Reno, NV
Your Reno, NV mortgage, done right.
Your Reno purchase, financed on your terms — VA, conventional, FHA — with the Reno legwork handled from Midtown on out.
Does Choice Home Mortgage work with Reno, NV buyers?
Yes. Choice Home Mortgage arranges home loans for Reno buyers through licensed partner brokers who cover Nevada. We are a family-owned broker, in business since 2005 and licensed in California (NMLS #2629064); a licensed partner broker handles the Reno loan while we coordinate it and compare many lenders for it, with owner Esther Buede as your point of contact.
For Reno, FHFA's 2026 one-unit limit is $832,750 (Washoe County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
Reno home loans, the honest version.
Reno’s market is supported by California out-migration, Nevada’s no-income-tax advantage, and a diversifying tech and logistics base; it spans affordable workforce housing to luxury hillside estates.
That Reno market shapes the loan. A one-unit Reno purchase conforms to $832,750 in 2026 — the national baseline Washoe County runs on. Most Reno purchases sit comfortably under that $832,750 line, keeping conventional, FHA, and VA open for Reno buyers. Reno itself prices solidly middle-of-market. 2026 limits published by FHFA — confirm your exact scenario with us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Some 233,000-plus people live in Reno — Midtown, Northwest Reno, and between — a short drive from Sparks or Carson City. From the Reno Arch and Sierra Nevada backdrop outward, we treat Reno as home turf. Whether the address is in Midtown, Old Southwest, South Meadows, and Northwest Reno or another Reno pocket entirely, the financing follows. Looking for mortgage help near you in Reno? We coordinate Reno loans by phone and online with licensed partner brokers, so you get local-market help without driving anywhere. We work 6 cities across Nevada; Reno gets the same discipline as all of them — verify the Reno numbers, then shop the loan.
How Reno buyers come out ahead.
Reno, block by block
From Midtown, Old Southwest, South Meadows to the Reno Arch and Sierra Nevada backdrop, we track what Reno homes really cost and which loans carry them.
First-time & assistance
Reno buyers often start with VA, conventional, FHA — we match Reno files to the down-payment and first-time programs they qualify for.
Many lenders, one file
Reno loans here go to whichever lender earns them — we shop the Reno file wide.
Direct to the owner
In Reno you get the owner, Esther Buede, coordinating your file personally, with no queue for Reno files.
Your loan, one named coordinator.
Your Reno loan gets the owner as its coordinator: Esther Buede (individual NMLS #2003644), working with licensed partner brokers from Old Southwest across the Reno map. 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 Reno price tags.
Near the Reno Arch and Sierra Nevada backdrop, VA files are a Reno staple for us. Most Reno files start at VA, conventional, FHA (via our licensed partner-broker network) and branch from there — every option gets a look: conventional, non-QM, VA, and FHA. Come in at your own pace — buying, refinancing your mortgage, or comparing paths — apply here or call (949) 522-7310.
For Reno, that usually means conventional, FHA, VA.
Reno 1099 and business-owner borrowers get their own path here, qualifying on bank-statement income instead of W-2s; Reno investors have no-income investor financing too. See Washoe County’s complete 2026 loan-limit table for the one- through four-unit numbers behind that figure.
And around Reno: Sparks, Carson City, Sun Valley are all in reach. All our Nevada coverage, city by city →
Licensed in California (NMLS #2629064), Choice Home Mortgage helps Reno, NV buyers through licensed partner brokers. Equal Housing Opportunity. No Reno office — we work with Reno buyers remotely.
Before you buy in Reno: the FAQs.
How high can a conforming loan go in Reno?
The 2026 conforming loan limit for a one-unit home in Reno is $832,750, the figure FHFA set for Washoe County. Washoe 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 Washoe County have a $1,066,250 conforming limit for 2026.
What loans help first-time buyers in Reno?
First-time buyers in Reno most often use conventional, FHA and VA loans. Some conventional programs accept 3% down from first-time buyers. For FHA, the 2026 one-unit limit in Washoe County is $638,250, per HUD. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules.
Can you finance a home anywhere in Reno?
Yes, anywhere in Reno, from Midtown to Northwest Reno. The neighborhood affects the appraisal, which compares recent nearby sales, but the loan terms come from your credit, income and down payment. Wherever the address is, from Midtown to Northwest Reno, a licensed partner broker originates the loan and we coordinate it by phone and online.
Do you work with Reno, NV buyers?
Yes. We work with Reno buyers through licensed partner brokers who hold the Nevada license, and we coordinate each file. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Reno office, so the application, documents and updates run by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
Do you cover the towns around Reno?
Yes, the towns around Reno are covered, including Sparks, Carson City and Sun Valley. 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 Reno file.
How does the process run for a Reno buyer working with you?
A Reno 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 Nevada 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 Reno keys are the goal.
Talk to the owner directly. We'll map the right loan for your Reno home and put lenders in competition for Reno business.