Troy, MI
Troy, MI home loans, built for Troy's market.
From high-balance and jumbo financing to move-up and refinance, we structure the loan around Troy's price points — not a one-size template.
What financing a Troy home really takes.
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.
That market shapes the loan. In Oakland County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Troy purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and jumbo for luxury options on the table. Limits per FHFA 2026; verify your scenario with us.
We work Troy from the ground up — close to the Somerset Collection. We finance homes across Emerald Lakes Village, West Troy Meadows, Big Beaver/Somerset corridor, and Troy Meadows — and every other corner of Troy. Looking for a mortgage broker near you in Troy? 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.
Troy market knowledge
Near the Somerset Collection, across Emerald Lakes Village, West Troy Meadows, Big Beaver/Somerset corridor — we know how Troy prices and programs actually work.
Move-up & jumbo ready
Troy runs above the national norm — we structure conventional, jumbo for luxury financing around its price points.
Lenders shopped for you
As a broker we put many lenders in competition for your Troy file — not one bank's shelf.
Owner-handled
Owner Esther Buede guides your Troy loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Troy, 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.”
The right Troy loan for your situation.
For Troy we lean on conventional, jumbo for luxury 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 Troy, we also help buyers in Sterling Heights, Royal Oak, Rochester Hills. 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 this area; we do not maintain a Troy office.
Troy mortgage questions, answered.
What's the 2026 conforming loan limit in Troy?
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.
Do I need a jumbo loan to buy in Troy?
Not always. Many Troy homes can be financed with high-balance conforming loans up to $832,750 before a true jumbo is needed. We'll tell you which fits your price point.
Which Troy neighborhoods do you serve?
We serve buyers across Troy, including Emerald Lakes Village, West Troy Meadows, Big Beaver/Somerset corridor. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Can Choice Home Mortgage help me buy in Troy, MI?
Yes. We help Troy 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 Troy?
Yes — we also work with buyers in nearby Sterling Heights, Royal Oak, Rochester Hills. Same process, local loan-limit details for each.
Let's finance your Troy home.
Talk to the owner directly. We'll map the right loan for your Troy home and put lenders in competition for it.