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.
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. Per FHFA’s 2026 schedule — we’ll check your exact numbers.
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, on your file
Owner Esther Buede runs every Novi file herself — one expert from your first Novi call to your closing.
One expert, application to keys.
Owner Esther Buede (individual NMLS #2003644) personally runs each Novi file — Autumn Park or any Novi address — first call to keys, as she’s done since 2005. 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, refinancing, or comparing paths — apply in minutes or call (949) 522-7310.
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 — Farmington Hills, Livonia, Southfield all run the same play as Novi, with each county's own 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.