Farmington Hills, MI
Serious Farmington Hills homes, financing to match.
From Franklin Oaks across Farmington Hills, higher price points meet financing built for them — high-balance, jumbo, move-up — matched to your Farmington Hills file.
Can Choice Home Mortgage help me buy a home in Farmington Hills, MI?
Yes. Choice Home Mortgage helps Farmington Hills buyers and homeowners through licensed partner brokers who handle the Michigan licensing, while we coordinate the Farmington Hills file and compare many lenders for it. We are a family-owned broker licensed in California (NMLS #2629064), and owner Esther Buede coordinates your loan from the first call to closing.
The 2026 conforming limit for a one-unit Farmington Hills home is $832,750 (Oakland County, per FHFA). We start every Farmington Hills file by placing the price against that number, then handle the application, documents and updates by phone and online.
What financing a Farmington Hills home really takes.
Farmington Hills is the second-largest community in Oakland County, 22 miles from downtown Detroit along I-696/US-24, the affluent northwestern anchor of the metro’s suburban ring with demand from automotive executives and healthcare professionals; Oakland County’s top per-capita income and schools are structural.
The loan has to fit the Farmington Hills picture. In Oakland County, a Farmington Hills one-unit purchase conforms up to 2026’s $832,750 baseline for Farmington Hills files. For the typical Farmington Hills purchase, $832,750 is headroom, not a hurdle — Farmington Hills files keep conventional, FHA, and first-time-buyer open. As a market, Farmington Hills runs above the national norm. FHFA sets these limits annually; run your scenario by us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
From Franklin Oaks over to Botsford Hills, Farmington Hills’s 81,000-plus residents sit within minutes of Southfield and Novi. Our Farmington Hills picture runs street-level, the Holocaust Memorial Center and all. Name the Farmington Hills neighborhood — Franklin Oaks, Ramblewood, Quaker Valley Farms, and Botsford Hills or beyond — and we finance there. Farmington Hills buyers reach us in one call; the loan runs online from there, with the Farmington Hills market knowledge built in. Across Michigan, our coverage runs 31 cities deep — and in Farmington Hills, as everywhere, the county numbers get verified before anything is quoted.
Farmington Hills deserves a real broker.
Farmington Hills, block by block
Franklin Oaks, Ramblewood, Quaker Valley Farms — every Farmington Hills pocket prices its own way, and the blocks near the Holocaust Memorial Center prove it. We match the program to the pocket.
Bigger-loan ready
Price tags in Farmington Hills sit above the national norm, so we build conventional, jumbo for upper tier strategies sized to Farmington Hills.
Many lenders, one file
Farmington Hills loans here go to whichever lender earns them — we shop the Farmington Hills file wide.
Owner-coordinated
Owner Esther Buede coordinates your Farmington Hills loan personally, the named expert Farmington Hills clients would find praised across our Google reviews.
Farmington Hills files get the owner as coordinator.
Owner Esther Buede (individual NMLS #2003644) personally coordinates each Farmington Hills file, Ramblewood or any Farmington Hills address, first call to keys. 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 Farmington Hills home, not a shelf product.
Conventional work anchors our Farmington Hills lending, with the Holocaust Memorial Center part of the pull. Conventional, jumbo for upper tier carry most of our Farmington Hills work (via our licensed partner-broker network) — and beyond those, Farmington Hills buyers get the full menu: conventional, VA, an FHA loan, and non-QM. Whenever you’re ready — buying, exploring a refinance, or still weighing options — apply online or call (949) 522-7310.
Farmington Hills buyers most often work with conventional, jumbo for upper tier.
Not every Farmington Hills file fits a W-2 box — self-employed buyers can qualify on bank-statement income. Oakland County’s full 2026 loan limits by property type break down one- through four-unit ceilings if you want the complete picture.
Close to Farmington Hills, we also help buyers in Southfield, Novi, Livonia. All our Michigan coverage, city by city →
Licensed in California (NMLS #2629064), Choice Home Mortgage helps Farmington Hills, MI buyers through licensed partner brokers. Equal Housing Opportunity. Farmington Hills is served remotely — we keep no office there.
Real questions from Farmington Hills buyers.
How high can a conforming loan go in Farmington Hills?
$832,750 is the 2026 conforming limit for a single-family home in Farmington Hills, based on FHFA's figure for Oakland County. That is the national baseline with no high-cost adjustment, so a loan above $832,750 is a jumbo loan. For two units, the Oakland County conforming limit is $1,066,250.
What happens when a Farmington Hills price beats the loan limit?
When the loan amount, not the price, goes above $832,750, a Farmington Hills purchase moves from a conforming loan to a jumbo loan. A larger down payment can bring the loan back under $832,750 so it stays conforming. A licensed partner broker originates the loan while we compare those options across many lenders.
Can you finance a home anywhere in Farmington Hills?
Yes, anywhere in Farmington Hills, from Franklin Oaks to Botsford Hills. 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 Franklin Oaks and Botsford Hills, and we coordinate them by phone and online.
Can Choice Home Mortgage help me buy in Farmington Hills, MI?
Yes. Choice Home Mortgage helps Farmington Hills buyers through licensed partner brokers in Michigan, and we coordinate the loan. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Farmington Hills office, so the application, documents and updates run by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
I'm shopping Farmington Hills and the next town over: is that covered?
Yes. You can compare homes in Farmington Hills with Southfield, Novi and Livonia on one file. 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 Farmington Hills file.
What does the mortgage process look like from Farmington Hills?
From Farmington Hills, 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.
Farmington Hills neighbors we also serve
Your Farmington Hills keys are the goal.
The owner picks up, your Farmington Hills numbers get real, and lenders start competing for the Farmington Hills business.