Sterling Heights, MI
Buy your first Sterling Heights, MI home with confidence.
A Sterling Heights home within reach: first-time-buyer, FHA, conventional — run against your real Sterling Heights numbers, Downtown Sterling Heights to the far side of Sterling Heights.
Who can help me get a mortgage in Sterling Heights, MI?
Choice Home Mortgage can. We arrange Sterling Heights home loans through licensed partner brokers in Michigan and coordinate each Sterling Heights file ourselves; our own license is California's (NMLS #2629064). Owner Esther Buede coordinates it personally, and we compare many lenders for it.
For Sterling Heights, FHFA's 2026 one-unit limit is $832,750 (Macomb County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
What financing a Sterling Heights home really takes.
Sterling Heights ranks first in Macomb County for total assessed value, reflecting its position as the county’s economic anchor suburb with a strong manufacturing and defense-industry base; it attracts buyers needing more space than inner-ring Detroit suburbs offer.
That Sterling Heights market shapes the loan. Sterling Heights follows Macomb County’s national-baseline limit for 2026: $832,750 on a one-unit Sterling Heights home. Under that $832,750 line — where most Sterling Heights purchases sit — conventional, FHA, and first-time-buyer all stay in play. Sterling Heights itself prices entry-level. Per FHFA’s 2026 schedule — we’ll check your exact numbers.
2026 loan limits checked against FHFA’s county file; this page was last updated October 5, 2026.
From Downtown Sterling Heights over to Sterling Park, Sterling Heights’s 131,000-plus residents sit within minutes of Troy and Warren. Sterling Heights isn’t an abstraction to us — we know it down to Dodge Park and the Sterling Heights City Center. Sterling Heights buyers reach us from Downtown Sterling Heights, Plumbrook Estates, Moravian Hills, and Sterling Park — and from every block in between. “Mortgage broker near me” in Sterling Heights usually means the closest office — we skip the office and bring Sterling Heights-level help by phone and online instead. Sterling Heights is one of 31 Michigan markets we cover, and every Michigan file gets the same treatment: real Sterling Heights numbers first, then lenders competing on them.
Sterling Heights deserves a real broker.
Sterling Heights know-how
We work Sterling Heights street by street — Downtown Sterling Heights, Plumbrook Estates, Moravian Hills and beyond — matching each neighborhood's prices to programs that fit.
First Sterling Heights home help
Sterling Heights buyers often start with first-time-buyer, FHA, conventional — we match Sterling Heights files to the down-payment and first-time programs they qualify for.
Many lenders, one file
Sterling Heights loans here go to whichever lender earns them — we shop the Sterling Heights file wide.
Owner-coordinated
Your Sterling Heights file is coordinated by owner Esther Buede herself, and in Sterling Heights or Troy hers is the name buyers recognize from our reviews.
Owner-coordinated, application to Sterling Heights keys.
In Sterling Heights, owner Esther Buede (individual NMLS #2003644) is the one coordinating your file, Plumbrook Estates or anywhere on the Sterling Heights map, first call through keys. 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.”
Programs shaped to Sterling Heights price tags.
Around Dodge Park and the Sterling Heights City Center, first-time-buyer remains the workhorse of Sterling Heights lending. The Sterling Heights playbook usually starts with first-time-buyer, FHA, conventional, arranged through licensed partner brokers — then we shop whatever your Sterling Heights file calls for: non-QM, conventional, FHA loans, and VA. Whenever you’re ready — buying, refinancing your mortgage, or still weighing options — apply here or call (949) 522-7310.
The programs that come up most for Sterling Heights buyers: FHA, conventional, first-time-buyer.
Sterling Heights self-employed borrowers get their own path here, qualifying on bank-statement income instead of W-2s. The full Macomb County 2026 loan-limit breakdown covers every unit count, not just the single-family line above.
The same coverage rings Sterling Heights: Troy, Warren, Royal Oak included. See all Michigan cities we serve →
Licensed in California (NMLS #2629064), Choice Home Mortgage helps Sterling Heights, MI buyers through licensed partner brokers. Equal Housing Opportunity. We serve Sterling Heights remotely; there is no local Sterling Heights office.
Straight answers for Sterling Heights buyers.
How high can a conforming loan go in Sterling Heights?
The 2026 number covering Sterling Heights is $832,750 on a single-family home; above it, jumbo guidelines apply to Sterling Heights purchases. Per FHFA; confirm with us.
What loans help first-time buyers in Sterling Heights?
For Sterling Heights first-timers the workhorses are FHA, conventional, first-time-buyer. We match Sterling Heights buyers to the down-payment and first-time programs their file qualifies for.
Can you finance a home anywhere in Sterling Heights?
Downtown Sterling Heights, Plumbrook Estates, Moravian Hills, Sterling Park — and the rest of Sterling Heights with them. We finance across the whole Sterling Heights map; the loan terms come from your file.
Do you work with Sterling Heights, MI buyers?
Yes: Sterling Heights, MI purchases run through licensed partner brokers while we (California NMLS #2629064) coordinate the Sterling Heights process and lender shopping.
What about the towns just past the Sterling Heights line?
Troy, Warren and Royal Oak are close enough to Sterling Heights that Choice Home Mortgage arranges loans there too, through licensed partner brokers, and each one is checked against its own county's 2026 conforming limit first.
How do we work together on a Sterling Heights purchase?
From Sterling Heights 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.
Beyond Sterling Heights: nearby cities we work
Let's finance your Sterling Heights home.
Bring the Sterling Heights address or just the idea — we'll match the program and shop lenders for your Sterling Heights loan.