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.
Does Choice Home Mortgage work with Richmond, VA buyers?
Yes. Choice Home Mortgage arranges home loans for Richmond buyers through licensed partner brokers who cover Virginia. We are a family-owned broker, in business since 2005 and licensed in California (NMLS #2629064); a licensed partner broker handles the Richmond loan while we coordinate it and compare many lenders for it, with owner Esther Buede as your point of contact.
For Richmond, FHFA's 2026 one-unit limit is $832,750 (the Richmond area), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
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.
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. Richmond’s price tier is 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.
Call it 214,000-plus people: Richmond runs from The Fan District to Scott's Addition, and Meadowbrook and Manchester 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 mortgage help near you in Richmond? We coordinate Richmond loans by phone and online with licensed partner brokers, so you 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
Owner Esther Buede coordinates every Richmond file herself, one point of contact from your first Richmond call to your closing.
Owner-coordinated, application to Richmond keys.
Your Richmond loan gets the owner as its coordinator: Esther Buede (individual NMLS #2003644), working with licensed partner brokers 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.
Richmond files here lean on FHA, first-time-buyer, conventional.
Richmond self-employed buyers get their own path here, qualifying on 1099 income instead of W-2s; Richmond investors have DSCR investor loans too.
Buyers in Meadowbrook, Manchester, Bon Air 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?
$832,750 is the 2026 conforming limit for a single-family home in Richmond, based on FHFA's figure for the independent city of Richmond. That is the national baseline with no high-cost adjustment, so a loan above $832,750 is a jumbo loan.
Do Richmond first-time buyers have good loan options?
Yes. First-time buyers in Richmond can choose from FHA and conventional loans, and down-payment assistance where they qualify. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules. Some conventional programs accept 3% down from first-time buyers. Licensed partner brokers originate the loan, and Choice Home Mortgage compares quotes from many lenders on your file.
Does it matter where in Richmond I'm buying?
No, not for the financing: we finance homes anywhere in Richmond, including The Fan District, Church Hill, Carytown and Scott's Addition. Prices shift from street to street, and the appraisal follows recent nearby sales; the loan terms follow your credit, income and down payment. The Richmond conforming limit for one unit is $832,750 in 2026.
Can Choice Home Mortgage help me buy in Richmond, VA?
Yes. Choice Home Mortgage helps Richmond buyers through licensed partner brokers in Virginia, and we coordinate the loan. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Richmond office, so the application, documents and updates run by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
Can you help outside Richmond too?
Yes. Our coverage goes past Richmond to Meadowbrook, Manchester and Bon Air. Each town's conforming limit depends on its county, so we confirm the 2026 limit for the exact address before quoting. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as a Richmond file.
Do I ever need to visit an office for my Richmond loan?
No. A Richmond loan runs by phone and online, and Choice Home Mortgage has no local office to visit. Licensed partner brokers cover the Virginia 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.
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.