St. Louis, MO
Your first St. Louis home, within reach.
Your St. Louis purchase, financed on your terms — down-payment-assistance, FHA, first-time-buyer — with the St. Louis legwork handled from Soulard on out.
Can Choice Home Mortgage help me buy a home in St. Louis, MO?
Yes. Choice Home Mortgage helps St. Louis buyers and homeowners through licensed partner brokers who handle the Missouri licensing, while we coordinate the St. Louis file and compare many lenders for it. We are a family-owned broker licensed in California (NMLS #2629064), and owner Esther Buede coordinates your loan from the first call to closing.
For St. Louis, FHFA's 2026 one-unit limit is $832,750 (the St. Louis area), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
What it costs to buy in St. Louis — and how to finance it.
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’s the St. Louis backdrop the loan has to fit. 2026 gives St. Louis buyers a $832,750 conforming cap on one-unit homes — the St. Louis area sits at the national baseline. Most St. Louis purchases sit comfortably under that $832,750 line, keeping conventional, FHA, and down-payment-assistance open for St. Louis buyers. St. Louis itself prices entry-level. 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 5, 2026.
From Soulard over to Tower Grove, St. Louis’s 318,000-plus residents sit within minutes of Florissant and St. Charles. We can talk St. Louis down to the blocks around the Gateway Arch. Soulard, Central West End, Lafayette Square, and Tower Grove — we finance homes in each of them, and everywhere else St. Louis reaches. “Mortgage broker near me” in St. Louis usually means the closest office — we skip the office and bring St. Louis-level help by phone and online instead. We work 16 cities across Missouri; St. Louis gets the same discipline as all of them — verify the St. Louis numbers, then shop the loan.
What working with us looks like.
Local St. Louis insight
From the Gateway Arch across Soulard, Central West End, Lafayette Square, we keep tabs on what St. Louis homes actually go for and which programs carry them.
Down-payment friendly
St. Louis budgets get the full toolkit — down-payment-assistance, FHA, first-time-buyer — plus every assistance program a St. Louis file can claim.
We shop; you choose
As a broker we put many lenders in competition for your St. Louis file — not one bank's St. Louis shelf.
The owner, coordinating
Your St. Louis file is coordinated by owner Esther Buede herself, and in St. Louis or Florissant hers is the name buyers recognize from our reviews.
St. Louis's file, coordinated by the owner.
Owner Esther Buede (individual NMLS #2003644) personally coordinates each St. Louis file, Central West End or any St. Louis address, first call to keys. Meet the family behind CHM →
“She was sincere. Got me processed and funded in 20 days. I felt taken care of every step of the way.”
Financing built around the St. Louis home you want.
Demand around the Gateway Arch keeps down-payment-assistance activity steady in St. Louis. Most St. Louis files start at down-payment-assistance, FHA, first-time-buyer (via our licensed partner-broker network) and branch from there — every option gets a look: FHA loans, non-QM, conventional, and VA. Start where it suits you: buying, exploring a refinance, or testing the numbers — begin online or call (949) 522-7310.
Expect FHA, first-time-buyer, down-payment-assistance to carry most St. Louis files.
Not every St. Louis file fits a W-2 box — self-employed borrowers can qualify on 1099 income, and St. Louis investors can lean on DSCR investor loans.
And around St. Louis: Florissant, St. Charles, Chesterfield are all in reach. Every Missouri city we cover →
Choice Home Mortgage (California-licensed, NMLS #2629064) serves St. Louis, MO buyers through licensed partner brokers. Equal Housing Opportunity. We serve St. Louis remotely; there is no local St. Louis office.
St. Louis mortgage questions, answered.
Is there a loan limit for St. Louis purchases in 2026?
Think $832,750 for St. Louis in 2026. The St. Louis area follows the FHFA baseline, so a bigger St. Louis loan means jumbo guidelines — we'll map your scenario either way.
How do first-time buyers usually finance a St. Louis home?
St. Louis first-timers usually land on FHA, first-time-buyer, down-payment-assistance. We run the numbers on each for your St. Louis budget and flag any assistance programs your file can claim.
What parts of St. Louis do you work in?
Soulard, Central West End, Lafayette Square, Tower Grove — and the rest of St. Louis with them. We finance across the whole St. Louis map; the loan terms come from your file.
Do you work with St. Louis, MO buyers?
Yes. We help St. Louis, MO homebuyers through licensed partner brokers — Choice Home Mortgage is California-licensed (NMLS #2629064) and coordinates St. Louis financing end to end.
Do you serve areas near St. Louis?
Yes. We cover Florissant, St. Charles and Chesterfield as well as St. Louis, through the same licensed partner brokers. The steps are the same, by phone and online, and each area's county loan limit is confirmed separately.
Do I ever need to visit an office for my St. Louis loan?
Simple: one call to map the St. Louis plan, then documents and updates online. Licensed partner brokers handle MO licensing while your St. Louis loan gets shopped — start to close, remotely.
Make the St. Louis move.
Tell us about the St. Louis home you want — we'll match the program and make lenders compete for your St. Louis loan.