Wichita Falls, TX
First-time buying in Wichita Falls, TX? Start here.
Your Wichita Falls budget picks the program — VA (primary), FHA, first-time-buyer — and we handle the Wichita Falls lender legwork, whether you're eyeing Tanglewood or beyond.
Can Choice Home Mortgage help me buy a home in Wichita Falls, TX?
Yes. Choice Home Mortgage helps Wichita Falls buyers and homeowners through licensed partner brokers who handle the Texas licensing, while we coordinate the Wichita Falls 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 Wichita Falls home can carry a conforming loan of up to $832,750, the Wichita County limit FHFA sets, and we check where your Wichita Falls price falls before you write an offer. The whole process runs by phone and online.
How Wichita Falls buyers reach closing in Wichita Falls.
Wichita Falls carries one of Texas’s lowest median prices among cities with a four-year university and a major military base; Sheppard Air Force Base’s permanent personnel and training pipeline create a recurring pool of VA-eligible buyers on predictable rotations.
That’s the Wichita Falls backdrop the loan has to fit. The 2026 conforming number for Wichita Falls buyers in Wichita County is $832,750 — the baseline every Wichita Falls file starts from. That $832,750 ceiling covers most Wichita Falls price points — conventional, FHA, first-time-buyer all stay on the Wichita Falls table. Price-wise, Wichita Falls runs entry-level. FHFA resets these limits each year; we verify before we quote.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Roughly 104,000-plus people call Wichita Falls home, spread from Tanglewood to West Floral Heights, with Burkburnett and Iowa Park minutes away. Wichita Falls isn’t an abstraction to us — we know it down to Sheppard Air Force Base. Whether the address is in Tanglewood, Sikes Estates, Fountain Park North, and West Floral Heights or another Wichita Falls pocket entirely, the financing follows. Looking for mortgage help near you in Wichita Falls? We coordinate Wichita Falls loans by phone and online with licensed partner brokers, so you get local-market help without driving anywhere. Texas coverage here spans 83 cities, Wichita Falls among them — each on its own county limits, each shopped the same way.
One file, many lenders, Wichita Falls terms.
Local Wichita Falls insight
Wichita Falls pricing shifts pocket by pocket — Tanglewood, Sikes Estates, Fountain Park North, near Sheppard Air Force Base — and the loan should match the pocket you pick.
Down-payment friendly
The Wichita Falls starting lineup is usually VA (primary), FHA, first-time-buyer; we add whichever down-payment help your Wichita Falls budget is eligible for.
Lenders shopped for you
Many lenders bid on each Wichita Falls file we bring them — Wichita Falls buyers never shop one shelf.
Direct to the owner
Esther Buede, the owner, coordinates your Wichita Falls loan start to finish; our Google reviews show Wichita Falls buyers why that matters.
One coordinator, application to keys.
Every Wichita Falls file has one coordinator: owner Esther Buede (individual NMLS #2003644). She’ll know your Wichita Falls plans, Sikes Estates or anywhere in Wichita Falls, and your name from the first call. Meet the family behind CHM →
“She was sincere. Got me processed and funded in 20 days. I felt taken care of every step of the way.”
Matched to your Wichita Falls purchase, not a template.
Around Sheppard Air Force Base, VA (primary) remains the workhorse of Wichita Falls lending. VA (primary), FHA, first-time-buyer carry most of our Wichita Falls work (via our licensed partner-broker network) — and beyond those, Wichita Falls buyers get the full menu: non-QM, FHA loans, VA, and conventional. Come in at your own pace — buying, refinancing your mortgage, or comparing paths — start your application here or call (949) 522-7310.
Wichita Falls files here lean on VA (primary), FHA, first-time-buyer.
Self-employed in Wichita Falls? We also work with self-employed borrowers — bank-statement income included. The full Wichita County 2026 loan-limit breakdown covers every unit count, not just the single-family line above.
Wichita Falls is the center, not the edge — Burkburnett, Iowa Park, Henrietta are covered too. Browse our Texas service areas →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Wichita Falls, TX buyers through licensed partner brokers. Equal Housing Opportunity. We serve Wichita Falls remotely; there is no local Wichita Falls office.
Wichita Falls home-loan questions, straight answers.
Is there a loan limit for Wichita Falls purchases in 2026?
Yes. A conforming loan on a one-unit Wichita Falls home can go up to $832,750 in 2026, which is FHFA's limit for Wichita 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 Wichita County can borrow up to $1,066,250 and stay conforming.
What's the usual first mortgage for a Wichita Falls buyer?
For a first home in Wichita Falls, the usual choices are VA, FHA and conventional loans. VA loans need no down payment for eligible veterans and service members. An FHA loan on one unit in Wichita County can go to $541,287 in 2026 (HUD). FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules.
Does it matter where in Wichita Falls I'm buying?
No, not for the financing: we finance homes anywhere in Wichita Falls, including Tanglewood, Sikes Estates, Fountain Park North and West Floral Heights. The neighborhood affects the appraisal, which compares recent nearby sales, but the loan terms come from your credit, income and down payment. The Wichita County conforming limit for one unit is $832,750 in 2026.
Can an out-of-state broker really cover Wichita Falls, TX?
Yes, because a licensed partner broker in Texas originates the Wichita Falls loan while Choice Home Mortgage, licensed in California, coordinates it. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Wichita Falls office, so the application, documents and updates run by phone and online.
Can you help outside Wichita Falls too?
Yes. Our coverage goes past Wichita Falls to Burkburnett, Iowa Park and Henrietta. 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 Wichita Falls file.
How does the process run for a Wichita Falls buyer working with you?
A Wichita Falls 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.
Start your Wichita Falls loan today.
One call with the owner — local, honest, no pressure. We'll match the program to your Wichita Falls purchase and shop lenders for your Wichita Falls file.