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 13, 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?
In Sterling Heights, a one-unit home can carry a conforming loan of up to $832,750 for 2026, under FHFA's limit for Macomb County. Macomb 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 Sterling Heights?
First-time buyers in Sterling Heights most often use FHA and conventional loans. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules. For FHA, the 2026 one-unit limit in Macomb County is $541,287, per HUD. Some conventional programs accept 3% down from first-time buyers.
Can you finance a home anywhere in Sterling Heights?
Yes, anywhere in Sterling Heights, from Downtown Sterling Heights to Sterling Park. The neighborhood affects the appraisal, which compares recent nearby sales, but the loan terms come from your credit, income and down payment. Wherever the address is, from Downtown Sterling Heights to Sterling Park, a licensed partner broker originates the loan and we coordinate it by phone and online.
Do you work with Sterling Heights, MI buyers?
Yes. We work with Sterling Heights buyers through licensed partner brokers who hold the Michigan license, and we coordinate each 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.
What about the towns just past the Sterling Heights line?
We cover those too: Troy, Warren and Royal Oak are in our service area along with Sterling Heights. Each town's conforming limit depends on its county, so we confirm the 2026 limit for the exact address before quoting. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as a Sterling Heights file.
How do we work together on a Sterling Heights purchase?
We start with a call to map your Sterling Heights purchase, then coordinate the application, documents and updates online. 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 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.