Southfield, MI
Southfield home financing, minus the runaround.
FHA, conventional programs sized to Southfield budgets — matched to your Southfield file, from Evergreen Hills to every corner of Southfield.
Does Choice Home Mortgage work with Southfield, MI buyers?
Yes. Choice Home Mortgage arranges home loans for Southfield buyers through licensed partner brokers who cover Michigan. We are a family-owned broker, in business since 2005 and licensed in California (NMLS #2629064); a licensed partner broker handles the Southfield loan while we coordinate it and compare many lenders for it, with owner Esther Buede as your point of contact.
The 2026 conforming limit for a one-unit Southfield home is $832,750 (Oakland County, per FHFA). We start every Southfield file by placing the price against that number, then handle the application, documents and updates by phone and online.
Buying in Southfield: the numbers that matter.
Southfield holds over 27 million square feet of office space — second only to Detroit — creating a rare suburban market where workers can live within a mile of their employer; its mid-century colonial and ranch stock offers Oakland County square footage well below Birmingham and Beverly Hills.
That’s the Southfield backdrop the loan has to fit. Southfield’s 2026 conforming ceiling is $832,750, the baseline figure Oakland County shares with most of the country. Under that $832,750 line — where most Southfield purchases sit — conventional, FHA, and first-time-buyer all stay in play. Southfield itself prices solidly middle-of-market. FHFA resets these limits each year; we verify before we quote.
2026 loan limits checked against FHFA’s county file; this page was last updated October 5, 2026.
Some 73,000-plus people live in Southfield — Evergreen Hills, Brookline Hills, and between — a short drive from Farmington Hills or Royal Oak. We work Southfield from the ground up — close to the Southfield Town Center towers and Lawrence Technological University. Name the Southfield neighborhood — Evergreen Hills, 9 Mile-Greenfield, Cranbrook Village, and Brookline Hills or beyond — and we finance there. Need a broker near you in Southfield? Everything runs by phone and online, so Southfield expertise comes straight to you. Southfield is one of 31 Michigan markets we cover, and every Michigan file gets the same treatment: real Southfield numbers first, then lenders competing on them.
Southfield deserves a real broker.
Southfield know-how
Every Southfield neighborhood has its own math — Evergreen Hills, 9 Mile-Greenfield, Cranbrook Village included — and we read it street by street, the Southfield Town Center towers and Lawrence Technological University and all.
First-time & assistance
We open most Southfield files with FHA, conventional, then layer in whatever down-payment help your Southfield numbers qualify for.
Lenders shopped for you
As a broker we put many lenders in competition for your Southfield file — not one bank's Southfield shelf.
The owner, coordinating
Your Southfield file is coordinated by owner Esther Buede herself, and in Southfield or Farmington Hills hers is the name buyers recognize from our reviews.
Owner-coordinated, application to Southfield keys.
Your Southfield loan gets the owner as its coordinator: Esther Buede (individual NMLS #2003644), working with licensed partner brokers from 9 Mile-Greenfield across the Southfield map. Meet the family behind CHM →
“They did what our bank of 20+ years could not — refinanced 2 of our homes in record time. The Dynamic Duo!”
Financing built around the Southfield home you want.
Between the Southfield Town Center towers and Lawrence Technological University and everything around it, Southfield FHA demand stays steady. FHA, conventional carry most of our Southfield work (via our licensed partner-broker network) — and beyond those, Southfield buyers get the full menu: VA, conventional, an FHA loan, and non-QM. Start when you’re ready: buying, refinancing, or just exploring — get started here or call (949) 522-7310.
Southfield files here lean on conventional, FHA.
Not every Southfield file fits a W-2 box — borrowers who work for themselves can qualify on 1099 income. See Oakland County’s complete 2026 loan-limit table for the one- through four-unit numbers behind that figure.
The same coverage rings Southfield: Farmington Hills, Royal Oak, Livonia included. Browse our Michigan service areas →
Choice Home Mortgage (California-licensed, NMLS #2629064) serves Southfield, MI buyers through licensed partner brokers. Equal Housing Opportunity. Southfield is served remotely — we keep no office there.
What Southfield buyers ask us first.
Where does the Southfield conforming loan limit sit for 2026?
In Oakland County, the 2026 single-family limit is $832,750; anything above that in Southfield is jumbo territory. FHFA sets it — we'll verify your Southfield case.
What loans help first-time buyers in Southfield?
Start with conventional, FHA — those carry most first Southfield purchases. We'll check what your Southfield file qualifies for, including any down-payment help, before you pick a lane.
Which Southfield neighborhoods do you serve?
All of Southfield — including Evergreen Hills, 9 Mile-Greenfield, Cranbrook Village, Brookline Hills. The financing follows you across Southfield: the loan matches your Southfield file, never the ZIP.
Are you set up to arrange loans in Southfield, MI?
Your Southfield, MI loan is arranged through licensed partner brokers, with Choice Home Mortgage (California NMLS #2629064) coordinating the Southfield file and the lender shopping end to end.
Can you help outside Southfield too?
Yes. Choice Home Mortgage also arranges loans in Farmington Hills, Royal Oak and Livonia through licensed partner brokers, handling those files the same way as Southfield ones and checking each county's 2026 limit separately.
How does the process run for a Southfield buyer working with you?
From Southfield it's phone-and-online end to end — apply digitally, upload documents, get updates as they happen. Licensed partner brokers cover the MI licensing side; you never sit in a lobby.
Your Southfield keys are the goal.
Tell us where in Southfield you're headed — the program match and the Southfield lender legwork are on us.