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.
Can Choice Home Mortgage help me buy a home in Richardson, TX?
Yes. Choice Home Mortgage helps Richardson buyers and homeowners through licensed partner brokers who handle the Texas licensing, while we coordinate the Richardson 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.
The 2026 conforming limit for a one-unit Richardson home is $832,750 (Dallas County, per FHFA). We start every Richardson file by placing the price against that number, then handle the application, documents and updates by phone and online.
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. As a market, Richardson runs solidly middle-of-market. FHFA 2026 figures; your scenario gets verified before anything else.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
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 coordinates your Richardson loan personally, the named expert Richardson clients would find praised across our Google reviews.
Richardson files get the owner as coordinator.
In Richardson, owner Esther Buede (individual NMLS #2003644) coordinates your loan personally with our licensed partner brokers, from Arapaho to every part of Richardson. Choice Home Mortgage has been closing loans since 2005. 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, an FHA loan, conventional, and VA. Start where it suits you: buying, refinancing, or testing the numbers — apply here or call (949) 522-7310.
Expect conventional, first-time-buyer, move-up to carry most Richardson files.
Self-employed in Richardson? We also work with self-employed buyers — 1099 income included. Want every unit count, not just single-family? Dallas County’s 2026 loan limits page has the full table. Richardson sits in Dallas County — see how we work across Dallas County as a whole.
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?
Yes. In Richardson, a one-unit home can carry a conforming loan of up to $832,750 for 2026, under FHFA's limit for Dallas County. Dallas 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.
As a first-time buyer in Richardson, where do I start?
Start by checking which of conventional and FHA loans you qualify for, since those are the loans first-time buyers in Richardson use most. Some conventional programs accept 3% down from first-time buyers. HUD's 2026 FHA limit for one unit in Dallas County is $563,500. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules.
Are certain Richardson neighborhoods outside your coverage?
No. Every Richardson neighborhood is covered, Canyon Creek, Arapaho, University Estates and Heights Park included. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. Wherever the address is, from Canyon Creek to Heights Park, a licensed partner broker originates the loan and we coordinate it by phone and online.
I'm buying in Richardson, TX: can you handle it?
Yes. A licensed partner broker in Texas originates the Richardson loan, and Choice Home Mortgage coordinates it. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Richardson office, so the application, documents and updates run by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
I'm shopping Richardson and the next town over: is that covered?
Yes. You can compare homes in Richardson with Dallas, Plano and Garland on one file. 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 Richardson file.
What does the mortgage process look like from Richardson?
From Richardson, the whole mortgage process runs by phone and online: you apply online, upload documents and get updates as the loan 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.
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.