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.
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. FHFA 2026 figures; your scenario gets verified before anything else.
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-handled
Owner Esther Buede runs every Flint file herself — one expert from your first Flint call to your closing.
One owner, handling your whole loan.
In Flint, your loan is handled personally by owner Esther Buede — a licensed expert (individual NMLS #2003644) guiding families — Mott Park to all Flint — to closing since 2005. Not a call center — one expert on your Flint file. 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. Come in at your own pace — buying, refinancing, or comparing paths — apply here or call (949) 522-7310.
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?
The 2026 number covering Flint is $832,750 on a single-family home; above it, jumbo guidelines apply to Flint purchases. Per FHFA; confirm with us.
I'm a first-time buyer in Flint — where do I start?
FHA, first-time-buyer, down-payment-assistance do the heavy lifting for Flint first-timers. We sort which fit your numbers, plus any assistance your Flint file earns.
Do you cover all of Flint?
All of Flint — including Carriage Town, Mott Park, Civic Park, College Cultural. The financing follows you across Flint: the loan matches your Flint file, never the ZIP.
I'm buying in Flint, MI — can you handle it?
We're licensed in California (NMLS #2629064) and team with licensed partner brokers for MI, so a Flint buyer gets the same many-lenders shopping with the licensing handled properly.
Can you help outside Flint too?
Absolutely — Saginaw, Pontiac, Rochester Hills included. The Flint playbook travels; only the county numbers change.
How do we work together on a Flint purchase?
From Flint 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 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.