Tyler, TX
A better way to mortgage in Tyler, TX.
We put FHA, VA, conventional to work for Tyler buyers — matched to your file, whether the address is Azalea District or anywhere else in Tyler.
Does Choice Home Mortgage work with Tyler, TX buyers?
Yes. Choice Home Mortgage arranges home loans for Tyler buyers through licensed partner brokers who cover Texas. We are a family-owned broker, in business since 2005 and licensed in California (NMLS #2629064); a licensed partner broker handles the Tyler loan while we coordinate it and compare many lenders for it, with owner Esther Buede as your point of contact.
The 2026 conforming limit for a one-unit Tyler home is $832,750 (Smith County, per FHFA). We start every Tyler file by placing the price against that number, then handle the application, documents and updates by phone and online.
Tyler home loans, the honest version.
Tyler is the commercial, medical, and cultural capital of East Texas, a regional-hub role that insulates it from single-employer boom-bust cycles; two major health systems and UT Tyler create a professional base sustaining mid- and upper-mid housing demand.
So the Tyler strategy starts with the market, not the rate sheet. In Smith County, a Tyler one-unit purchase conforms up to 2026’s $832,750 baseline for Tyler files. With Tyler homes mostly under $832,750, conventional plus FHA plus VA all work on Tyler files. Tyler’s price tier is 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.
Tyler holds 100,000-plus residents across pockets like Azalea District and Midtown Tyler, with Longview and Jacksonville right next door. We work Tyler from the ground up — close to the Tyler Rose Garden. Tyler buyers reach us from Azalea District, Brick Streets Historic District, Hollytree, and Midtown Tyler — and from every block in between. Typing “broker near me” somewhere in Tyler? Phone and online is how Tyler files run here — the local read on Tyler comes with it. Tyler is one of 83 Texas markets we cover, and every Texas file gets the same treatment: real Tyler numbers first, then lenders competing on them.
One file, many lenders, Tyler terms.
Tyler know-how
Near the Tyler Rose Garden, across Azalea District, Brick Streets Historic District, Hollytree — we know Tyler's neighborhoods, prices, and the programs that fit them.
First Tyler home help
Tyler buyers often start with FHA, VA, conventional — we match Tyler files to the down-payment and first-time programs they qualify for.
Lenders shopped for you
A Tyler mortgage should be bid on. We take your Tyler file to many lenders and let the best terms win.
Direct to the owner
In Tyler you get the owner, Esther Buede, coordinating your file personally, with no queue for Tyler files.
One owner, coordinating your whole loan.
In Tyler, owner Esther Buede (individual NMLS #2003644) is the one coordinating your file, Brick Streets Historic District or anywhere on the Tyler map, first call through keys. Meet the family behind CHM →
“I am a repeat customer. The service is spectacular.”
Tyler financing that fits the home and the borrower.
FHA work anchors our Tyler lending, with the Tyler Rose Garden part of the pull. Tyler work runs heaviest on FHA, VA, conventional, arranged through our licensed partner-broker network — but the full menu stays open for Tyler files: conventional, FHA, VA, and non-QM. Start where it suits you: buying, refinancing, or testing the numbers — apply in minutes or call (949) 522-7310.
Expect conventional, FHA, VA to carry most Tyler files.
Self-employed in Tyler? We also work with borrowers who work for themselves — bank-statement income included. Smith County’s full 2026 loan limits by property type break down one- through four-unit ceilings if you want the complete picture.
Close to Tyler, we also help buyers in Longview, Jacksonville, Kilgore. All our Texas coverage, city by city →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Tyler, TX buyers through licensed partner brokers. Equal Housing Opportunity. We work with Tyler buyers remotely and maintain no Tyler office.
Tyler mortgage questions, answered.
What's the conforming cap on a Tyler home loan?
A conforming loan on a one-unit Tyler home can go up to $832,750 in 2026, which is FHFA's limit for Smith County. Smith 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.
How do first-time buyers usually finance a Tyler home?
First-time buyers in Tyler usually finance with conventional, FHA and VA loans. Some conventional programs accept 3% down from first-time buyers. For FHA, the 2026 one-unit limit in Smith County is $541,287, per HUD. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules.
Are certain Tyler neighborhoods outside your coverage?
No. Every Tyler neighborhood is covered, Azalea District, Brick Streets Historic District, Hollytree and Midtown Tyler included. Prices shift from street to street, and the appraisal follows recent nearby sales; the loan terms follow your credit, income and down payment. The Smith County conforming limit for one unit is $832,750 in 2026.
I'm buying in Tyler, TX: can you handle it?
Yes. A licensed partner broker in Texas originates the Tyler loan, and Choice Home Mortgage 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.
Do you serve areas near Tyler?
Yes. Besides Tyler, we also arrange loans in Longview, Jacksonville and Kilgore through licensed partner brokers. 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 Tyler file.
How do we work together on a Tyler purchase?
We start with a call to map your Tyler purchase, then coordinate the application, documents and updates online. A licensed partner broker in Texas 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.
Next stop: your Tyler address.
Your Tyler plans, the owner's full attention, and a market of lenders shopped on your Tyler file's behalf.