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 13, 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?
A conforming loan on a one-unit Novi home can go up to $832,750 in 2026, which is FHFA's limit for Oakland 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 Oakland County conforming limit is $1,066,250.
Are high-balance loans common on Novi purchases?
Oakland County has no high-balance tier, because its 2026 limit is the $832,750 national baseline; a Novi loan above that is jumbo. A larger down payment can bring the loan back under $832,750 so it stays conforming. A licensed partner broker originates the loan while we compare those options across many lenders.
Can you finance a home anywhere in Novi?
Yes, anywhere in Novi, from Addington Park to Yorkshire Place. Prices shift from street to street, and the appraisal follows recent nearby sales; the loan terms follow your credit, income and down payment. Licensed partner brokers originate loans across Addington Park and Yorkshire Place, and we coordinate them by phone and online.
Can an out-of-state broker really cover Novi, MI?
Yes, because a licensed partner broker in Michigan originates the Novi loan while Choice Home Mortgage, licensed in California, coordinates it. Our own license is California's (NMLS #2629064); we keep no local office, and the file runs by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
What if I'm buying just outside Novi?
Buying just outside Novi changes nothing on our side; we also arrange loans in Farmington Hills, Livonia and Southfield 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 Novi file.
How do we work together on a Novi purchase?
We start with a call to map your Novi purchase, then coordinate the application, documents and updates online. 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.
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.