Detroit, MI
From renting in Detroit to owning in Detroit.
Detroit buyers get the full menu — down-payment-assistance, FHA, first-time-buyer — fitted to the Detroit budget you actually have, Midtown included.
Does Choice Home Mortgage work with Detroit, MI buyers?
Yes. Choice Home Mortgage arranges home loans for Detroit 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 Detroit loan while we coordinate it and compare many lenders for it, with owner Esther Buede as your point of contact.
For Detroit, FHFA's 2026 one-unit limit is $832,750 (Wayne County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
The Detroit market, read honestly.
Detroit has one of the lowest median home prices of any major US city, making it one of the most accessible markets in the country; neighborhood revitalization in Midtown and Corktown is drawing buyers from pricier metros.
That Detroit market shapes the loan. The 2026 conforming number for Detroit buyers in Wayne County is $832,750 — the baseline every Detroit file starts from. Detroit price points mostly stay under $832,750, which keeps conventional, FHA, and down-payment-assistance on the menu for Detroit buyers. Detroit sits entry-level as a price tier. Per FHFA’s 2026 schedule — we’ll check your exact numbers.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Some 688,000-plus people live in Detroit — Midtown, Brush Park, and between — a short drive from Dearborn or Lincoln Park. From the Renaissance Center on the Detroit riverfront outward, we treat Detroit as home turf. We finance homes across Midtown, Corktown, New Center, and Brush Park — and every other corner of Detroit. From anywhere in Detroit, the whole process runs by phone and online — local Detroit market reads included, commute not required. We work 31 cities across Michigan; Detroit gets the same discipline as all of them — verify the Detroit numbers, then shop the loan.
What working with us looks like.
Detroit, block by block
From the Renaissance Center on the Detroit riverfront across Midtown, Corktown, New Center, we keep tabs on what Detroit homes actually go for and which programs carry them.
First Detroit home help
Detroit buyers often start with down-payment-assistance, FHA, first-time-buyer — we match Detroit files to the down-payment and first-time programs they qualify for.
Many lenders, one file
Your Detroit file gets shopped across many lenders — a broker working Detroit, not one bank's sales desk.
Direct to the owner
Owner Esther Buede coordinates your Detroit loan personally, the named expert Detroit clients would find praised across our Google reviews.
Owner-coordinated, application to Detroit keys.
In Detroit, owner Esther Buede (individual NMLS #2003644) coordinates your loan personally with our licensed partner brokers, from Corktown to every part of Detroit. Choice Home Mortgage has been closing loans since 2005. Meet the family behind CHM →
“I am a repeat customer. The service is spectacular.”
The right Detroit loan for your situation.
Down-payment-assistance work anchors our Detroit lending, with the Renaissance Center on the Detroit riverfront part of the pull. Down-payment-assistance, FHA, first-time-buyer carry most of our Detroit work (via our licensed partner-broker network) — and beyond those, Detroit buyers get the full menu: VA, non-QM, an FHA loan, and conventional. Start where it suits you: buying, refinancing, or testing the numbers — apply in minutes or call (949) 522-7310.
The programs that come up most for Detroit buyers: FHA, first-time-buyer, down-payment-assistance.
Detroit borrowers who work for themselves get their own path here, qualifying on 1099 income instead of W-2s; Detroit investors have no-income investor financing too. The full Wayne County 2026 loan-limit breakdown covers every unit count, not just the single-family line above.
Beyond Detroit itself, Dearborn, Lincoln Park, Royal Oak buyers work with us the same way. Every Michigan city we cover →
Detroit, MI buyers work with us through licensed partner brokers; Choice Home Mortgage is licensed in California (NMLS #2629064). Equal Housing Opportunity. No Detroit office — we work with Detroit buyers remotely.
Detroit home-loan questions, straight answers.
How high can a conforming loan go in Detroit?
A conforming loan on a one-unit Detroit home can go up to $832,750 in 2026, which is 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. Two-unit homes in Wayne County have a $1,066,250 conforming limit for 2026.
What's the usual first mortgage for a Detroit buyer?
For a first home in Detroit, the usual choices are FHA and conventional loans. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules. For FHA, the 2026 one-unit limit in Wayne County is $541,287, per HUD. Some conventional programs accept 3% down from first-time buyers.
What parts of Detroit do you work in?
Every part of Detroit, including Midtown, Corktown, New Center and Brush Park. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. Wherever the address is, from Midtown to Brush Park, a licensed partner broker originates the loan and we coordinate it by phone and online.
Can Choice Home Mortgage help me buy in Detroit, MI?
Yes. Choice Home Mortgage helps Detroit buyers through licensed partner brokers in Michigan, and we coordinate the loan. 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.
Do you serve areas near Detroit?
Yes. Besides Detroit, we also arrange loans in Dearborn, Lincoln Park and Royal Oak through licensed partner brokers. 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 a Detroit file.
Do I ever need to visit an office for my Detroit loan?
No. A Detroit 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.
Beyond Detroit: nearby cities we work
Your Detroit keys are the goal.
Straight answers on your Detroit options, and a broker shopping the whole market for Detroit buyers like you.