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 13, 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 Southfield, a one-unit home can carry a conforming loan of up to $832,750 for 2026, under FHFA's limit for Oakland County. Oakland County uses the $832,750 national baseline, so a larger loan is a jumbo loan, which each lender prices and underwrites under its own rules.
What loans help first-time buyers in Southfield?
First-time buyers in Southfield most often use conventional and FHA loans. Some conventional programs accept 3% down from first-time buyers. HUD's 2026 FHA limit for one unit in Oakland County is $541,287. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules.
Which Southfield neighborhoods do you serve?
All of them, from Evergreen Hills to Brookline Hills; the rest of Southfield is covered too. The neighborhood affects the appraisal, which compares recent nearby sales, but the loan terms come from your credit, income and down payment. Licensed partner brokers originate loans across Evergreen Hills and Brookline Hills, and we coordinate them by phone and online.
Are you set up to arrange loans in Southfield, MI?
Yes. Southfield loans are arranged through licensed partner brokers in Michigan, with Choice Home Mortgage coordinating the file. 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.
Can you help outside Southfield too?
Yes. Our coverage goes past Southfield to Farmington Hills, Royal Oak and Livonia. 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 Southfield file.
How does the process run for a Southfield buyer working with you?
A Southfield buyer starts with one call to set the plan, then applies online, uploads documents and gets updates as the file moves. Licensed partner brokers cover the Michigan licensing, while Choice Home Mortgage (California NMLS #2629064) coordinates the file and the lender shopping. Owner Esther Buede is your point of contact from the first call to closing.
Beyond Southfield: nearby cities we work
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.