Kentwood, MI
The straight path to a Kentwood mortgage.
Your Kentwood budget picks the program — conventional, FHA, first-time-buyer — and we handle the Kentwood lender legwork, whether you're eyeing Byron Center area or beyond.
Can Choice Home Mortgage help me buy a home in Kentwood, MI?
Yes. Choice Home Mortgage helps Kentwood buyers and homeowners through licensed partner brokers who handle the Michigan licensing, while we coordinate the Kentwood 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 Kentwood home is $832,750 (Kent County, per FHFA). We start every Kentwood file by placing the price against that number, then handle the application, documents and updates by phone and online.
The Kentwood market, read honestly.
Kentwood is the third-most-populated municipality in the Grand Rapids metro and the primary southeastern gateway to Grand Rapids, with the densest retail concentration outside downtown; as Grand Rapids grows on life sciences, furniture, and healthcare employment, Kentwood provides the closest suburban housing at a discount while sharing school-district options.
Financing follows that Kentwood math. A one-unit Kentwood purchase conforms to $832,750 in 2026 — the national baseline Kent County runs on. With Kentwood homes mostly under $832,750, conventional plus FHA plus down-payment-assistance all work on Kentwood files. Price-wise, Kentwood runs solidly middle-of-market. Source: FHFA 2026 limits. We’ll verify your numbers.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Kentwood counts 50,000-plus residents, Byron Center area to Kalamazoo Avenue corridor, with Wyoming and Grand Rapids close enough to house-hunt the same weekend. From Woodland Mall and the East Paris corridor outward, we treat Kentwood as home turf. Byron Center area, East Paris corridor, Breton Village, and Kalamazoo Avenue corridor — we finance homes in each of them, and everywhere else Kentwood reaches. From anywhere in Kentwood, the whole process runs by phone and online — local Kentwood market reads included, commute not required. Across Michigan, our coverage runs 31 cities deep — and in Kentwood, as everywhere, the county numbers get verified before anything is quoted.
What working with us looks like.
Local Kentwood insight
From Woodland Mall and the East Paris corridor across Byron Center area, East Paris corridor, Breton Village, we keep tabs on what Kentwood homes actually go for and which programs carry them.
Down-payment friendly
We open most Kentwood files with conventional, FHA, first-time-buyer, then layer in whatever down-payment help your Kentwood numbers qualify for.
Many lenders, one file
A Kentwood mortgage should be bid on. We take your Kentwood file to many lenders and let the best terms win.
The owner, coordinating
In Kentwood you get the owner, Esther Buede, coordinating your file personally, with no queue for Kentwood files.
One coordinator on the Kentwood file, start to keys.
Owner Esther Buede (individual NMLS #2003644) personally coordinates each Kentwood file, East Paris corridor or any Kentwood address, first call to keys. Meet the family behind CHM →
“Esther is amazing, very knowledgeable. She made the loan process fast and easy.”
Financing built around the Kentwood home you want.
Around Woodland Mall and the East Paris corridor, conventional remains the workhorse of Kentwood lending. Kentwood files most often land on conventional, FHA, first-time-buyer through our licensed partner-broker network — and past those, every Kentwood option gets shopped: conventional, VA, FHA financing, and non-QM. Step in wherever you are — buying, exploring a refinance, or comparing — apply in minutes or call (949) 522-7310.
The programs that come up most for Kentwood buyers: conventional, FHA, first-time-buyer, down-payment-assistance.
Kentwood 1099 and business-owner borrowers get their own path here, qualifying on 1099 income instead of W-2s. Kent County’s full 2026 loan limits by property type break down one- through four-unit ceilings if you want the complete picture.
Kentwood is the center, not the edge — Wyoming, Grand Rapids, Muskegon are covered too. Every Michigan city we cover →
Kentwood, MI buyers work with us through licensed partner brokers; Choice Home Mortgage is licensed in California (NMLS #2629064). Equal Housing Opportunity. We work with Kentwood buyers remotely and maintain no Kentwood office.
Straight answers for Kentwood buyers.
How high can a conforming loan go in Kentwood?
In Kentwood, a one-unit home can carry a conforming loan of up to $832,750 for 2026, under FHFA's limit for Kent 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 Kent County conforming limit is $1,066,250.
What loans help first-time buyers in Kentwood?
First-time buyers in Kentwood most often use conventional and FHA loans. Some conventional programs accept 3% down from first-time buyers. For FHA, the 2026 one-unit limit in Kent County is $541,287, per HUD. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules.
Do you cover all of Kentwood?
Yes, we cover all of Kentwood, including Byron Center area, East Paris corridor, Breton Village and Kalamazoo Avenue corridor. Prices shift from street to street, and the appraisal follows recent nearby sales; the loan terms follow your credit, income and down payment. FHFA's 2026 one-unit limit for Kent County is $832,750.
Are you set up to arrange loans in Kentwood, MI?
Yes. Kentwood loans are arranged through licensed partner brokers in Michigan, with Choice Home Mortgage coordinating the file. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Kentwood office, so the application, documents and updates run by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
Do you serve areas near Kentwood?
Yes. Besides Kentwood, we also arrange loans in Wyoming, Grand Rapids and Muskegon through licensed partner brokers. 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 Kentwood file.
What does the mortgage process look like from Kentwood?
From Kentwood, 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.
Your Kentwood keys are the goal.
Talk to the owner directly. We'll map the right loan for your Kentwood home and put lenders in competition for Kentwood business.