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.
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. Per FHFA’s 2026 schedule — we’ll check your exact numbers.
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
The owner — Esther Buede — is who Detroit buyers actually talk to, first call to funded loan.
Owner-handled, application to Detroit keys.
In Detroit, your loan is handled personally by owner Esther Buede — a licensed expert (individual NMLS #2003644) guiding families — Corktown to all Detroit — to closing since 2005. Not a call center — one expert on your Detroit file. 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, FHA, and conventional. Start where it suits you: buying, refinancing, or testing the numbers — apply in minutes or call (949) 522-7310.
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 Detroit single-family loan conforms up to $832,750 in 2026 — Wayne County uses the national baseline. FHFA sets the figure; we'll place your Detroit numbers against it.
What's the usual first mortgage for a Detroit buyer?
For Detroit first-timers the workhorses are FHA, first-time-buyer, down-payment-assistance. We match Detroit buyers to the down-payment and first-time programs their file qualifies for.
What parts of Detroit do you work in?
No corner of Detroit is off the map: Midtown, Corktown, New Center, Brush Park, all covered. Pricing follows your Detroit file, not the street.
Can Choice Home Mortgage help me buy in Detroit, MI?
Your Detroit, MI loan is arranged through licensed partner brokers, with Choice Home Mortgage (California NMLS #2629064) coordinating the Detroit file and the lender shopping end to end.
Do you serve areas near Detroit?
Yes — Dearborn, Lincoln Park, Royal Oak are all in reach from Detroit. Same process; each area's own loan-limit details applied.
Do I ever need to visit an office for my Detroit loan?
From Detroit it's phone-and-online end to end — apply digitally, upload documents, get updates as they happen. Licensed partner brokers cover the MI licensing side; you never sit in a lobby.
Your Detroit keys are the goal.
Straight answers on your Detroit options, and a broker shopping the whole market for Detroit buyers like you.