St. Louis, MO
Buy your first St. Louis, MO home with confidence.
FHA, down-payment-assistance, and first-time-buyer programs that fit St. Louis budgets. We walk you through every step.
How St. Louis buyers get to the closing table.
St. Louis is among the most structurally affordable major US cities, with prices well below the national average and neighborhoods ranging from restored 19th-century brick row homes to leafy park-adjacent districts. (St. Louis is an independent city, not part of a county.)
That market shapes the loan. In the St. Louis area, the 2026 one-unit conforming limit is the national baseline of $832,750. Most St. Louis 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 St. Louis from the ground up — close to the Gateway Arch. We finance homes across Soulard, Central West End, Lafayette Square, and Tower Grove — and every other corner of St. Louis. Looking for a mortgage broker near you in St. Louis? 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.
St. Louis market knowledge
Near the Gateway Arch, across Soulard, Central West End, Lafayette Square — we know St. Louis's neighborhoods, prices, and the programs that fit them.
First-time & assistance
St. Louis buyers often start with FHA, first-time-buyer, down-payment-assistance — 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 St. Louis file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your St. Louis loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In St. Louis, 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 →
“Closed in 8 days. I never knew a home refinance could happen so quickly and painlessly!”
St. Louis financing that fits the home and the borrower.
For St. Louis we lean on FHA, first-time-buyer, down-payment-assistance 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 St. Louis, we also help buyers in Florissant, St. Charles, Chesterfield. See all Missouri cities we serve →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps St. Louis, MO buyers through licensed partner brokers. Equal Housing Opportunity. We serve this area; we do not maintain a St. Louis office.
St. Louis mortgage questions, answered.
What's the 2026 conforming loan limit in St. Louis?
In the St. Louis 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.
What loans help first-time buyers in St. Louis?
FHA loans, down-payment-assistance, and first-time-buyer programs are common paths in St. Louis. We match you to the ones you qualify for.
Which St. Louis neighborhoods do you serve?
We serve buyers across St. Louis, including Soulard, Central West End, Lafayette Square. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Can Choice Home Mortgage help me buy in St. Louis, MO?
Yes. We help St. Louis homebuyers through licensed partner brokers. Choice Home Mortgage is licensed in California (NMLS #2629064); we coordinate MO financing for you.
Do you serve areas near St. Louis?
Yes — we also work with buyers in nearby Florissant, St. Charles, Chesterfield. Same process, local loan-limit details for each.
Let's finance your St. Louis home.
Straight answers on your St. Louis options, and a broker who shops the whole market so you don't have to.