Southfield, MI
Your Southfield, MI mortgage, done right.
Conventional, FHA, and first-time-buyer paths for Southfield — clear guidance from pre-approval through closing.
Southfield home loans, the honest version.
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 market shapes the loan. In Oakland County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Southfield purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and FHA options on the table. Limits per FHFA 2026; verify your scenario with us.
We work Southfield from the ground up — close to the Southfield Town Center towers and Lawrence Technological University. We finance homes across Evergreen Hills, 9 Mile-Greenfield, Cranbrook Village, and Brookline Hills — and every other corner of Southfield. Looking for a mortgage broker near you in Southfield? 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.
Southfield market knowledge
Near the Southfield Town Center towers and Lawrence Technological University, across Evergreen Hills, 9 Mile-Greenfield, Cranbrook Village — we know Southfield's neighborhoods, prices, and the programs that fit them.
First-time & assistance
Southfield buyers often start with conventional, FHA — 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 Southfield file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your Southfield loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Southfield, 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 →
“This Duo is amazing. Esther helped with all of the loan documentation and made the whole process the best house buying experience we've ever had.”
Matched to your Southfield purchase, not a template.
For Southfield we lean on conventional, FHA 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 Southfield, we also help buyers in Farmington Hills, Royal Oak, Livonia. See all Michigan cities we serve →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Southfield, MI buyers through licensed partner brokers. Equal Housing Opportunity. We serve this area; we do not maintain a Southfield office.
Southfield mortgage questions, answered.
What's the 2026 conforming loan limit in Southfield?
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.
Which loan types work best in Southfield?
Most Southfield buyers use conventional or FHA financing; refinancing and move-up loans are common too. The right fit depends on your down payment and goals.
Which Southfield neighborhoods do you serve?
We serve buyers across Southfield, including Evergreen Hills, 9 Mile-Greenfield, Cranbrook Village. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Can Choice Home Mortgage help me buy in Southfield, MI?
Yes. We help Southfield 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 Southfield?
Yes — we also work with buyers in nearby Farmington Hills, Royal Oak, Livonia. Same process, local loan-limit details for each.
Let's finance your Southfield home.
One call with the owner — local, honest, no pressure. We'll tell you which program fits your Southfield purchase and shop the lenders for you.