Sterling Heights, MI
Buy your first Sterling Heights, MI home with confidence.
FHA, down-payment-assistance, and first-time-buyer programs that fit Sterling Heights budgets. We walk you through every step.
Inside the Sterling Heights mortgage market.
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 market shapes the loan. In Macomb County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Sterling Heights purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and conventional options on the table. Limits per FHFA 2026; verify your scenario with us.
We work Sterling Heights from the ground up — close to Dodge Park and the Sterling Heights City Center. We finance homes across Downtown Sterling Heights, Plumbrook Estates, Moravian Hills, and Sterling Park — and every other corner of Sterling Heights. Looking for a mortgage broker near you in Sterling Heights? 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.
Sterling Heights market knowledge
Near Dodge Park and the Sterling Heights City Center, across Downtown Sterling Heights, Plumbrook Estates, Moravian Hills — we know Sterling Heights's neighborhoods, prices, and the programs that fit them.
First-time & assistance
Sterling Heights buyers often start with FHA, conventional, first-time-buyer — 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 Sterling Heights file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your Sterling Heights loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Sterling Heights, 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 →
“Painless and no hidden surprises. Choice Home Mortgage is a company I can trust.”
Built around your Sterling Heights home, not a shelf product.
For Sterling Heights we lean on FHA, conventional, first-time-buyer 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 Sterling Heights, we also help buyers in Troy, Warren, Royal Oak. See all Michigan cities we serve →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Sterling Heights, MI buyers through licensed partner brokers. Equal Housing Opportunity. We serve this area; we do not maintain a Sterling Heights office.
Sterling Heights mortgage questions, answered.
What's the 2026 conforming loan limit in Sterling Heights?
In Macomb 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.
What loans help first-time buyers in Sterling Heights?
FHA loans, down-payment-assistance, and first-time-buyer programs are common paths in Sterling Heights. We match you to the ones you qualify for.
Which Sterling Heights neighborhoods do you serve?
We serve buyers across Sterling Heights, including Downtown Sterling Heights, Plumbrook Estates, Moravian Hills. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Can Choice Home Mortgage help me buy in Sterling Heights, MI?
Yes. We help Sterling Heights 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 Sterling Heights?
Yes — we also work with buyers in nearby Troy, Warren, Royal Oak. Same process, local loan-limit details for each.
Let's finance your Sterling Heights home.
No call center — just Esther. We'll find the program that fits your Sterling Heights purchase and do the lender legwork.