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.
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. FHFA resets these limits each year; we verify before we quote.
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, on your file
Owner Esther Buede runs every Southfield file herself — one expert from your first Southfield call to your closing.
Owner-handled, application to Southfield keys.
Your Southfield loan gets the owner, not a queue: Esther Buede, licensed (individual NMLS #2003644), closing since 2005. One person, your whole Southfield loan — 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, FHA, and non-QM. Start when you’re ready: buying, refinancing, or just exploring — get started here or call (949) 522-7310.
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 — Farmington Hills, Royal Oak, Livonia are all in reach from Southfield. Same process; each area's own loan-limit details applied.
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.