Sherman, TX
Buy your first Sherman, TX home with confidence.
First-time-buyer, conventional, FHA programs sized to Sherman budgets — matched to your Sherman file, from Pecan Grove to every corner of Sherman.
Does Choice Home Mortgage work with Sherman, TX buyers?
Yes. Choice Home Mortgage arranges home loans for Sherman buyers through licensed partner brokers who cover Texas. We are a family-owned broker, in business since 2005 and licensed in California (NMLS #2629064); a licensed partner broker handles the Sherman loan while we coordinate it and compare many lenders for it, with owner Esther Buede as your point of contact.
For 2026, a one-unit Sherman home can carry a conforming loan of up to $832,750, the Grayson County limit FHFA sets, and we check where your Sherman price falls before you write an offer. The whole process runs by phone and online.
The Sherman market, read honestly.
Sherman has transformed from a regional agricultural and manufacturing center into one of North Texas’s most active semiconductor corridors: Texas Instruments’ multibillion-dollar fab campus and GlobalWafers’ wafer plant are structural demand drivers not cycle-sensitive; located 70 miles north of Dallas, Sherman offers strong commute access at Grayson County prices.
Every Sherman loan starts from that reality. In Grayson County, a Sherman one-unit purchase conforms up to 2026’s $832,750 baseline for Sherman files. For the typical Sherman purchase, $832,750 is headroom, not a hurdle — Sherman files keep conventional, FHA, and new-construction open. As a market, Sherman runs entry-level. FHFA publishes the 2026 schedule; we’ll square your numbers against it.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Some 39,000-plus people live in Sherman — Pecan Grove, Downtown Sherman, and between — a short drive from Mckinney or Frisco. The Paul Brown United States Courthouse to the Sherman line — that’s ground we know well. Pecan Grove, West Sherman/Austin Landing, East Side historic grid, and Downtown Sherman — we finance homes in each of them, and everywhere else Sherman reaches. Sherman buyers reach us in one call; the loan runs online from there, with the Sherman market knowledge built in. Across Texas, our coverage runs 83 cities deep — and in Sherman, as everywhere, the county numbers get verified before anything is quoted.
What working with us looks like.
Local Sherman insight
From the Paul Brown United States Courthouse across Pecan Grove, West Sherman/Austin Landing, East Side historic grid, we keep tabs on what Sherman homes actually go for and which programs carry them.
First-time & assistance
We open most Sherman files with first-time-buyer, conventional, FHA, then layer in whatever down-payment help your Sherman numbers qualify for.
Many lenders, one file
One Sherman application, many lenders competing on it — that's what a Sherman buyer hires a broker for.
The owner, coordinating
Owner Esther Buede coordinates every Sherman file herself, one point of contact from your first Sherman call to your closing.
One name coordinating every Sherman loan.
Every Sherman file has one coordinator: owner Esther Buede (individual NMLS #2003644). She’ll know your Sherman plans, West Sherman/Austin Landing or anywhere in Sherman, and your name from the first call. Meet the family behind CHM →
“I am a repeat customer. The service is spectacular.”
Matched to your Sherman purchase, not a template.
Between the Paul Brown United States Courthouse and everything around it, Sherman first-time-buyer demand stays steady. For Sherman we lean on first-time-buyer, conventional, FHA through our licensed partner-broker network — but whatever fits your Sherman file, we shop it: FHA, VA, conventional, and non-QM. Step in wherever you are — buying, exploring a refinance, or comparing — apply online or call (949) 522-7310.
Sherman buyers most often work with conventional, FHA, first-time-buyer, new-construction.
Self-employed in Sherman? We also work with self-employed buyers — 1099 income included. See Grayson County’s complete 2026 loan-limit table for the one- through four-unit numbers behind that figure.
Buyers in Mckinney, Frisco, Allen get the same treatment as Sherman files. All our Texas coverage, city by city →
For Sherman, TX: financing arranged through licensed partner brokers, coordinated by Choice Home Mortgage, licensed in California (NMLS #2629064). Equal Housing Opportunity. We serve this area; we do not maintain a Sherman office.
What Sherman buyers ask us first.
How much can Sherman buyers borrow and stay conforming?
A conforming loan on a one-unit Sherman home can go up to $832,750 in 2026, which is FHFA's limit for Grayson County. That is the national baseline with no high-cost adjustment, so a loan above $832,750 is a jumbo loan. For two units, the Grayson County conforming limit is $1,066,250.
What loans help first-time buyers in Sherman?
First-time buyers in Sherman most often use conventional and FHA loans. Some conventional programs accept 3% down from first-time buyers. HUD's 2026 FHA limit for one unit in Grayson County is $541,287. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules.
Do you cover all of Sherman?
Yes, we cover all of Sherman, including Pecan Grove, West Sherman/Austin Landing, East Side historic grid and Downtown Sherman. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. For a one-unit home in Grayson County, the 2026 conforming limit is $832,750.
Do you work with Sherman, TX buyers?
Yes. We work with Sherman buyers through licensed partner brokers who hold the Texas license, and we coordinate each file. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Sherman office, so the application, documents and updates run by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
Do you cover the towns around Sherman?
Yes, the towns around Sherman are covered, including Mckinney, Frisco and Allen. Loan limits are set county by county, so the limit is re-checked for whichever town the home is in. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as a Sherman file.
Do I ever need to visit an office for my Sherman loan?
No. A Sherman loan runs by phone and online, and Choice Home Mortgage has no local office to visit. A licensed partner broker in Texas originates the loan, and Choice Home Mortgage (California NMLS #2629064) coordinates it and compares many lenders. Owner Esther Buede is your point of contact from the first call to closing.
Your Sherman home is a call away.
Talk to the owner directly. We'll map the right loan for your Sherman home and put lenders in competition for Sherman business.