Richardson, TX
Richardson home financing, minus the runaround.
We fit the loan to your Richardson plans — first-time-buyer, move-up, conventional and more — walking Richardson buyers through it, Canyon Creek to closing day.
Richardson prices, programs, and the path through.
Richardson’s Telecom Corridor along US-75 — AT&T, Cisco, Samsung, Ericsson — has been a stable tech anchor since the 1980s, and UT Dallas adds a research-university driver; the city offers families school-district optionality across Richardson ISD and Plano ISD within one city.
Financing follows that Richardson math. A one-unit Richardson purchase conforms to $832,750 in 2026 — the national baseline Dallas County runs on. Since typical Richardson prices stay under $832,750, a Richardson buyer keeps conventional, FHA, and move-up all in play. FHFA 2026 figures; your scenario gets verified before anything else.
Roughly 104,000-plus people call Richardson home, spread from Canyon Creek to Heights Park, with Dallas and Plano minutes away. Our Richardson knowledge is street-level — the area around the CityLine district included. Canyon Creek, Arapaho, University Estates, and Heights Park — we finance homes in each of them, and everywhere else Richardson reaches. Richardson buyers reach us in one call; the loan runs online from there, with the Richardson market knowledge built in. Texas coverage here spans 83 cities, Richardson among them — each on its own county limits, each shopped the same way.
What you get with a local broker.
Richardson market knowledge
From Canyon Creek, Arapaho, University Estates to the CityLine district, we track what Richardson homes really cost and which loans carry them.
Down-payment friendly
We open most Richardson files with first-time-buyer, move-up, conventional, then layer in whatever down-payment help your Richardson numbers qualify for.
Lenders shopped for you
Many lenders bid on each Richardson file we bring them — Richardson buyers never shop one shelf.
Direct to the owner
Owner Esther Buede runs every Richardson file herself — one expert from your first Richardson call to your closing.
Richardson files get the owner. Every time.
In Richardson, your loan is handled personally by owner Esther Buede — a licensed expert (individual NMLS #2003644) guiding families — Arapaho to all Richardson — to closing since 2005. Not a call center — one expert on your Richardson file. Meet the family behind CHM →
“This Duo is amazing. Esther helped with all of the loan documentation and made the whole process the best house buying experience we've ever had.”
Richardson financing that fits the home and the borrower.
First-time-buyer work anchors our Richardson lending, with the CityLine district part of the pull. Most Richardson files start at first-time-buyer, move-up, conventional (via our licensed partner-broker network) and branch from there — every option gets a look: non-QM, FHA, conventional, and VA. Start where it suits you: buying, refinancing, or testing the numbers — apply here or call (949) 522-7310.
And around Richardson: Dallas, Plano, Garland are all in reach. All our Texas coverage, city by city →
Richardson, TX buyers work with us through licensed partner brokers; Choice Home Mortgage is licensed in California (NMLS #2629064). Equal Housing Opportunity. We work with Richardson buyers remotely and maintain no Richardson office.
Richardson mortgage questions, answered.
Is there a loan limit for Richardson purchases in 2026?
Richardson follows the $832,750 national baseline for 2026; a bigger Richardson loan goes jumbo. FHFA-published — we'll check your exact numbers.
I'm a first-time buyer in Richardson — where do I start?
Start with conventional, first-time-buyer, move-up — those carry most first Richardson purchases. We'll check what your Richardson file qualifies for, including any down-payment help, before you pick a lane.
Are certain Richardson neighborhoods outside your coverage?
Anywhere in Richardson works — Canyon Creek, Arapaho, University Estates, Heights Park and every block between. The Richardson address changes the comps, not how hard your file gets shopped.
I'm buying in Richardson, TX — can you handle it?
We're licensed in California (NMLS #2629064) and team with licensed partner brokers for TX, so a Richardson buyer gets the same many-lenders shopping with the licensing handled properly.
I'm shopping Richardson and the next town over — covered?
Of course: Dallas, Plano, Garland run the same as Richardson files, with each area's numbers checked separately.
What does the mortgage process look like from Richardson?
No office needed. A Richardson file moves digitally — application through final documents — with us coordinating lenders and licensed partner brokers covering TX.
Buying near Richardson? We cover that too
Your Richardson keys are the goal.
No call center — just Esther. We'll find what fits your Richardson purchase and do the Richardson lender legwork.