Richmond, VA
Richmond home financing, minus the runaround.
We put conventional, FHA, first-time-buyer to work for Richmond buyers — matched to your file, whether the address is The Fan District or anywhere else in Richmond.
Richmond prices, programs, and the path through.
Richmond’s independent-city status makes the city/suburb divide a hard administrative line; its housing stock is concentrated in pre-WWII rowhouse and early-20th-century forms, with heavy renovation activity in former industrial corridors. (Richmond is an independent city, not in a county.)
That’s the Richmond backdrop the loan has to fit. Richmond follows the Richmond area’s national-baseline limit for 2026: $832,750 on a one-unit Richmond home. Richmond price points mostly stay under $832,750, which keeps conventional, FHA, and first-time-buyer on the menu for Richmond buyers. FHFA 2026 figures; your scenario gets verified before anything else.
Call it 214,000-plus people: Richmond runs from The Fan District to Scott's Addition, and Newport News and Suffolk sit just outside the line. Richmond isn’t an abstraction to us — we know it down to the Virginia State Capitol and Monument Avenue. From The Fan District, Church Hill, Carytown, and Scott's Addition to everywhere else on the Richmond map — the financing reaches all of it. Looking for a mortgage broker near you in Richmond? We serve Richmond by phone and online, so Richmond buyers get local-market help without driving anywhere. Across Virginia, our coverage runs 17 cities deep — and in Richmond, as everywhere, the county numbers get verified before anything is quoted.
The broker difference, Richmond edition.
Local Richmond insight
Every Richmond neighborhood has its own math — The Fan District, Church Hill, Carytown included — and we read it street by street, the Virginia State Capitol and Monument Avenue and all.
First-time & assistance
Richmond budgets get the full toolkit — conventional, FHA, first-time-buyer — plus every assistance program a Richmond file can claim.
We shop; you choose
Your Richmond file gets shopped across many lenders — a broker working Richmond, not one bank's sales desk.
Direct to the owner
Esther Buede — the owner — works your Richmond loan start to finish; our Google reviews show Richmond buyers why that matters.
Owner-handled, application to Richmond keys.
Your Richmond loan gets the owner, not a queue: Esther Buede, licensed (individual NMLS #2003644), closing since 2005. One person, your whole Richmond loan — from Church Hill across the Richmond map. Meet the family behind CHM →
“They did what our bank of 20+ years could not — refinanced 2 of our homes in record time. The Dynamic Duo!”
Your Richmond file decides the loan.
Near the Virginia State Capitol and Monument Avenue, conventional files are a Richmond staple for us. Conventional, FHA, first-time-buyer carry most of our Richmond work (via our licensed partner-broker network) — and beyond those, Richmond buyers get the full menu: non-QM, FHA, conventional, and VA. Step in wherever you are — buying, refinancing, or comparing — begin online or call (949) 522-7310.
Buyers in Newport News, Suffolk, Hampton get the same treatment as Richmond files. Every Virginia city we cover →
Working with Richmond, VA buyers through licensed partner brokers — Choice Home Mortgage, California-licensed, NMLS #2629064. Equal Housing Opportunity. We serve Richmond remotely; there is no local Richmond office.
Richmond mortgage questions, answered.
What counts as a conforming loan amount in Richmond?
Richmond follows the $832,750 national baseline for 2026; a bigger Richmond loan goes jumbo. FHFA-published — we'll check your exact numbers.
Do Richmond first-time buyers have good loan options?
For Richmond first-timers the workhorses are FHA, first-time-buyer, conventional. We match Richmond buyers to the down-payment and first-time programs their file qualifies for.
Does it matter where in Richmond I'm buying?
Anywhere in Richmond works — The Fan District, Church Hill, Carytown, Scott's Addition and every block between. The Richmond address changes the comps, not how hard your file gets shopped.
Can Choice Home Mortgage help me buy in Richmond, VA?
Yes: Richmond, VA purchases run through licensed partner brokers while we (California NMLS #2629064) coordinate the Richmond process and lender shopping.
Can you help outside Richmond too?
Coverage doesn't stop at Richmond: Newport News, Suffolk, Hampton are all workable, each on its own county numbers.
Do I ever need to visit an office for my Richmond loan?
Everything runs by phone and online: application, documents, updates. We coordinate your Richmond purchase with our licensed partner brokers handling the VA side — no office visit involved.
Ready for your Richmond address?
One conversation, zero pressure — your Richmond plan mapped and a market of lenders put to work on the Richmond file.