Livonia, MI
The straight path to a Livonia mortgage.
Your Livonia budget picks the program — FHA, down-payment-assistance, conventional — and we handle the Livonia lender legwork, whether you're eyeing Old Rosedale Gardens or beyond.
Who can help me get a mortgage in Livonia, MI?
Choice Home Mortgage can. We arrange Livonia home loans through licensed partner brokers in Michigan and coordinate each Livonia file ourselves; our own license is California's (NMLS #2629064). Owner Esther Buede coordinates it personally, and we compare many lenders for it.
For Livonia, FHFA's 2026 one-unit limit is $832,750 (Wayne County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
Livonia prices, programs, and the path through.
Livonia is Wayne County’s largest suburb by area, offering single-family subdivisions with stable municipal services and one of Michigan’s strongest school-district reputations; its position between Detroit and Ann Arbor creates durable demand from both corridors without either core’s volatility.
Every Livonia loan starts from that reality. The 2026 conforming number for Livonia buyers in Wayne County is $832,750 — the baseline every Livonia file starts from. Since typical Livonia prices stay under $832,750, a Livonia buyer keeps conventional, FHA, and down-payment-assistance all in play. Livonia itself prices solidly middle-of-market. FHFA publishes the 2026 schedule; we’ll square your numbers against it.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Livonia counts 95,000-plus residents, Old Rosedale Gardens to Blue Grass Farms, with Westland and Dearborn Heights close enough to house-hunt the same weekend. Livonia detail matters to us — the Livonia Civic Center and the streets that feed it included. Old Rosedale Gardens, Burton Hollow Estates, Elm Park, and Blue Grass Farms — we finance homes in each of them, and everywhere else Livonia reaches. Typing “broker near me” somewhere in Livonia? Phone and online is how Livonia files run here — the local read on Livonia comes with it. Livonia is one of 31 Michigan markets we cover, and every Michigan file gets the same treatment: real Livonia numbers first, then lenders competing on them.
Livonia deserves a real broker.
Livonia, block by block
We work Livonia street by street — Old Rosedale Gardens, Burton Hollow Estates, Elm Park and beyond — matching each neighborhood's prices to programs that fit.
Down-payment friendly
The Livonia starting lineup is usually FHA, down-payment-assistance, conventional; we add whichever down-payment help your Livonia budget is eligible for.
We shop; you choose
Many lenders bid on each Livonia file we bring them — Livonia buyers never shop one shelf.
Direct to the owner
The owner, Esther Buede, is who Livonia buyers talk to, and she coordinates the Livonia file with our licensed partner brokers.
One owner, coordinating your whole loan.
Every Livonia file has one coordinator: owner Esther Buede (individual NMLS #2003644). She’ll know your Livonia plans, Burton Hollow Estates or anywhere in Livonia, and your name from the first call. 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.”
Livonia financing that fits the home and the borrower.
Livonia’s pull — think the Livonia Civic Center — keeps FHA work coming. For Livonia we lean on FHA, down-payment-assistance, conventional through our licensed partner-broker network — but whatever fits your Livonia file, we shop it: FHA financing, conventional, non-QM, and VA. Jump in at any stage: buying, refinancing your mortgage, or just running numbers — start your application here or call (949) 522-7310.
The programs that come up most for Livonia buyers: conventional, FHA, down-payment-assistance.
Not every Livonia file fits a W-2 box — borrowers who work for themselves can qualify on bank-statement income. The full Wayne County 2026 loan-limit breakdown covers every unit count, not just the single-family line above.
The same coverage rings Livonia: Westland, Dearborn Heights, Southfield included. Every Michigan city we cover →
Livonia, MI buyers work with us through licensed partner brokers; Choice Home Mortgage is licensed in California (NMLS #2629064). Equal Housing Opportunity. No Livonia office — we work with Livonia buyers remotely.
Asked by Livonia buyers, answered here.
Is there a loan limit for Livonia purchases in 2026?
Yes. A conforming loan on a one-unit Livonia home can go up to $832,750 in 2026, which is FHFA's limit for Wayne County. That is the national baseline with no high-cost adjustment, so a loan above $832,750 is a jumbo loan. A two-unit property in Wayne County can borrow up to $1,066,250 and stay conforming.
How do first-time buyers usually finance a Livonia home?
First-time buyers in Livonia usually finance with conventional and FHA loans. Some conventional programs accept 3% down from first-time buyers. HUD's 2026 FHA limit for one unit in Wayne County is $541,287. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules.
What parts of Livonia do you work in?
Every part of Livonia, including Old Rosedale Gardens, Burton Hollow Estates, Elm Park and Blue Grass Farms. 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 Rosedale Gardens and Blue Grass Farms, and we coordinate them by phone and online.
Can Choice Home Mortgage help me buy in Livonia, MI?
Yes. Choice Home Mortgage helps Livonia buyers through licensed partner brokers in Michigan, and we coordinate the loan. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Livonia 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 Livonia too?
Yes. Our coverage goes past Livonia to Westland, Dearborn Heights and Southfield. 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 Livonia file.
How does the process run for a Livonia buyer working with you?
A Livonia 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.
Let's get you home in Livonia.
Tell us where in Livonia you're headed — the program match and the Livonia lender legwork are on us.