Dearborn Heights, MI
First-time buying in Dearborn Heights, MI? Start here.
We put conventional, first-time-buyer, FHA to work for Dearborn Heights buyers — matched to your file, whether the address is Annapolis Park or anywhere else in Dearborn Heights.
Does Choice Home Mortgage work with Dearborn Heights, MI buyers?
Yes. Choice Home Mortgage arranges home loans for Dearborn Heights buyers through licensed partner brokers who cover Michigan. We are a family-owned broker, in business since 2005 and licensed in California (NMLS #2629064); a licensed partner broker handles the Dearborn Heights 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 Dearborn Heights home is $832,750 (Wayne County, per FHFA). We start every Dearborn Heights file by placing the price against that number, then handle the application, documents and updates by phone and online.
What financing a Dearborn Heights home really takes.
Dearborn Heights is a stable Wayne County suburb whose mid-century brick ranches, bungalows, and colonials offer Detroit-metro buyers square footage at prices well below regional medians; proximity to Ford’s Dearborn campus and Stellantis operations creates a durable automotive-sector buyer pipeline.
That’s the Dearborn Heights backdrop the loan has to fit. Dearborn Heights’s 2026 conforming ceiling is $832,750, the baseline figure Wayne County shares with most of the country. Under that $832,750 line — where most Dearborn Heights purchases sit — conventional, FHA, and VA all stay in play. Dearborn Heights sits entry-level as a price tier. Source: FHFA 2026 limits. We’ll verify your numbers.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Some 56,000-plus people live in Dearborn Heights — Annapolis Park, West Warren corridor, and between — a short drive from Taylor or Lincoln Park. Our Dearborn Heights knowledge is street-level — the area around the historic Warren Valley Golf Course included. From Annapolis Park, Parkland, Berwyn, and West Warren corridor to everywhere else on the Dearborn Heights map — the financing reaches all of it. Need a broker near you in Dearborn Heights? Everything runs by phone and online, so Dearborn Heights expertise comes straight to you. Dearborn Heights is one of 31 Michigan markets we cover, and every Michigan file gets the same treatment: real Dearborn Heights numbers first, then lenders competing on them.
The broker difference, Dearborn Heights edition.
Dearborn Heights market knowledge
Every Dearborn Heights neighborhood has its own math — Annapolis Park, Parkland, Berwyn included — and we read it street by street, the historic Warren Valley Golf Course and all.
Down-payment friendly
The Dearborn Heights starting lineup is usually conventional, first-time-buyer, FHA; we add whichever down-payment help your Dearborn Heights budget is eligible for.
Many lenders, one file
One Dearborn Heights application, many lenders competing on it — that's what a Dearborn Heights buyer hires a broker for.
The owner, coordinating
Esther Buede, the owner, coordinates your Dearborn Heights loan start to finish; our Google reviews show Dearborn Heights buyers why that matters.
Dearborn Heights files get the owner as coordinator.
In Dearborn Heights, owner Esther Buede (individual NMLS #2003644) coordinates your loan personally with our licensed partner brokers, from Parkland to every part of Dearborn Heights. Choice Home Mortgage has been closing loans since 2005. Meet the family behind CHM →
“Esther is amazing, very knowledgeable. She made the loan process fast and easy.”
Dearborn Heights financing that fits the home and the borrower.
Dearborn Heights’s pull — think the historic Warren Valley Golf Course — keeps conventional work coming. Most Dearborn Heights files start at conventional, first-time-buyer, FHA (via our licensed partner-broker network) and branch from there — every option gets a look: non-QM, VA, conventional, and FHA financing. Start where it suits you: buying, exploring a refinance, or testing the numbers — apply here or call (949) 522-7310.
Expect FHA, conventional, first-time-buyer, VA to carry most Dearborn Heights files.
Dearborn Heights borrowers who work for themselves get their own path here, qualifying on 1099 income instead of W-2s. Wayne County’s full 2026 loan limits by property type break down one- through four-unit ceilings if you want the complete picture.
And around Dearborn Heights: Taylor, Lincoln Park, Dearborn are all in reach. More Michigan cities we work in →
Dearborn Heights, MI buyers work with us through licensed partner brokers; Choice Home Mortgage is licensed in California (NMLS #2629064). Equal Housing Opportunity. Dearborn Heights is served remotely — we keep no office there.
Dearborn Heights questions we hear most.
How high can a conforming loan go in Dearborn Heights?
In Dearborn Heights, a one-unit home can carry a conforming loan of up to $832,750 for 2026, under FHFA's limit for Wayne 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 Wayne County can borrow up to $1,066,250 and stay conforming.
How do first-time buyers usually finance a Dearborn Heights home?
First-time buyers in Dearborn Heights usually finance with FHA, conventional and VA loans. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules. HUD's 2026 FHA limit for one unit in Wayne County is $541,287. Some conventional programs accept 3% down from first-time buyers.
Which Dearborn Heights neighborhoods do you serve?
We finance homes in every Dearborn Heights neighborhood, including Annapolis Park, Parkland, Berwyn and West Warren corridor. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. Licensed partner brokers originate loans across Annapolis Park and West Warren corridor, and we coordinate them by phone and online.
Can an out-of-state broker really cover Dearborn Heights, MI?
Yes, because a licensed partner broker in Michigan originates the Dearborn Heights loan while Choice Home Mortgage, licensed in California, coordinates it. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Dearborn Heights office, so the application, documents and updates run by phone and online.
What if I'm buying just outside Dearborn Heights?
Buying just outside Dearborn Heights changes nothing on our side; we also arrange loans in Taylor, Lincoln Park and Dearborn 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 Dearborn Heights file.
Do I ever need to visit an office for my Dearborn Heights loan?
No. A Dearborn Heights loan runs by phone and online, and Choice Home Mortgage has no local office to visit. Licensed partner brokers cover the Michigan licensing, while Choice Home Mortgage (California NMLS #2629064) coordinates the file and the lender shopping. Owner Esther Buede is your point of contact from the first call to closing.
Also serving homebuyers near Dearborn Heights
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