Novi, MI
Novi, MI financing that matches Novi prices.
From jumbo to move-up money, Novi loans get built around real Novi price tags — Addington Park included, template excluded.
Can Choice Home Mortgage help me buy a home in Novi, MI?
Yes. Choice Home Mortgage helps Novi buyers and homeowners through licensed partner brokers who handle the Michigan licensing, while we coordinate the Novi 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.
For 2026, a one-unit Novi home can carry a conforming loan of up to $832,750, the Oakland County limit FHFA sets, and we check where your Novi price falls before you write an offer. The whole process runs by phone and online.
What financing a Novi home really takes.
Novi is one of Oakland County’s most affluent suburbs, with high household incomes and consistently high public-school rankings; its position near the I-96/I-275 interchange provides quick access to Detroit’s automotive and tech corporate corridor, including Auburn Hills and Troy.
Those Novi realities set the strategy. In Oakland County, a Novi one-unit purchase conforms up to 2026’s $832,750 baseline for Novi files. That $832,750 ceiling covers most Novi price points — conventional, FHA, move-up all stay on the Novi table. Price-wise, Novi runs above the national norm. Per FHFA’s 2026 schedule — we’ll check your exact numbers.
2026 loan limits checked against FHFA’s county file; this page was last updated October 5, 2026.
Some 57,000-plus people live in Novi — Addington Park, Yorkshire Place, and between — a short drive from Farmington Hills or Livonia. Novi isn’t an abstraction to us — we know it down to Twelve Oaks Mall. We finance homes across Addington Park, Autumn Park, Deer Run, and Yorkshire Place — and every other corner of Novi. Need a broker near you in Novi? Everything runs by phone and online, so Novi expertise comes straight to you. Across Michigan, our coverage runs 31 cities deep — and in Novi, as everywhere, the county numbers get verified before anything is quoted.
What you get with a local broker.
Novi know-how
We know where Novi values run hot — Addington Park, Autumn Park, Deer Run, out to Twelve Oaks Mall — and which programs fit each pocket.
Bigger-loan ready
Novi price tags run past the national norm, and the Novi financing — conventional, move-up, jumbo for upper tier — is sized to match.
Many lenders, one file
Novi buyers bring us one file; we bring it to a market of lenders, and the competition does the rest.
The owner, coordinating
Owner Esther Buede coordinates every Novi file herself, one point of contact from your first Novi call to your closing.
One coordinator, application to keys.
Owner Esther Buede (individual NMLS #2003644) personally coordinates each Novi file, Autumn Park or any Novi address, first call to keys. Meet the family behind CHM →
“I am a repeat customer. The service is spectacular.”
Financing built around the Novi home you want.
Demand around Twelve Oaks Mall keeps conventional activity steady in Novi. Conventional, move-up, jumbo for upper tier carry most of our Novi work (via our licensed partner-broker network) — and beyond those, Novi buyers get the full menu: FHA, VA, non-QM, and conventional. Come in at your own pace — buying, exploring a refinance, or comparing paths — apply in minutes or call (949) 522-7310.
Novi buyers most often work with conventional, move-up, jumbo for upper tier.
Novi self-employed buyers get their own path here, qualifying on 1099 income instead of W-2s. Want every unit count, not just single-family? Oakland County’s 2026 loan limits page has the full table.
Close to Novi, we also help buyers in Farmington Hills, Livonia, Southfield. See all Michigan cities we serve →
For Novi, MI: financing arranged through licensed partner brokers, coordinated by Choice Home Mortgage, licensed in California (NMLS #2629064). Equal Housing Opportunity. We serve this area; we do not maintain a Novi office.
Novi questions we hear most.
What loan size keeps a Novi mortgage conforming?
$832,750 is the 2026 line for Novi: at or under it, a Novi loan stays conforming; over it, jumbo rules take the file. Per FHFA — we'll confirm yours.
Are high-balance loans common on Novi purchases?
Many Novi deals do cross into jumbo territory. The move on a Novi purchase is knowing where it sits against the limit — then shopping lenders built for that range.
Can you finance a home anywhere in Novi?
Every corner of Novi, from Addington Park, Autumn Park, Deer Run, Yorkshire Place on out. A Novi loan prices off your file, not the neighborhood.
Can an out-of-state broker really cover Novi, MI?
We do — via licensed partner brokers. We're California-licensed (NMLS #2629064) and quarterback the Novi, MI file so Novi buyers still get many lenders shopped.
What if I'm buying just outside Novi?
Covered. Homes in Farmington Hills, Livonia and Southfield get the same treatment as Novi files, arranged through licensed partner brokers, with each county's 2026 limit checked before anything is quoted.
How do we work together on a Novi purchase?
Everything runs by phone and online: application, documents, updates. We coordinate your Novi purchase with our licensed partner brokers handling the MI side — no office visit involved.
Next stop: your Novi address.
Your Novi plans, the owner's full attention, and a market of lenders shopped on your Novi file's behalf.