Dearborn, MI
Buy your first Dearborn, MI home with confidence.
We fit the loan to your Dearborn plans — FHA, down-payment-assistance, conventional and more — walking Dearborn buyers through it, East Dearborn to closing day.
Does Choice Home Mortgage work with Dearborn, MI buyers?
Yes. Choice Home Mortgage arranges home loans for Dearborn 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 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 home is $832,750 (Wayne County, per FHFA). We start every Dearborn file by placing the price against that number, then handle the application, documents and updates by phone and online.
Inside the Dearborn mortgage market.
Dearborn is Ford Motor Company’s global headquarters city — an identity embedded through the River Rouge complex, the Dearborn Truck Plant, and the world headquarters — and holds the highest concentration of Arab Americans of any US city, a cohesive, economically active community with strong neighborhood commercial corridors driving durable demand.
The loan has to fit the Dearborn picture. Dearborn’s 2026 conforming ceiling is $832,750, the baseline figure Wayne County shares with most of the country. Since typical Dearborn prices stay under $832,750, a Dearborn buyer keeps conventional, FHA, and first-time-buyer all in play. Dearborn sits entry-level as a price tier. 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.
Call it 95,000-plus people: Dearborn runs from East Dearborn to Dearborn Hills, and Lincoln Park and Dearborn Heights sit just outside the line. Dearborn isn’t an abstraction to us — we know it down to The Henry Ford and Greenfield Village. From East Dearborn, West Dearborn, Fordson, and Dearborn Hills to everywhere else on the Dearborn map — the financing reaches all of it. Typing “broker near me” somewhere in Dearborn? Phone and online is how Dearborn files run here — the local read on Dearborn comes with it. Michigan coverage here spans 31 cities, Dearborn among them — each on its own county limits, each shopped the same way.
The broker difference, Dearborn edition.
Dearborn, block by block
From East Dearborn, West Dearborn, Fordson to The Henry Ford and Greenfield Village, we track what Dearborn homes really cost and which loans carry them.
First-time & assistance
FHA, down-payment-assistance, conventional carry most Dearborn purchases — and we check every assistance program a Dearborn file qualifies for.
We shop; you choose
Dearborn buyers bring us one file; we bring it to a market of lenders, and the competition does the rest.
Direct to the owner
The owner, Esther Buede, is who Dearborn buyers talk to, and she coordinates the Dearborn file with our licensed partner brokers.
The owner coordinates your file. Personally.
One coordinator, no queue: Esther Buede, the owner (individual NMLS #2003644), personally coordinates each Dearborn loan with our licensed partner brokers, from West Dearborn to the far side of Dearborn. Meet the family behind CHM →
“One of the best business interactions that I've ever had. Esther Buede made my loan application possible.”
Built around your Dearborn home, not a shelf product.
FHA work anchors our Dearborn lending, with The Henry Ford and Greenfield Village part of the pull. Most Dearborn files start at FHA, down-payment-assistance, conventional (via our licensed partner-broker network) and branch from there — every option gets a look: VA, non-QM, conventional, and FHA loans. Ready or just curious — buying, exploring a refinance, or running scenarios — apply online or call (949) 522-7310.
Dearborn buyers most often work with conventional, FHA, down-payment-assistance, first-time-buyer.
Self-employed in Dearborn? We also work with borrowers who work for themselves — bank-statement income included. Wayne County’s full 2026 loan limits by property type break down one- through four-unit ceilings if you want the complete picture.
Beyond Dearborn itself, Lincoln Park, Dearborn Heights, Detroit buyers work with us the same way. Browse our Michigan service areas →
For Dearborn, MI: financing arranged through licensed partner brokers, coordinated by Choice Home Mortgage, licensed in California (NMLS #2629064). Equal Housing Opportunity. We serve Dearborn remotely; there is no local Dearborn office.
Real questions from Dearborn buyers.
Where does the Dearborn conforming loan limit sit for 2026?
The 2026 conforming loan limit for a one-unit home in Dearborn is $832,750, the figure FHFA set for Wayne County. Wayne 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. For two units, the Wayne County conforming limit is $1,066,250.
What loans help first-time buyers in Dearborn?
First-time buyers in Dearborn most often use conventional and FHA loans. Some conventional programs accept 3% down from first-time buyers. An FHA loan on one unit in Wayne 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 Dearborn I'm buying?
No, not for the financing: we finance homes anywhere in Dearborn, including East Dearborn, West Dearborn, Fordson and Dearborn Hills. Prices shift from street to street, and the appraisal follows recent nearby sales; the loan terms follow your credit, income and down payment. The Wayne County conforming limit for one unit is $832,750 in 2026.
Can an out-of-state broker really cover Dearborn, MI?
Yes, because a licensed partner broker in Michigan originates the Dearborn loan while Choice Home Mortgage, licensed in California, 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.
What if I'm buying just outside Dearborn?
Buying just outside Dearborn changes nothing on our side; we also arrange loans in Lincoln Park, Dearborn Heights and Detroit 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 file.
What does the mortgage process look like from Dearborn?
From Dearborn, the whole mortgage process runs by phone and online: you apply online, upload documents and get updates as the loan moves. 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.
Buying near Dearborn? We cover that too
Let's finance your Dearborn home.
One call with the owner — local, honest, no pressure. We'll match the program to your Dearborn purchase and shop lenders for your Dearborn file.