Ann Arbor, MI
Ann Arbor, MI home loans, sized for the market.
The right Ann Arbor loan respects Ann Arbor prices — high-balance, jumbo, refinance — structured for Burns Park and every Ann Arbor block from day one.
What it costs to buy in Ann Arbor — and how to finance it.
Ann Arbor is dominated by the University of Michigan and U-M Health — by far the largest area employer — producing one of Michigan’s highest-priced and most stable markets, with demand from faculty, researchers, and a deep knowledge economy.
Financing follows that Ann Arbor math. The 2026 conforming number for Ann Arbor buyers in Washtenaw County is $832,750 — the baseline every Ann Arbor file starts from. Under that $832,750 line — where most Ann Arbor purchases sit — conventional, FHA, and first-time-buyer all stay in play. Limits per FHFA 2026; verify your scenario with us.
Call it 117,000-plus people: Ann Arbor runs from Burns Park to Water Hill, and Novi and Westland sit just outside the line. Ask us about Ann Arbor blocks near Michigan Stadium (the Big House) and UM — that’s the level we work at. We finance homes across Burns Park, Kerrytown, Old West Side, and Water Hill — and every other corner of Ann Arbor. Typing “broker near me” somewhere in Ann Arbor? Phone and online is how Ann Arbor files run here — the local read on Ann Arbor comes with it. Across Michigan, our coverage runs 31 cities deep — and in Ann Arbor, as everywhere, the county numbers get verified before anything is quoted.
One file, many lenders, Ann Arbor terms.
Ann Arbor market knowledge
We know where Ann Arbor values run hot — Burns Park, Kerrytown, Old West Side, out to Michigan Stadium (the Big House) and UM — and which programs fit each pocket.
Move-up & jumbo ready
Jumbo, first-time-buyer, conventional — that's the Ann Arbor toolkit, because Ann Arbor prices above the national norm and the financing keeps up.
Lenders shopped for you
An Ann Arbor mortgage should be bid on. We take your Ann Arbor file to many lenders and let the best terms win.
The owner, on your file
In Ann Arbor you get the owner, Esther Buede, personally — no queue for Ann Arbor files, and the Ann Arbor attention shows in our reviews.
Your loan, one named expert.
Owner Esther Buede (individual NMLS #2003644) has closed loans since 2005, and in Ann Arbor she’s the one on your file — Kerrytown or anywhere on the Ann Arbor map, first call through keys. Meet the family behind CHM →
“Esther is amazing, very knowledgeable. She made the loan process fast and easy.”
Matched to your Ann Arbor purchase, not a template.
Near Michigan Stadium (the Big House) and UM, jumbo files are an Ann Arbor staple for us. Ann Arbor work runs heaviest on jumbo, first-time-buyer, conventional, arranged through our licensed partner-broker network — but the full menu stays open for Ann Arbor files: VA, conventional, FHA, and non-QM. Ready or just curious — buying, refinancing, or running scenarios — begin online or call (949) 522-7310.
And around Ann Arbor: Novi, Westland, Livonia are all in reach. Browse our Michigan service areas →
Choice Home Mortgage (California-licensed, NMLS #2629064) serves Ann Arbor, MI buyers through licensed partner brokers. Equal Housing Opportunity. Ann Arbor is served remotely — we keep no office there.
Ann Arbor questions we hear most.
What's the 2026 conforming loan limit in Ann Arbor?
For Ann Arbor buyers, conforming runs to $832,750 in 2026; beyond that an Ann Arbor purchase shops jumbo. FHFA figures — we'll verify yours.
Are high-balance loans common on Ann Arbor purchases?
It's common. Ann Arbor price points regularly call for jumbo or high-balance structure, so we size the Ann Arbor loan to the contract and put the right lenders in competition for it.
Do you cover all of Ann Arbor?
No corner of Ann Arbor is off the map: Burns Park, Kerrytown, Old West Side, Water Hill, all covered. Pricing follows your Ann Arbor file, not the street.
Are you set up to arrange loans in Ann Arbor, MI?
Yes. We help Ann Arbor, MI homebuyers through licensed partner brokers — Choice Home Mortgage is California-licensed (NMLS #2629064) and coordinates Ann Arbor financing end to end.
Can you help outside Ann Arbor too?
Yes — shop Ann Arbor against Novi, Westland, Livonia freely; we re-run the limit math for whichever side of the line you buy on.
What does the mortgage process look like from Ann Arbor?
Everything runs by phone and online: application, documents, updates. We coordinate your Ann Arbor purchase with our licensed partner brokers handling the MI side — no office visit involved.
Your Ann Arbor home is a call away.
Tell us about the Ann Arbor home you want — we'll match the program and make lenders compete for your Ann Arbor loan.