Richardson, TX
Your Richardson, TX mortgage, done right.
Conventional, FHA, and first-time-buyer paths for Richardson — clear guidance from pre-approval through closing.
Inside the Richardson mortgage market.
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.
That market shapes the loan. In Dallas County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Richardson purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and first-time-buyer options on the table. Limits per FHFA 2026; verify your scenario with us.
We work Richardson from the ground up — close to the CityLine district. We finance homes across Canyon Creek, Arapaho, University Estates, and Heights Park — and every other corner of Richardson. Looking for a mortgage broker near you in Richardson? We serve the area by phone and online, so you get a local-market broker without driving to an office.
What you get with a local broker.
Richardson market knowledge
Near the CityLine district, across Canyon Creek, Arapaho, University Estates — we know Richardson's neighborhoods, prices, and the programs that fit them.
First-time & assistance
Richardson buyers often start with conventional, first-time-buyer, move-up — we match you to the down-payment and first-time programs you qualify for.
Lenders shopped for you
As a broker we shop many lenders for your Richardson file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your Richardson loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Richardson, your loan is handled personally by owner Esther Buede — a licensed mortgage expert (individual NMLS #2003644) who has guided California families to the closing table since 2005. Not a call center, not a rotating cast — one expert who knows your file and your market. 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.”
Built around your Richardson home, not a shelf product.
For Richardson we lean on conventional, first-time-buyer, move-up through our licensed partner-broker network — but whatever fits, we shop it: FHA, conventional, VA, and non-QM. Start when you’re ready: buying, refinancing, or just exploring — apply here or call (949) 522-7310.
Close to Richardson, we also help buyers in Dallas, Plano, Garland. See all Texas cities we serve →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Richardson, TX buyers through licensed partner brokers. Equal Housing Opportunity. We serve this area; we do not maintain a Richardson office.
Richardson mortgage questions, answered.
What's the 2026 conforming loan limit in Richardson?
In Dallas County, the 2026 conforming loan limit is $832,750 for a single-family home, the national baseline. Limits per FHFA 2026; verify your scenario with us.
Which loan types work best in Richardson?
Most Richardson buyers use conventional or FHA financing; refinancing and move-up loans are common too. The right fit depends on your down payment and goals.
Which Richardson neighborhoods do you serve?
We serve buyers across Richardson, including Canyon Creek, Arapaho, University Estates. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Can Choice Home Mortgage help me buy in Richardson, TX?
Yes. We help Richardson homebuyers through licensed partner brokers. Choice Home Mortgage is licensed in California (NMLS #2629064); we coordinate TX financing for you.
Do you serve areas near Richardson?
Yes — we also work with buyers in nearby Dallas, Plano, Garland. Same process, local loan-limit details for each.
Let's finance your Richardson home.
No call center — just Esther. We'll find the program that fits your Richardson purchase and do the lender legwork.