Flint, MI
Flint first homes, financed the smart way.
We put FHA, first-time-buyer, down-payment-assistance to work for Flint buyers — matched to your file, whether the address is Carriage Town or anywhere else in Flint.
Who can help me get a mortgage in Flint, MI?
Choice Home Mortgage can. We arrange Flint home loans through licensed partner brokers in Michigan and coordinate each Flint file ourselves; our own license is California's (NMLS #2629064). Owner Esther Buede coordinates it personally, and we compare many lenders for it.
For Flint, FHFA's 2026 one-unit limit is $832,750 (Genesee County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
Buying in Flint: the numbers that matter.
Flint’s home prices are among the lowest of any US city over 100,000 residents, giving buyers extraordinary purchasing power; ongoing redevelopment anchored by state investment and a university presence creates structural demand for affordable homeownership from buyers priced out of metro Detroit.
Financing follows that Flint math. Flint follows Genesee County’s national-baseline limit for 2026: $832,750 on a one-unit Flint home. With Flint homes mostly under $832,750, conventional plus FHA plus down-payment-assistance all work on Flint files. Flint itself prices entry-level. 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 99,000-plus people: Flint runs from Carriage Town to College Cultural, and Saginaw and Pontiac sit just outside the line. From the Flint Cultural Center outward, we treat Flint as home turf. Carriage Town, Mott Park, Civic Park, and College Cultural — we finance homes in each of them, and everywhere else Flint reaches. Need a broker near you in Flint? Everything runs by phone and online, so Flint expertise comes straight to you. Across Michigan, our coverage runs 31 cities deep — and in Flint, as everywhere, the county numbers get verified before anything is quoted.
What working with us looks like.
Flint know-how
We work Flint street by street — Carriage Town, Mott Park, Civic Park and beyond — matching each neighborhood's prices to programs that fit.
First Flint home help
Flint budgets get the full toolkit — FHA, first-time-buyer, down-payment-assistance — plus every assistance program a Flint file can claim.
We shop; you choose
We make lenders compete for Flint business instead of squeezing Flint buyers into a single bank's box.
Owner-coordinated
Owner Esther Buede coordinates every Flint file herself, one point of contact from your first Flint call to your closing.
One owner, coordinating your whole loan.
In Flint, owner Esther Buede (individual NMLS #2003644) coordinates your loan personally with our licensed partner brokers, from Mott Park to every part of Flint. Choice Home Mortgage has been closing loans since 2005. Meet the family behind CHM →
“They did what our bank of 20+ years could not — refinanced 2 of our homes in record time. The Dynamic Duo!”
The loan follows your Flint plan — not the reverse.
FHA work anchors our Flint lending, with the Flint Cultural Center part of the pull. Through licensed partner brokers, Flint buyers lean on FHA, first-time-buyer, down-payment-assistance most — and whatever else the Flint numbers call for: non-QM, VA, conventional, and FHA financing. Come in at your own pace — buying, refinancing your mortgage, or comparing paths — apply here or call (949) 522-7310.
For Flint, that usually means FHA, first-time-buyer, down-payment-assistance.
Self-employed in Flint? We also work with self-employed borrowers — 1099 income included. See Genesee County’s complete 2026 loan-limit table for the one- through four-unit numbers behind that figure.
Beyond Flint itself, Saginaw, Pontiac, Rochester Hills buyers work with us the same way. Every Michigan city we cover →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Flint, MI buyers through licensed partner brokers. Equal Housing Opportunity. No Flint office — we work with Flint buyers remotely.
Flint home-loan questions, straight answers.
How much can Flint buyers borrow and stay conforming?
$832,750 is the 2026 conforming limit for a single-family home in Flint, based on FHFA's figure for Genesee 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 Genesee County have a $1,066,250 conforming limit for 2026.
As a first-time buyer in Flint, where do I start?
Start by checking which of FHA and conventional loans you qualify for, since those are the loans first-time buyers in Flint use most. 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 Genesee County is $541,287, per HUD.
Do you cover all of Flint?
Yes, we cover all of Flint, including Carriage Town, Mott Park, Civic Park and College Cultural. Prices shift from street to street, and the appraisal follows recent nearby sales; the loan terms follow your credit, income and down payment. Licensed partner brokers originate loans across Carriage Town and College Cultural, and we coordinate them by phone and online.
I'm buying in Flint, MI: can you handle it?
Yes. A licensed partner broker in Michigan originates the Flint loan, and Choice Home Mortgage coordinates it. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Flint office, so the application, documents and updates run by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
Can you help outside Flint too?
Yes. Our coverage goes past Flint to Saginaw, Pontiac and Rochester Hills. 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 Flint file.
How do we work together on a Flint purchase?
We start with a call to map your Flint purchase, then coordinate the application, documents and updates online. 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.
Your Flint keys are the goal.
Your Flint plans, the owner's full attention, and a market of lenders shopped on your Flint file's behalf.