Plano, TX
Plano, TX financing that matches Plano prices.
In Plano, the loan has to keep up with the price — high-balance, jumbo, move-up — and ours are built from real Plano numbers, Historic Downtown Plano outward.
Can Choice Home Mortgage help me buy a home in Plano, TX?
Yes. Choice Home Mortgage helps Plano buyers and homeowners through licensed partner brokers who handle the Texas licensing, while we coordinate the Plano 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 Plano, FHFA's 2026 one-unit limit is $832,750 (Collin County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
The Plano market, read honestly.
Plano is a corporate hub within Dallas-Fort Worth, anchored by major headquarters and a highly educated workforce; demand is driven by top-rated public schools and sustains above-average values.
Those Plano realities set the strategy. The 2026 conforming number for Plano buyers in Collin County is $832,750 — the baseline every Plano file starts from. That $832,750 ceiling covers most Plano price points — conventional, FHA, first-time-buyer all stay on the Plano table. As a market, Plano runs above the national norm. Per FHFA’s 2026 schedule — we’ll check your exact numbers.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Plano holds 274,000-plus residents across pockets like Historic Downtown Plano and East Plano, with Dallas and Allen right next door. The Legacy West district to the Plano line — that’s ground we know well. Name the Plano neighborhood — Historic Downtown Plano, Legacy West, West Plano, and East Plano or beyond — and we finance there. “Mortgage broker near me” in Plano usually means the closest office — we skip the office and bring Plano-level help by phone and online instead. Of the 83 Texas cities we serve, Plano plays by its own numbers — that’s the point: the Plano file, not a state template.
Plano deserves a real broker.
Plano, block by block
Historic Downtown Plano, Legacy West, West Plano — every Plano pocket prices its own way, and the blocks near the Legacy West district prove it. We match the program to the pocket.
Move-up & jumbo ready
Price tags in Plano sit above the national norm, so we build jumbo for upper tier, conventional strategies sized to Plano.
Many lenders, one file
Many lenders bid on each Plano file we bring them — Plano buyers never shop one shelf.
Direct to the owner
Owner Esther Buede coordinates your Plano loan personally, the named expert Plano clients would find praised across our Google reviews.
One coordinator on the Plano file, start to keys.
Every Plano file has one coordinator: owner Esther Buede (individual NMLS #2003644). She’ll know your Plano plans, Legacy West or anywhere in Plano, and your name from the first call. Meet the family behind CHM →
“One of the best business interactions that I've ever had. Esther Buede made my loan application possible.”
Programs shaped to Plano price tags.
Plano’s pull — think the Legacy West district — keeps jumbo for upper tier work coming. Most Plano files start at jumbo for upper tier, conventional (via our licensed partner-broker network) and branch from there — every option gets a look: non-QM, FHA financing, conventional, and VA. Step in wherever you are — buying, refinancing your mortgage, or comparing — start your application here or call (949) 522-7310.
The programs that come up most for Plano buyers: conventional, jumbo for upper tier.
Not every Plano file fits a W-2 box — self-employed buyers can qualify on bank-statement income, and Plano investors can lean on no-income investor financing. See Collin County’s complete 2026 loan-limit table for the one- through four-unit numbers behind that figure.
Plano is the center, not the edge — Dallas, Allen, Richardson are covered too. All our Texas coverage, city by city →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Plano, TX buyers through licensed partner brokers. Equal Housing Opportunity. Plano is served remotely — we keep no office there.
Asked by Plano buyers, answered here.
How high can a conforming loan go in Plano?
The 2026 conforming loan limit for a one-unit home in Plano is $832,750, the figure FHFA set for Collin County. Collin 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. Two-unit homes in Collin County have a $1,066,250 conforming limit for 2026.
What happens when a Plano price beats the loan limit?
When the loan amount, not the price, goes above $832,750, a Plano purchase moves from a conforming loan to a jumbo loan. A larger down payment can bring the loan back under $832,750 so it stays conforming. Licensed partner brokers originate the loan, and Choice Home Mortgage compares quotes from many lenders on your file.
Are certain Plano neighborhoods outside your coverage?
No. Every Plano neighborhood is covered, Historic Downtown Plano, Legacy West, West Plano and East Plano included. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. Licensed partner brokers originate loans across Historic Downtown Plano and East Plano, and we coordinate them by phone and online.
Can an out-of-state broker really cover Plano, TX?
Yes, because a licensed partner broker in Texas originates the Plano 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.
Do you serve areas near Plano?
Yes. Besides Plano, we also arrange loans in Dallas, Allen and Richardson 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 Plano file.
How does the process run for a Plano buyer working with you?
A Plano 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 Texas 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.
Next stop: your Plano address.
Your Plano plans, the owner's full attention, and a market of lenders shopped on your Plano file's behalf.