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.
Who can help me get a mortgage in Ann Arbor, MI?
Choice Home Mortgage can. We arrange Ann Arbor home loans through licensed partner brokers in Michigan and coordinate each Ann Arbor file ourselves; our own license is California's (NMLS #2629064). Owner Esther Buede coordinates it personally, and we compare many lenders for it.
For Ann Arbor, FHFA's 2026 one-unit limit is $832,750 (Washtenaw County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
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. Ann Arbor itself prices above the national norm. Limits per FHFA 2026; verify your scenario with us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
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, coordinating
Your Ann Arbor file is coordinated by owner Esther Buede herself, and in Ann Arbor or Novi hers is the name buyers recognize from our reviews.
Your loan, one named coordinator.
In Ann Arbor, owner Esther Buede (individual NMLS #2003644) is the one coordinating 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, an FHA loan, and non-QM. Ready or just curious — buying, refinancing your mortgage, or running scenarios — begin online or call (949) 522-7310.
Expect conventional, jumbo, first-time-buyer to carry most Ann Arbor files.
Self-employed in Ann Arbor? We also work with 1099 and business-owner borrowers — bank-statement income included. Washtenaw County’s full 2026 loan limits by property type break down one- through four-unit ceilings if you want the complete picture.
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?
In Ann Arbor, a one-unit home can carry a conforming loan of up to $832,750 for 2026, under FHFA's limit for Washtenaw County. Washtenaw 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.
Are high-balance loans common on Ann Arbor purchases?
Washtenaw County has no high-balance tier, because its 2026 limit is the $832,750 national baseline; an Ann Arbor loan above that is jumbo. Putting more down keeps the loan at or under $832,750, which keeps it conforming. Licensed partner brokers originate the loan, and Choice Home Mortgage compares quotes from many lenders on your file.
Do you cover all of Ann Arbor?
Yes, we cover all of Ann Arbor, including Burns Park, Kerrytown, Old West Side and Water Hill. Prices shift from street to street, and the appraisal follows recent nearby sales; the loan terms follow your credit, income and down payment. For a one-unit home in Washtenaw County, the 2026 conforming limit is $832,750.
Are you set up to arrange loans in Ann Arbor, MI?
Yes. Ann Arbor loans are arranged through licensed partner brokers in Michigan, with Choice Home Mortgage coordinating the 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.
Can you help outside Ann Arbor too?
Yes. Our coverage goes past Ann Arbor to Novi, Westland and Livonia. 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 an Ann Arbor file.
What does the mortgage process look like from Ann Arbor?
From Ann Arbor, 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 Michigan originates the loan, and Choice Home Mortgage (California NMLS #2629064) coordinates it and compares many lenders.
Also serving homebuyers near Ann Arbor
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.