Lansing, MI
Lansing first homes, financed the smart way.
Lansing buyers get the full menu — conventional, FHA, first-time-buyer — fitted to the Lansing budget you actually have, Old Town Lansing included.
Who can help me get a mortgage in Lansing, MI?
Choice Home Mortgage can. We arrange Lansing home loans through licensed partner brokers in Michigan and coordinate each Lansing file ourselves; our own license is California's (NMLS #2629064). Owner Esther Buede coordinates it personally, and we compare many lenders for it.
For Lansing, FHFA's 2026 one-unit limit is $832,750 (Ingham County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
How Lansing buyers reach closing in Lansing.
Lansing is Michigan’s state capital, hosting state-government employment, a manufacturing legacy, and proximity to Michigan State University in East Lansing — a diversified public-sector and institutional base that stabilizes housing demand.
So the Lansing strategy starts with the market, not the rate sheet. Lansing’s 2026 conforming ceiling is $832,750, the baseline figure Ingham County shares with most of the country. Most Lansing purchases sit comfortably under that $832,750 line, keeping conventional, FHA, and first-time-buyer open for Lansing buyers. Lansing sits entry-level as a price tier. FHFA resets these limits each year; we verify before we quote.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Some 113,000-plus people live in Lansing — Old Town Lansing, Colonial Village, and between — a short drive from East Lansing or Battle Creek. Our Lansing knowledge is street-level — the area around the Michigan State Capitol included. Lansing buyers reach us from Old Town Lansing, REO Town, Downtown Lansing, and Colonial Village — and from every block in between. Need a broker near you in Lansing? Everything runs by phone and online, so Lansing expertise comes straight to you. Lansing is one of 31 Michigan markets we cover, and every Michigan file gets the same treatment: real Lansing numbers first, then lenders competing on them.
One file, many lenders, Lansing terms.
Lansing, block by block
Near the Michigan State Capitol, across Old Town Lansing, REO Town, Downtown Lansing — we know Lansing's neighborhoods, prices, and the programs that fit them.
Down-payment friendly
Lansing budgets get the full toolkit — conventional, FHA, first-time-buyer — plus every assistance program a Lansing file can claim.
Many lenders, one file
One Lansing application, many lenders competing on it — that's what a Lansing buyer hires a broker for.
Direct to the owner
Your Lansing file is coordinated by owner Esther Buede herself, and in Lansing or East Lansing hers is the name buyers recognize from our reviews.
The owner coordinates your file. Personally.
In Lansing, owner Esther Buede (individual NMLS #2003644) is the one coordinating your file, REO Town or anywhere on the Lansing map, first call through keys. Meet the family behind CHM →
“Painless and no hidden surprises. Choice Home Mortgage is a company I can trust.”
Programs shaped to Lansing price tags.
Lansing keeps us busy with conventional files — the draw of the Michigan State Capitol doesn’t hurt. Through licensed partner brokers, Lansing buyers lean on conventional, FHA, first-time-buyer most — and whatever else the Lansing numbers call for: FHA financing, VA, conventional, and non-QM. Any starting point works: buying, exploring a refinance, or simply exploring — apply here or call (949) 522-7310.
Lansing files here lean on FHA, first-time-buyer, conventional.
Lansing self-employed buyers get their own path here, qualifying on bank-statement income instead of W-2s. The full Ingham County 2026 loan-limit breakdown covers every unit count, not just the single-family line above.
Beyond Lansing itself, East Lansing, Battle Creek, Holt buyers work with us the same way. More Michigan cities we work in →
Working with Lansing, MI buyers through licensed partner brokers — Choice Home Mortgage, California-licensed, NMLS #2629064. Equal Housing Opportunity. We work with Lansing buyers remotely and maintain no Lansing office.
Before you buy in Lansing: the FAQs.
What counts as a conforming loan amount in Lansing?
The 2026 conforming loan limit for a one-unit home in Lansing is $832,750, the figure FHFA set for Ingham County. Ingham County uses the $832,750 national baseline, so a larger loan is a jumbo loan, which each lender prices and underwrites under its own rules. For two units, the Ingham County conforming limit is $1,066,250.
What's the usual first mortgage for a Lansing buyer?
For a first home in Lansing, the usual choices are FHA and conventional loans. 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 Ingham County is $541,287, per HUD. Some conventional programs accept 3% down from first-time buyers.
Are certain Lansing neighborhoods outside your coverage?
No. Every Lansing neighborhood is covered, Old Town Lansing, REO Town, Downtown Lansing and Colonial Village included. The neighborhood affects the appraisal, which compares recent nearby sales, but the loan terms come from your credit, income and down payment. Licensed partner brokers originate loans across Old Town Lansing and Colonial Village, and we coordinate them by phone and online.
Do you work with Lansing, MI buyers?
Yes. We work with Lansing buyers through licensed partner brokers who hold the Michigan license, and we coordinate each file. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Lansing office, so the application, documents and updates run by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
What about the towns just past the Lansing line?
We cover those too: East Lansing, Battle Creek and Holt are in our service area along with Lansing. 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 Lansing file.
How does the process run for a Lansing buyer working with you?
A Lansing buyer starts with one call to set the plan, then applies online, uploads documents and gets updates as the file moves. A licensed partner broker in Michigan originates the loan, and Choice Home Mortgage (California NMLS #2629064) coordinates it and compares many lenders. Owner Esther Buede is your point of contact from the first call to closing.
Your Lansing keys are the goal.
Straight answers on your Lansing options, and a broker shopping the whole market for Lansing buyers like you.