Detroit, MI
Buy your first Detroit, MI home with confidence.
FHA, down-payment-assistance, and first-time-buyer programs that fit Detroit budgets. We walk you through every step.
Inside the Detroit mortgage market.
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 market shapes the loan. In Wayne County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Detroit purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and first-time-buyer options on the table. Limits per FHFA 2026; verify your scenario with us.
We work Detroit from the ground up — close to the Renaissance Center on the Detroit riverfront. We finance homes across Midtown, Corktown, New Center, and Brush Park — and every other corner of Detroit. Looking for a mortgage broker near you in Detroit? We serve the area by phone and online, so you get a local-market broker without driving to an office.
What you get with a local broker.
Detroit market knowledge
Near the Renaissance Center on the Detroit riverfront, across Midtown, Corktown, New Center — we know Detroit's neighborhoods, prices, and the programs that fit them.
First-time & assistance
Detroit buyers often start with FHA, first-time-buyer, down-payment-assistance — we match you to the down-payment and first-time programs you qualify for.
Lenders shopped for you
As a broker we shop many lenders for your Detroit file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your Detroit loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Detroit, your loan is handled personally by owner Esther Buede — a licensed mortgage expert (individual NMLS #2003644) who has guided California families to the closing table since 2005. Not a call center, not a rotating cast — one expert who knows your file and your market. Meet the family behind CHM →
“A very special lady. Esther took me by the hand and walked me thru each and every bump in the road.”
Built around your Detroit home, not a shelf product.
For Detroit we lean on FHA, first-time-buyer, down-payment-assistance through our licensed partner-broker network — but whatever fits, we shop it: FHA, conventional, VA, and non-QM. Start when you’re ready: buying, refinancing, or just exploring — apply here or call (949) 522-7310.
Close to Detroit, we also help buyers in Dearborn, Lincoln Park, Royal Oak. See all Michigan cities we serve →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Detroit, MI buyers through licensed partner brokers. Equal Housing Opportunity. We serve this area; we do not maintain a Detroit office.
Detroit mortgage questions, answered.
What's the 2026 conforming loan limit in Detroit?
In Wayne County, the 2026 conforming loan limit is $832,750 for a single-family home, the national baseline. Limits per FHFA 2026; verify your scenario with us.
What loans help first-time buyers in Detroit?
FHA loans, down-payment-assistance, and first-time-buyer programs are common paths in Detroit. We match you to the ones you qualify for.
Which Detroit neighborhoods do you serve?
We serve buyers across Detroit, including Midtown, Corktown, New Center. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Can Choice Home Mortgage help me buy in Detroit, MI?
Yes. We help Detroit homebuyers through licensed partner brokers. Choice Home Mortgage is licensed in California (NMLS #2629064); we coordinate MI financing for you.
Do you serve areas near Detroit?
Yes — we also work with buyers in nearby Dearborn, Lincoln Park, Royal Oak. Same process, local loan-limit details for each.
Let's finance your Detroit home.
No call center — just Esther. We'll find the program that fits your Detroit purchase and do the lender legwork.