Troy, MI
Troy, MI home loans, built for Troy's market.
Troy prices ask more of a loan — high-balance, jumbo, move-up — so we shape financing to how Troy actually sells, from Emerald Lakes Village on out.
What it costs to buy in Troy — and how to finance it.
Troy is Oakland County’s commercial and retail anchor — home to the Somerset Collection and a dense Fortune 500 corporate cluster — sustaining a high-income resident base and persistent demand from executives and professionals relocating to the Detroit metro, not speculative cycles.
Every Troy loan starts from that reality. The 2026 conforming number for Troy buyers in Oakland County is $832,750 — the baseline every Troy file starts from. For the typical Troy purchase, $832,750 is headroom, not a hurdle — Troy files keep conventional, FHA, and first-time-buyer open. Limits per FHFA 2026; verify your scenario with us.
Troy counts 82,000-plus residents, Emerald Lakes Village to Troy Meadows, with Sterling Heights and Royal Oak close enough to house-hunt the same weekend. The Somerset Collection to the Troy line — that’s ground we know well. Emerald Lakes Village, West Troy Meadows, Big Beaver/Somerset corridor, and Troy Meadows — we finance homes in each of them, and everywhere else Troy reaches. Searching “mortgage broker near me” from Troy? We cover Troy by phone and online — Troy-level market help, no office visit. Of the 31 Michigan cities we serve, Troy plays by its own numbers — that’s the point: the Troy file, not a state template.
Troy deserves a real broker.
Troy market knowledge
From Emerald Lakes Village, West Troy Meadows, Big Beaver/Somerset corridor to the blocks near the Somerset Collection — Troy pricing has a logic, and we work it daily.
Built for Troy price tags
Troy price tags run past the national norm, and the Troy financing — jumbo for luxury, conventional — is sized to match.
Lenders shopped for you
One Troy application, many lenders competing on it — that's what a Troy buyer hires a broker for.
Direct to the owner
The owner — Esther Buede — is who Troy buyers actually talk to, first call to funded loan.
Troy's file, the owner's desk.
Every Troy file lands on one desk: owner Esther Buede’s (individual NMLS #2003644). Closing loans since 2005, she’ll know your Troy plans — West Troy Meadows or anywhere Troy — and your name from the first call. Meet the family behind CHM →
“Esther is amazing, very knowledgeable. She made the loan process fast and easy.”
Matched to your Troy purchase, not a template.
Near the Somerset Collection, jumbo for luxury files are a Troy staple for us. For Troy we lean on jumbo for luxury, conventional through our licensed partner-broker network — but whatever fits your Troy file, we shop it: VA, FHA, non-QM, and conventional. Ready or just curious — buying, refinancing, or running scenarios — apply online or call (949) 522-7310.
And around Troy: Sterling Heights, Royal Oak, Rochester Hills are all in reach. See all Michigan cities we serve →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Troy, MI buyers through licensed partner brokers. Equal Housing Opportunity. We serve Troy remotely; there is no local Troy office.
What Troy buyers ask us first.
What's the conforming cap on a Troy home loan?
For Troy buyers, conforming runs to $832,750 in 2026; beyond that a Troy purchase shops jumbo. FHFA figures — we'll verify yours.
How do Troy buyers finance above the conforming limit?
Plenty of Troy contracts land past the conforming line, and that's routine for us — a Troy file gets placed against the limit first, then shopped to lenders who want that business.
Can you finance a home anywhere in Troy?
Emerald Lakes Village, West Troy Meadows, Big Beaver/Somerset corridor, Troy Meadows — and the rest of Troy with them. We finance across the whole Troy map; the loan terms come from your file.
Do you work with Troy, MI buyers?
Through licensed partner brokers, yes — we quarterback the Troy, MI process (California NMLS #2629064) while your Troy file gets shopped across many lenders.
What about the towns just past the Troy line?
Yes — shop Troy against Sterling Heights, Royal Oak, Rochester Hills freely; we re-run the limit math for whichever side of the line you buy on.
What does the mortgage process look like from Troy?
From Troy 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.
Make the Troy move.
Your Troy plans, the owner's full attention, and a market of lenders shopped on your Troy file's behalf.