Tampa, FL
The straight path to a Tampa mortgage.
We fit the loan to your Tampa plans — conventional, FHA, first-time-buyer and more — walking Tampa buyers through it, Ybor City to closing day.
Can Choice Home Mortgage help me buy a home in Tampa, FL?
Yes. Choice Home Mortgage helps Tampa buyers and homeowners through licensed partner brokers who handle the Florida licensing, while we coordinate the Tampa 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 2026, a one-unit Tampa home can carry a conforming loan of up to $832,750, the Hillsborough County limit FHFA sets, and we check where your Tampa price falls before you write an offer. The whole process runs by phone and online.
Buying in Tampa: the numbers that matter.
Tampa pairs a dense downtown waterfront core with historically distinct urban neighborhoods, making it one of the Gulf Coast’s most structurally diverse markets by price tier and housing type.
The loan has to fit the Tampa picture. The 2026 conforming number for Tampa buyers in Hillsborough County is $832,750 — the baseline every Tampa file starts from. Tampa price points mostly stay under $832,750, which keeps conventional, FHA, and first-time-buyer on the menu for Tampa buyers. As a market, Tampa runs 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.
Some 352,000-plus people live in Tampa — Ybor City, Channelside, and between — a short drive from Clearwater or Pinellas Park. We work Tampa from the ground up — close to the Tampa Riverwalk on the Hillsborough River. We finance homes across Ybor City, Hyde Park, Seminole Heights, and Channelside — and every other corner of Tampa. Need a broker near you in Tampa? Everything runs by phone and online, so Tampa expertise comes straight to you. We work 73 cities across Florida; Tampa gets the same discipline as all of them — verify the Tampa numbers, then shop the loan.
What working with us looks like.
Tampa, block by block
Near the Tampa Riverwalk on the Hillsborough River, across Ybor City, Hyde Park, Seminole Heights — we know Tampa's neighborhoods, prices, and the programs that fit them.
First-time & assistance
Tampa buyers often start with conventional, FHA, first-time-buyer — we match Tampa files to the down-payment and first-time programs they qualify for.
Many lenders, one file
One Tampa application, many lenders competing on it — that's what a Tampa buyer hires a broker for.
Direct to the owner
In Tampa you get the owner, Esther Buede, coordinating your file personally, with no queue for Tampa files.
Your loan, one named coordinator.
Owner Esther Buede (individual NMLS #2003644) personally coordinates each Tampa file, Hyde Park or any Tampa address, first call to keys. Meet the family behind CHM →
“This Duo is amazing. Esther helped with all of the loan documentation and made the whole process the best house buying experience we've ever had.”
Financing built around the Tampa home you want.
Demand around the Tampa Riverwalk on the Hillsborough River keeps conventional activity steady in Tampa. Tampa work runs heaviest on conventional, FHA, first-time-buyer, arranged through our licensed partner-broker network — but the full menu stays open for Tampa files: an FHA loan, non-QM, conventional, and VA. Ready or just curious — buying, exploring a refinance, or running scenarios — apply in minutes or call (949) 522-7310.
Tampa buyers most often work with conventional, FHA, first-time-buyer.
Self-employed in Tampa? We also work with self-employed buyers — bank-statement income included, plus asset-based qualifying for Tampa investors. See Hillsborough County’s complete 2026 loan-limit table for the one- through four-unit numbers behind that figure.
Beyond Tampa itself, Clearwater, Pinellas Park, Largo buyers work with us the same way. See all Florida cities we serve →
Tampa, FL buyers work with us through licensed partner brokers; Choice Home Mortgage is licensed in California (NMLS #2629064). Equal Housing Opportunity. Tampa is served remotely — we keep no office there.
Before you buy in Tampa: the FAQs.
What's the conforming cap on a Tampa home loan?
$832,750 is the 2026 conforming limit for a single-family home in Tampa, based on FHFA's figure for Hillsborough County. That is the national baseline with no high-cost adjustment, so a loan above $832,750 is a jumbo loan. Two-unit homes in Hillsborough County have a $1,066,250 conforming limit for 2026.
As a first-time buyer in Tampa, where do I start?
Start by checking which of conventional and FHA loans you qualify for, since those are the loans first-time buyers in Tampa use most. Some conventional programs accept 3% down from first-time buyers. For FHA, the 2026 one-unit limit in Hillsborough County is $541,287, per HUD. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules.
Which Tampa neighborhoods do you serve?
We finance homes in every Tampa neighborhood, including Ybor City, Hyde Park, Seminole Heights and Channelside. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. Wherever the address is, from Ybor City to Channelside, a licensed partner broker originates the loan and we coordinate it by phone and online.
Are you set up to arrange loans in Tampa, FL?
Yes. Tampa loans are arranged through licensed partner brokers in Florida, with Choice Home Mortgage coordinating the file. Our own license is California's (NMLS #2629064); we keep no local office, and the file runs by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
Do you serve areas near Tampa?
Yes. Besides Tampa, we also arrange loans in Clearwater, Pinellas Park and Largo through licensed partner brokers. 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 Tampa file.
Do I ever need to visit an office for my Tampa loan?
No. A Tampa loan runs by phone and online, and Choice Home Mortgage has no local office to visit. Licensed partner brokers cover the Florida 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.
Let's get you home in Tampa.
Talk to the owner directly. We'll map the right loan for your Tampa home and put lenders in competition for Tampa business.