Pontiac, MI
Buy your first Pontiac, MI home with confidence.
FHA, down-payment-assistance, and first-time-buyer programs that fit Pontiac budgets. We walk you through every step.
How Pontiac buyers get to the closing table.
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.
That market shapes the loan. In Oakland County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Pontiac purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and first-time-buyer options on the table. Limits per FHFA 2026; verify your scenario with us.
We work Pontiac from the ground up — close to the historic Seminole Hills neighborhood. We finance homes across Seminole Hills Historic District, Franklin Boulevard Historic District, Downtown Pontiac, and Indian Village — and every other corner of Pontiac. Looking for a mortgage broker near you in Pontiac? We serve the area by phone and online, so you get a local-market broker without driving to an office.
What you get with a local broker.
Pontiac market knowledge
Near the historic Seminole Hills neighborhood, across Seminole Hills Historic District, Franklin Boulevard Historic District, Downtown Pontiac — we know Pontiac's neighborhoods, prices, and the programs that fit them.
First-time & assistance
Pontiac buyers often start with FHA, first-time-buyer, 203k rehab — we match you to the down-payment and first-time programs you qualify for.
Lenders shopped for you
As a broker we shop many lenders for your Pontiac file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your Pontiac loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Pontiac, your loan is handled personally by owner Esther Buede — a licensed mortgage expert (individual NMLS #2003644) who has guided California families to the closing table since 2005. Not a call center, not a rotating cast — one expert who knows your file and your market. 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.”
Pontiac financing that fits the home and the borrower.
For Pontiac we lean on FHA, first-time-buyer, 203k rehab through our licensed partner-broker network — but whatever fits, we shop it: FHA, conventional, VA, and non-QM. Start when you’re ready: buying, refinancing, or just exploring — apply here or call (949) 522-7310.
Close to Pontiac, we also help buyers in Rochester Hills, Troy, Farmington Hills. See all Michigan cities we serve →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Pontiac, MI buyers through licensed partner brokers. Equal Housing Opportunity. We serve this area; we do not maintain a Pontiac office.
Pontiac mortgage questions, answered.
What's the 2026 conforming loan limit in Pontiac?
In Oakland County, the 2026 conforming loan limit is $832,750 for a single-family home, the national baseline. Limits per FHFA 2026; verify your scenario with us.
What loans help first-time buyers in Pontiac?
FHA loans, down-payment-assistance, and first-time-buyer programs are common paths in Pontiac. We match you to the ones you qualify for.
Which Pontiac neighborhoods do you serve?
We serve buyers across Pontiac, including Seminole Hills Historic District, Franklin Boulevard Historic District, Downtown Pontiac. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Can Choice Home Mortgage help me buy in Pontiac, MI?
Yes. We help Pontiac homebuyers through licensed partner brokers. Choice Home Mortgage is licensed in California (NMLS #2629064); we coordinate MI financing for you.
Do you serve areas near Pontiac?
Yes — we also work with buyers in nearby Rochester Hills, Troy, Farmington Hills. Same process, local loan-limit details for each.
Let's finance your Pontiac home.
Straight answers on your Pontiac options, and a broker who shops the whole market so you don't have to.