St. George, UT
Your St. George, UT mortgage, done right.
A St. George home within reach: FHA, reverse mortgage, conventional — run against your real St. George numbers, Little Valley to the far side of St. George.
Who can help me get a mortgage in St. George, UT?
Choice Home Mortgage can. We arrange St. George home loans through licensed partner brokers in Utah and coordinate each St. George file ourselves; our own license is California's (NMLS #2629064). Owner Esther Buede coordinates it personally, and we compare many lenders for it.
The 2026 conforming limit for a one-unit St. George home is $832,750 (Washington County, per FHFA). We start every St. George file by placing the price against that number, then handle the application, documents and updates by phone and online.
How St. George buyers reach closing in St. George.
St. George is Utah’s primary retirement and active-adult destination, driven by 300 sunny days, proximity to Zion and other national parks, and tax advantages; Washington County has grown faster than nearly any county in the Intermountain West, creating persistent new-construction demand not dependent on a single industry.
Those St. George realities set the strategy. In Washington County, a St. George one-unit purchase conforms up to 2026’s $832,750 baseline for St. George files. Most St. George purchases sit comfortably under that $832,750 line, keeping conventional, FHA, and retiree-purchase open for St. George buyers. St. George sits solidly middle-of-market as a price tier. Limits per FHFA 2026; verify your scenario with us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Some 76,000-plus people live in St. George — Little Valley, Entrada, and between — a short drive from Hurricane or Santa Clara. Our St. George picture runs street-level, Zion National Park nearby (St. George is the gateway) and all. St. George buyers reach us from Little Valley, Bloomington Hills, SunRiver, and Entrada — and from every block in between. “Mortgage broker near me” in St. George usually means the closest office — we skip the office and bring St. George-level help by phone and online instead. We work 19 cities across Utah; St. George gets the same discipline as all of them — verify the St. George numbers, then shop the loan.
What you get with a local broker.
St. George market knowledge
Near Zion National Park nearby (St. George is the gateway), across Little Valley, Bloomington Hills, SunRiver — we know St. George's neighborhoods, prices, and the programs that fit them.
First St. George home help
We open most St. George files with FHA, reverse mortgage, conventional, then layer in whatever down-payment help your St. George numbers qualify for.
Lenders shopped for you
Your St. George file gets shopped across many lenders — a broker working St. George, not one bank's sales desk.
Direct to the owner
In St. George you get the owner, Esther Buede, coordinating your file personally, with no queue for St. George files.
One name coordinating every St. George loan.
Every St. George file has one coordinator: owner Esther Buede (individual NMLS #2003644). She’ll know your St. George plans, Bloomington Hills or anywhere in St. George, and your name from the first call. Meet the family behind CHM →
“A very special lady. Esther took me by the hand and walked me thru each and every bump in the road.”
St. George financing that fits the home and the borrower.
St. George keeps us busy with FHA files — the draw of Zion National Park nearby (St. George is the gateway) doesn’t hurt. FHA, reverse mortgage, conventional carry most of our St. George work (via our licensed partner-broker network) — and beyond those, St. George buyers get the full menu: FHA, non-QM, conventional, and VA. Step in wherever you are — buying, exploring a refinance, or comparing — apply in minutes or call (949) 522-7310.
St. George files here lean on conventional, FHA, reverse mortgage, retiree-purchase.
Not every St. George file fits a W-2 box — 1099 and business-owner borrowers can qualify on bank-statement income. Want every unit count, not just single-family? Washington County’s 2026 loan limits page has the full table.
The same coverage rings St. George: Hurricane, Santa Clara, Ivins included. Browse our Utah service areas →
Choice Home Mortgage (California-licensed, NMLS #2629064) serves St. George, UT buyers through licensed partner brokers. Equal Housing Opportunity. St. George is served remotely — we keep no office there.
Real questions from St. George buyers.
What's the conforming cap on a St. George home loan?
In St. George, a one-unit home can carry a conforming loan of up to $832,750 for 2026, under FHFA's limit for Washington County. That is the national baseline with no high-cost adjustment, so a loan above $832,750 is a jumbo loan. A two-unit property in Washington County can borrow up to $1,066,250 and stay conforming.
Which programs fit St. George first-time buyers?
Conventional and FHA loans fit most first-time buyers in St. George, and the right one depends on your credit score and down payment. Some conventional programs accept 3% down from first-time buyers. HUD's 2026 FHA limit for one unit in Washington County is $607,200. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules.
What parts of St. George do you work in?
Every part of St. George, including Little Valley, Bloomington Hills, SunRiver and Entrada. Prices shift from street to street, and the appraisal follows recent nearby sales; the loan terms follow your credit, income and down payment. Licensed partner brokers originate loans across Little Valley and Entrada, and we coordinate them by phone and online.
Are you set up to arrange loans in St. George, UT?
Yes. St. George loans are arranged through licensed partner brokers in Utah, with Choice Home Mortgage coordinating the file. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no St. George office, so the application, documents and updates run by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
What if I'm buying just outside St. George?
Buying just outside St. George changes nothing on our side; we also arrange loans in Hurricane, Santa Clara and Ivins through licensed partner brokers. 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 St. George file.
How does the process run for a St. George buyer working with you?
A St. George buyer starts with one call to set the plan, then applies online, uploads documents and gets updates as the file moves. Licensed partner brokers cover the Utah 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.
Start your St. George loan today.
One call with the owner — local, honest, no pressure. We'll match the program to your St. George purchase and shop lenders for your St. George file.