Richmond, VA
Your Richmond, VA mortgage, done right.
Conventional, FHA, and first-time-buyer paths for Richmond — clear guidance from pre-approval through closing.
Richmond home loans, the honest version.
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 market shapes the loan. In the Richmond area, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Richmond 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 Richmond from the ground up — close to the Virginia State Capitol and Monument Avenue. We finance homes across The Fan District, Church Hill, Carytown, and Scott's Addition — and every other corner of Richmond. Looking for a mortgage broker near you in Richmond? 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.
Richmond market knowledge
Near the Virginia State Capitol and Monument Avenue, across The Fan District, Church Hill, Carytown — we know Richmond's neighborhoods, prices, and the programs that fit them.
First-time & assistance
Richmond buyers often start with FHA, first-time-buyer, conventional — 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 Richmond file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your Richmond loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Richmond, 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 →
“One of the best business interactions that I've ever had. Esther Buede made my loan application possible.”
Matched to your Richmond purchase, not a template.
For Richmond we lean on FHA, first-time-buyer, conventional 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 Richmond, we also help buyers in Newport News, Suffolk, Hampton. See all Virginia cities we serve →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Richmond, VA buyers through licensed partner brokers. Equal Housing Opportunity. We serve this area; we do not maintain a Richmond office.
Richmond mortgage questions, answered.
What's the 2026 conforming loan limit in Richmond?
In the Richmond area, 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 Richmond?
Most Richmond 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 Richmond neighborhoods do you serve?
We serve buyers across Richmond, including The Fan District, Church Hill, Carytown. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Can Choice Home Mortgage help me buy in Richmond, VA?
Yes. We help Richmond homebuyers through licensed partner brokers. Choice Home Mortgage is licensed in California (NMLS #2629064); we coordinate VA financing for you.
Do you serve areas near Richmond?
Yes — we also work with buyers in nearby Newport News, Suffolk, Hampton. Same process, local loan-limit details for each.
Let's finance your Richmond home.
One call with the owner — local, honest, no pressure. We'll tell you which program fits your Richmond purchase and shop the lenders for you.