The Colony, TX
A better way to mortgage in The Colony, TX.
We put move-up, first-time-buyer, conventional to work for The Colony buyers — matched to your file, whether the address is Waterstone or anywhere else in The Colony.
Can Choice Home Mortgage help me buy a home in The Colony, TX?
Yes. Choice Home Mortgage helps The Colony buyers and homeowners through licensed partner brokers who handle the Texas licensing, while we coordinate the The Colony 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 The Colony home can carry a conforming loan of up to $832,750, the Denton County limit FHFA sets, and we check where your The Colony price falls before you write an offer. The whole process runs by phone and online.
The Colony prices, programs, and the path through.
The Colony occupies roughly 23 miles of Lewisville Lake shoreline across two peninsulas, an unusually distinctive waterfront character for a DFW suburb; the opening of Grandscape — a 433-acre mixed-use destination anchored by Nebraska Furniture Mart and the Cosm dome venue — has permanently elevated its commercial footprint and drawn sustained residential demand in northern Denton County.
The loan has to fit the The Colony picture. A one-unit The Colony purchase conforms to $832,750 in 2026 — the national baseline Denton County runs on. For the typical The Colony purchase, $832,750 is headroom, not a hurdle — The Colony files keep conventional, FHA, and first-time-buyer open. The Colony sits solidly middle-of-market as a price tier. Per FHFA’s 2026 schedule — we’ll check your exact numbers.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
From Waterstone over to The Tribute, The Colony’s 39,000-plus residents sit within minutes of Frisco and Lewisville. Grandscape to the The Colony line — that’s ground we know well. The Colony buyers reach us from Waterstone, Castle Hills South, Heritage Lakes, and The Tribute — and from every block in between. From anywhere in The Colony, the whole process runs by phone and online — local The Colony market reads included, commute not required. We work 83 cities across Texas; The Colony gets the same discipline as all of them — verify the The Colony numbers, then shop the loan.
One file, many lenders, The Colony terms.
The Colony market knowledge
Waterstone, Castle Hills South, Heritage Lakes, over to Grandscape — The Colony's pockets price differently, and the right program follows the pocket.
First The Colony home help
Move-up, first-time-buyer, conventional carry most The Colony purchases — and we check every assistance program a The Colony file qualifies for.
Lenders shopped for you
A The Colony mortgage should be bid on. We take your The Colony file to many lenders and let the best terms win.
The owner, coordinating
Owner Esther Buede coordinates your The Colony loan personally, the named expert The Colony clients would find praised across our Google reviews.
Your loan, one named coordinator.
In The Colony, owner Esther Buede (individual NMLS #2003644) coordinates your loan personally with our licensed partner brokers, from Castle Hills South to every part of The Colony. Choice Home Mortgage has been closing loans since 2005. Meet the family behind CHM →
“They did what our bank of 20+ years could not — refinanced 2 of our homes in record time. The Dynamic Duo!”
The right The Colony loan for your situation.
Demand around Grandscape keeps move-up activity steady in The Colony. The Colony work runs heaviest on move-up, first-time-buyer, conventional, arranged through our licensed partner-broker network — but the full menu stays open for The Colony files: conventional, VA, non-QM, and an FHA loan. Start where it suits you: buying, refinancing your mortgage, or testing the numbers — begin online or call (949) 522-7310.
The programs that come up most for The Colony buyers: conventional, move-up, first-time-buyer.
The Colony 1099 and business-owner borrowers get their own path here, qualifying on 1099 income instead of W-2s. Denton County’s 2026 conforming and FHA limits, by unit count are laid out in full if you’re comparing property types.
And around The Colony: Frisco, Lewisville, Dallas are all in reach. See all Texas cities we serve →
For The Colony, TX: financing arranged through licensed partner brokers, coordinated by Choice Home Mortgage, licensed in California (NMLS #2629064). Equal Housing Opportunity. We serve this area; we do not maintain a The Colony office.
The Colony questions we hear most.
How much can The Colony buyers borrow and stay conforming?
The 2026 conforming loan limit for a one-unit home in The Colony is $832,750, the figure FHFA set for Denton County. That is the national baseline with no high-cost adjustment, so a loan above $832,750 is a jumbo loan. A two-unit property in Denton County can borrow up to $1,066,250 and stay conforming.
As a first-time buyer in The Colony, 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 The Colony use most. Some conventional programs accept 3% down from first-time buyers. HUD's 2026 FHA limit for one unit in Denton County is $563,500. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules.
Are certain The Colony neighborhoods outside your coverage?
No. Every The Colony neighborhood is covered, Waterstone, Castle Hills South, Heritage Lakes and The Tribute included. Prices shift from street to street, and the appraisal follows recent nearby sales; the loan terms follow your credit, income and down payment. FHFA's 2026 one-unit limit for Denton County is $832,750.
Can an out-of-state broker really cover The Colony, TX?
Yes, because a licensed partner broker in Texas originates the The Colony loan while Choice Home Mortgage, licensed in California, coordinates it. 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.
What about the towns just past the The Colony line?
We cover those too: Frisco, Lewisville and Dallas are in our service area along with The Colony. Every address is checked against its own county's 2026 limit before we quote. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as a The Colony file.
How does the process run for a The Colony buyer working with you?
A The Colony buyer starts with one call to set the plan, then applies online, uploads documents and gets updates as the file moves. A licensed partner broker in Texas originates the loan, and Choice Home Mortgage (California NMLS #2629064) coordinates it and compares many lenders.
Also serving homebuyers near The Colony
Ready for your The Colony address?
No call center — just Esther. We'll find what fits your The Colony purchase and do the The Colony lender legwork.