really takes.
Phoenix is a high-growth Sun Belt market driven by relocation from California and the Pacific Northwest; new construction is abundant in outer suburbs while established inner-ring neighborhoods stay tighter.
Those Phoenix realities set the strategy. 2026 gives Phoenix buyers a $832,750 conforming cap on one-unit homes — Maricopa County sits at the national baseline. For the typical Phoenix purchase, $832,750 is headroom, not a hurdle — Phoenix files keep conventional, FHA, and VA open. Per FHFA’s 2026 schedule — we’ll check your exact numbers.
Some 1.5 million people live in Phoenix — Arcadia, Ahwatukee, and between — a short drive from Tempe or Glendale. Camelback Mountain to the Phoenix line — that’s ground we know well. From Arcadia, Camelback East, Downtown Phoenix, and Ahwatukee to everywhere else on the Phoenix map — the financing reaches all of it. Searching “mortgage broker near me” from Phoenix? We cover Phoenix by phone and online — Phoenix-level market help, no office visit. Of the 25 Arizona cities we serve, Phoenix plays by its own numbers — that’s the point: the Phoenix file, not a state template.
What working with us looks like.
Phoenix market knowledge
From Camelback Mountain across Arcadia, Camelback East, Downtown Phoenix, we keep tabs on what Phoenix homes actually go for and which programs carry them.
Down-payment friendly
We open most Phoenix files with conventional, first-time-buyer, FHA, then layer in whatever down-payment help your Phoenix numbers qualify for.
We shop; you choose
Many lenders bid on each Phoenix file we bring them — Phoenix buyers never shop one shelf.
Direct to the owner
Owner Esther Buede runs every Phoenix file herself — one expert from your first Phoenix call to your closing.
One owner, handling your whole loan.
Your Phoenix loan gets the owner, not a queue: Esther Buede, licensed (individual NMLS #2003644), closing since 2005. One person, your whole Phoenix loan — from Camelback East across the Phoenix map. Meet the family behind CHM →
“Closed in 8 days. I never knew a home refinance could happen so quickly and painlessly!”
Built around your Phoenix home, not a shelf product.
Near Camelback Mountain, conventional files are a Phoenix staple for us. Phoenix work runs heaviest on conventional, first-time-buyer, FHA, arranged through our licensed partner-broker network — but the full menu stays open for Phoenix files: FHA, VA, non-QM, and conventional. Step in wherever you are — buying, refinancing, or comparing — begin online or call (949) 522-7310.
Phoenix is the center, not the edge — Tempe, Glendale, Scottsdale are covered too. See all Arizona cities we serve →
For Phoenix, AZ: financing arranged through licensed partner brokers, coordinated by Choice Home Mortgage, licensed in California (NMLS #2629064). Equal Housing Opportunity. No Phoenix office — we work with Phoenix buyers remotely.
What Phoenix buyers ask us first.
Is there a loan limit for Phoenix purchases in 2026?
Phoenix follows the $832,750 national baseline for 2026; a bigger Phoenix loan goes jumbo. FHFA-published — we'll check your exact numbers.
I'm a first-time buyer in Phoenix — where do I start?
Most first-time Phoenix buyers start with FHA, conventional, first-time-buyer — and we check which assistance fits your Phoenix purchase before you commit.
Does it matter where in Phoenix I'm buying?
Anywhere in Phoenix works — Arcadia, Camelback East, Downtown Phoenix, Ahwatukee and every block between. The Phoenix address changes the comps, not how hard your file gets shopped.
I'm buying in Phoenix, AZ — can you handle it?
We do — via licensed partner brokers. We're California-licensed (NMLS #2629064) and quarterback the Phoenix, AZ file so Phoenix buyers still get many lenders shopped.
Do you serve areas near Phoenix?
Absolutely — Tempe, Glendale, Scottsdale included. The Phoenix playbook travels; only the county numbers change.
How do we work together on a Phoenix purchase?
Everything runs by phone and online: application, documents, updates. We coordinate your Phoenix purchase with our licensed partner brokers handling the AZ side — no office visit involved.
Your Phoenix keys are the goal.
No call center — just Esther. We'll find what fits your Phoenix purchase and do the Phoenix lender legwork.