Tempe, AZ
Tempe, AZ home loans, coordinated 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.
Who can help me get a mortgage in Tempe, AZ?
Choice Home Mortgage can. We arrange Tempe home loans through licensed partner brokers in Arizona and coordinate each Tempe file ourselves; our own license is California's (NMLS #2629064). Owner Esther Buede coordinates it personally, and we compare many lenders for it.
For Tempe, FHFA's 2026 one-unit limit is $832,750 (Maricopa County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
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. As a market, Tempe 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.
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, coordinating
In Tempe you get the owner, Esther Buede, coordinating your file personally, with no queue for Tempe files.
Owner-coordinated, application to Tempe keys.
Owner Esther Buede (individual NMLS #2003644) personally coordinates each Tempe file, Broadmor or any Tempe address, first call to keys. 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.
Tempe buyers most often work with conventional, FHA, first-time-buyer.
Tempe self-employed buyers get their own path here, qualifying on bank-statement income instead of W-2s; Tempe investors have asset-based qualifying too. Maricopa County’s full 2026 loan limits by property type break down one- through four-unit ceilings if you want the complete picture. Tempe sits in Maricopa County — see how we work across Maricopa County as a whole.
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?
Yes. $832,750 is the 2026 conforming limit for a single-family home in Tempe, based on FHFA's figure for Maricopa 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 Maricopa County have a $1,066,250 conforming limit for 2026.
Do Tempe first-time buyers have good loan options?
Yes. First-time buyers in Tempe can choose from conventional and FHA loans, and down-payment assistance where they qualify. Some conventional programs accept 3% down from first-time buyers. HUD's 2026 FHA limit for one unit in Maricopa County is $557,750. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules.
Does it matter where in Tempe I'm buying?
No, not for the financing: we finance homes anywhere in Tempe, including Mill Avenue District, Broadmor, Mitchell Park and Kiwanis Park. The neighborhood affects the appraisal, which compares recent nearby sales, but the loan terms come from your credit, income and down payment. For a one-unit home in Maricopa County, the 2026 conforming limit is $832,750.
Can an out-of-state broker really cover Tempe, AZ?
Yes, because a licensed partner broker in Arizona originates the Tempe loan while Choice Home Mortgage, licensed in California, coordinates it. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Tempe office, so the application, documents and updates run by phone and online.
What if I'm buying just outside Tempe?
Buying just outside Tempe changes nothing on our side; we also arrange loans in Mesa, Scottsdale and Chandler 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 Tempe file.
How does the process run for a Tempe buyer working with you?
A Tempe 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 Arizona 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.
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.