Pontiac, MI
Pontiac first homes, financed the smart way.
A Pontiac home within reach: first-time-buyer, 203k rehab, FHA — run against your real Pontiac numbers, Seminole Hills Historic District to the far side of Pontiac.
Can Choice Home Mortgage help me buy a home in Pontiac, MI?
Yes. Choice Home Mortgage helps Pontiac buyers and homeowners through licensed partner brokers who handle the Michigan licensing, while we coordinate the Pontiac 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 Pontiac home can carry a conforming loan of up to $832,750, the Oakland County limit FHFA sets, and we check where your Pontiac price falls before you write an offer. The whole process runs by phone and online.
Pontiac home loans, the honest version.
As the seat of one of Michigan’s wealthiest counties, Pontiac is structurally positioned for recovery investment — Oakland County is relocating hundreds of employees into downtown; its NRHP-listed historic neighborhoods hold some of southeastern Michigan’s most architecturally intact pre-Depression housing at prices well below neighboring Oakland County communities.
The loan has to fit the Pontiac picture. In Oakland County, a Pontiac one-unit purchase conforms up to 2026’s $832,750 baseline for Pontiac files. Pontiac price points mostly stay under $832,750, which keeps conventional, FHA, and 203k rehab on the menu for Pontiac buyers. Pontiac itself prices entry-level. The 2026 figures come from FHFA — your scenario gets checked, not assumed.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
59,000-plus residents make Pontiac home — across Seminole Hills Historic District, Indian Village, and between — with Rochester Hills and Troy nearby. Our Pontiac knowledge is street-level — the area around the historic Seminole Hills neighborhood included. Buyers come to us from Seminole Hills Historic District, Franklin Boulevard Historic District, Downtown Pontiac, and Indian Village, and from every other part of Pontiac. Need a broker near you in Pontiac? Everything runs by phone and online, so Pontiac expertise comes straight to you. Of the 31 Michigan cities we serve, Pontiac plays by its own numbers — that’s the point: the Pontiac file, not a state template.
What working with us looks like.
Pontiac market knowledge
Seminole Hills Historic District, Franklin Boulevard Historic District, Downtown Pontiac, over to the historic Seminole Hills neighborhood — Pontiac's pockets price differently, and the right program follows the pocket.
Down-payment friendly
Pontiac budgets get the full toolkit — first-time-buyer, 203k rehab, FHA — plus every assistance program a Pontiac file can claim.
Many lenders, one file
We make lenders compete for Pontiac business instead of squeezing Pontiac buyers into a single bank's box.
The owner, coordinating
Esther Buede, the owner, coordinates your Pontiac loan start to finish; our Google reviews show Pontiac buyers why that matters.
One coordinator, application to keys.
In Pontiac, owner Esther Buede (individual NMLS #2003644) coordinates your loan personally with our licensed partner brokers, from Franklin Boulevard Historic District to every part of Pontiac. Choice Home Mortgage has been closing loans since 2005. Meet the family behind CHM →
“Esther Buede was a breathe of fresh air to work with from starting to the finish line!”
Your Pontiac file decides the loan.
Pontiac’s pull — think the historic Seminole Hills neighborhood — keeps first-time-buyer work coming. Through licensed partner brokers, Pontiac buyers lean on first-time-buyer, 203k rehab, FHA most — and whatever else the Pontiac numbers call for: non-QM, FHA financing, VA, and conventional. Step in wherever you are — buying, exploring a refinance, or comparing — start your application here or call (949) 522-7310.
Expect FHA, first-time-buyer, 203k rehab, conventional to carry most Pontiac files.
Pontiac self-employed buyers get their own path here, qualifying on 1099 income instead of W-2s. Oakland County’s full 2026 loan limits by property type break down one- through four-unit ceilings if you want the complete picture.
The same coverage rings Pontiac: Rochester Hills, Troy, Farmington Hills included. More Michigan cities we work in →
For Pontiac, MI: financing arranged through licensed partner brokers, coordinated by Choice Home Mortgage, licensed in California (NMLS #2629064). Equal Housing Opportunity. We serve Pontiac remotely; there is no local Pontiac office.
Before you buy in Pontiac: the FAQs.
What's the conforming cap on a Pontiac home loan?
$832,750 is the 2026 conforming limit for a single-family home in Pontiac, based on FHFA's figure 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.
What loans help first-time buyers in Pontiac?
First-time buyers in Pontiac most often use 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 Oakland County is $541,287, per HUD. Some conventional programs accept 3% down from first-time buyers.
Are certain Pontiac neighborhoods outside your coverage?
No. Every Pontiac neighborhood is covered, Seminole Hills Historic District, Franklin Boulevard Historic District, Downtown Pontiac and Indian Village included. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. Licensed partner brokers originate loans across Seminole Hills Historic District and Indian Village, and we coordinate them by phone and online.
Do you work with Pontiac, MI buyers?
Yes. We work with Pontiac 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 Pontiac 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 Pontiac line?
We cover those too: Rochester Hills, Troy and Farmington Hills are in our service area along with Pontiac. Every address is checked against its own county's 2026 limit before we quote. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as a Pontiac file.
What does the mortgage process look like from Pontiac?
From Pontiac, the whole mortgage process runs by phone and online: you apply online, upload documents and get updates as the loan 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.
Ready for your Pontiac address?
One conversation, zero pressure — your Pontiac plan mapped and a market of lenders put to work on the Pontiac file.