Tempe, AZ
Tempe, AZ home loans, handled by the owner.
A Tempe home within reach: conventional, FHA, first-time-buyer — run against your real Tempe numbers, Mill Avenue District to the far side of Tempe.
The Tempe market, read honestly.
Arizona State University’s large Tempe campus creates a structural floor of rental and purchase demand, while Tempe’s position equidistant from Phoenix, Scottsdale, and Chandler job centers on the light-rail spine compounds commuter-driven ownership pressure.
Every Tempe loan starts from that reality. Tempe’s 2026 conforming ceiling is $832,750, the baseline figure Maricopa County shares with most of the country. For the typical Tempe purchase, $832,750 is headroom, not a hurdle — Tempe files keep conventional, FHA, and first-time-buyer open. FHFA 2026 figures; your scenario gets verified before anything else.
Call it 168,000-plus people: Tempe runs from Mill Avenue District to Kiwanis Park, and Mesa and Scottsdale sit just outside the line. From ASU Gammage (a Frank Lloyd Wright design) outward, we treat Tempe as home turf. From Mill Avenue District, Broadmor, Mitchell Park, and Kiwanis Park to everywhere else on the Tempe map — the financing reaches all of it. From anywhere in Tempe, the whole process runs by phone and online — local Tempe market reads included, commute not required. Of the 25 Arizona cities we serve, Tempe plays by its own numbers — that’s the point: the Tempe file, not a state template.
What you get with a local broker.
Tempe market knowledge
From Mill Avenue District, Broadmor, Mitchell Park to ASU Gammage (a Frank Lloyd Wright design), we track what Tempe homes really cost and which loans carry them.
First-time & assistance
Tempe budgets get the full toolkit — conventional, FHA, first-time-buyer — plus every assistance program a Tempe file can claim.
Lenders shopped for you
Many lenders bid on each Tempe file we bring them — Tempe buyers never shop one shelf.
The owner, on your file
Owner Esther Buede runs every Tempe file herself — one expert from your first Tempe call to your closing.
Owner-handled, application to Tempe keys.
Owner Esther Buede (individual NMLS #2003644) personally runs each Tempe file — Broadmor or any Tempe address — first call to keys, as she’s done since 2005. Meet the family behind CHM →
“Painless and no hidden surprises. Choice Home Mortgage is a company I can trust.”
Built around your Tempe home, not a shelf product.
Around ASU Gammage (a Frank Lloyd Wright design), conventional remains the workhorse of Tempe lending. For Tempe we lean on conventional, FHA, first-time-buyer through our licensed partner-broker network — but whatever fits your Tempe file, we shop it: VA, FHA, conventional, and non-QM. Start when you’re ready: buying, refinancing, or just exploring — start your application here or call (949) 522-7310.
And around Tempe: Mesa, Scottsdale, Chandler are all in reach. All our Arizona coverage, city by city →
Working with Tempe, AZ buyers through licensed partner brokers — Choice Home Mortgage, California-licensed, NMLS #2629064. Equal Housing Opportunity. No Tempe office — we work with Tempe buyers remotely.
Before you buy in Tempe: the FAQs.
Is there a loan limit for Tempe purchases in 2026?
A Tempe single-family loan conforms up to $832,750 in 2026 — Maricopa County uses the national baseline. FHFA sets the figure; we'll place your Tempe numbers against it.
Do Tempe first-time buyers have good loan options?
For Tempe first-timers the workhorses are conventional, FHA, first-time-buyer. We match Tempe buyers to the down-payment and first-time programs their file qualifies for.
Does it matter where in Tempe I'm buying?
Anywhere in Tempe works — Mill Avenue District, Broadmor, Mitchell Park, Kiwanis Park and every block between. The Tempe address changes the comps, not how hard your file gets shopped.
Can an out-of-state broker really cover Tempe, AZ?
Through licensed partner brokers, yes — we quarterback the Tempe, AZ process (California NMLS #2629064) while your Tempe file gets shopped across many lenders.
What if I'm buying just outside Tempe?
Yes — shop Tempe against Mesa, Scottsdale, Chandler freely; we re-run the limit math for whichever side of the line you buy on.
How does the process run for a Tempe buyer working with you?
From Tempe it's phone-and-online end to end — apply digitally, upload documents, get updates as they happen. Licensed partner brokers cover the AZ licensing side; you never sit in a lobby.
Your Tempe keys are the goal.
Your Tempe plans, the owner's full attention, and a market of lenders shopped on your Tempe file's behalf.