Tucson, AZ
Buy your first Tucson, AZ home with confidence.
We fit the loan to your Tucson plans — VA, FHA, first-time-buyer and more — walking Tucson buyers through it, Sam Hughes to closing day.
Who can help me get a mortgage in Tucson, AZ?
Choice Home Mortgage can. We arrange Tucson home loans through licensed partner brokers in Arizona and coordinate each Tucson file ourselves; our own license is California's (NMLS #2629064). Owner Esther Buede coordinates it personally, and we compare many lenders for it.
For Tucson, FHFA's 2026 one-unit limit is $832,750 (Pima County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
Inside the Tucson mortgage market.
Tucson offers attainable Southwest homeownership anchored by the University of Arizona and Davis-Monthan Air Force Base, which sustain consistent demand across buyer segments.
Those Tucson realities set the strategy. Tucson follows Pima County’s national-baseline limit for 2026: $832,750 on a one-unit Tucson home. Tucson price points mostly stay under $832,750, which keeps conventional, FHA, and down-payment-assistance on the menu for Tucson buyers. Tucson sits entry-level as a price tier. 2026 limits published by FHFA — confirm your exact scenario with us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Call it 526,000-plus people: Tucson runs from Sam Hughes to Catalina Foothills, and Oro Valley and Marana sit just outside the line. Tucson detail matters to us — the Santa Catalina Mountains and Saguaro National Park and the streets that feed it included. Tucson buyers reach us from Sam Hughes, Armory Park, Barrio Viejo, and Catalina Foothills — and from every block in between. Tucson buyers reach us in one call; the loan runs online from there, with the Tucson market knowledge built in. Arizona coverage here spans 25 cities, Tucson among them — each on its own county limits, each shopped the same way.
Tucson deserves a real broker.
Tucson know-how
From the Santa Catalina Mountains and Saguaro National Park across Sam Hughes, Armory Park, Barrio Viejo, we keep tabs on what Tucson homes actually go for and which programs carry them.
First-time & assistance
Tucson budgets get the full toolkit — VA, FHA, first-time-buyer — plus every assistance program a Tucson file can claim.
We shop; you choose
A Tucson mortgage should be bid on. We take your Tucson file to many lenders and let the best terms win.
Direct to the owner
Owner Esther Buede coordinates every Tucson file herself, one point of contact from your first Tucson call to your closing.
One coordinator, application to keys.
Owner Esther Buede (individual NMLS #2003644) personally coordinates each Tucson file, Armory Park or any Tucson address, first call to keys. Meet the family behind CHM →
“Closed in 8 days. I never knew a home refinance could happen so quickly and painlessly!”
The right Tucson loan for your situation.
Near the Santa Catalina Mountains and Saguaro National Park, VA files are a Tucson staple for us. VA, FHA, first-time-buyer carry most of our Tucson work (via our licensed partner-broker network) — and beyond those, Tucson buyers get the full menu: an FHA loan, conventional, non-QM, and VA. Jump in at any stage: buying, refinancing, or just running numbers — apply here or call (949) 522-7310.
Tucson buyers most often work with FHA, first-time-buyer, VA, down-payment-assistance.
Not every Tucson file fits a W-2 box — 1099 and business-owner borrowers can qualify on 1099 income, and Tucson investors can lean on bridge financing. Pima County’s full 2026 loan limits by property type break down one- through four-unit ceilings if you want the complete picture.
Close to Tucson, we also help buyers in Oro Valley, Marana, Flowing Wells. Browse our Arizona service areas →
Working with Tucson, AZ buyers through licensed partner brokers — Choice Home Mortgage, California-licensed, NMLS #2629064. Equal Housing Opportunity. We serve Tucson remotely; there is no local Tucson office.
Real questions from Tucson buyers.
What's the conforming cap on a Tucson home loan?
A conforming loan on a one-unit Tucson home can go up to $832,750 in 2026, which is FHFA's limit for Pima County. Pima County uses the $832,750 national baseline, so a larger loan is a jumbo loan, which each lender prices and underwrites under its own rules.
As a first-time buyer in Tucson, where do I start?
Start by checking which of FHA, VA and conventional loans you qualify for, since those are the loans first-time buyers in Tucson use most. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules. For FHA, the 2026 one-unit limit in Pima County is $541,287, per HUD.
Do you cover all of Tucson?
Yes, we cover all of Tucson, including Sam Hughes, Armory Park, Barrio Viejo and Catalina Foothills. The neighborhood affects the appraisal, which compares recent nearby sales, but the loan terms come from your credit, income and down payment. The Pima County conforming limit for one unit is $832,750 in 2026.
Do you work with Tucson, AZ buyers?
Yes. We work with Tucson buyers through licensed partner brokers who hold the Arizona license, and we coordinate each 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.
What if I'm buying just outside Tucson?
Buying just outside Tucson changes nothing on our side; we also arrange loans in Oro Valley, Marana and Flowing Wells through licensed partner brokers. Loan limits are set county by county, so the limit is re-checked for whichever town the home is in. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as a Tucson file.
What does the mortgage process look like from Tucson?
From Tucson, the whole mortgage process runs by phone and online: you apply online, upload documents and get updates as the loan moves. A licensed partner broker in Arizona originates the loan, and Choice Home Mortgage (California NMLS #2629064) coordinates it and compares many lenders. Owner Esther Buede is your point of contact from the first call to closing.
Start your Tucson loan today.
Tell us about the Tucson home you want — we'll match the program and make lenders compete for your Tucson loan.