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.
Does Choice Home Mortgage work with Troy, MI buyers?
Yes. Choice Home Mortgage arranges home loans for Troy buyers through licensed partner brokers who cover Michigan. We are a family-owned broker, in business since 2005 and licensed in California (NMLS #2629064); a licensed partner broker handles the Troy loan while we coordinate it and compare many lenders for it, with owner Esther Buede as your point of contact.
The 2026 conforming limit for a one-unit Troy home is $832,750 (Oakland County, per FHFA). We start every Troy file by placing the price against that number, then handle the application, documents and updates by phone and online.
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. As a market, Troy runs above the national norm. Limits per FHFA 2026; verify your scenario with us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
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
Owner Esther Buede coordinates every Troy file herself, one point of contact from your first Troy call to your closing.
Troy's file, coordinated by the owner.
Every Troy file has one coordinator: owner Esther Buede (individual NMLS #2003644). She’ll know your Troy plans, West Troy Meadows or anywhere in 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, exploring a refinance, or running scenarios — apply online or call (949) 522-7310.
For Troy, that usually means conventional, jumbo for luxury.
Not every Troy file fits a W-2 box — borrowers who work for themselves can qualify on bank-statement income. Oakland County’s 2026 conforming and FHA limits, by unit count are laid out in full if you’re comparing property types.
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?
$832,750 is the 2026 conforming limit for a single-family home in Troy, based on FHFA's figure for Oakland County. Oakland 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. For two units, the Oakland County conforming limit is $1,066,250.
How do Troy buyers finance above the conforming limit?
Above $832,750, Troy buyers either take a jumbo loan or raise the down payment until the loan fits under the Oakland County limit. Putting more down keeps the loan at or under $832,750, which keeps it conforming. A licensed partner broker originates the loan while we compare those options across many lenders.
Can you finance a home anywhere in Troy?
Yes, anywhere in Troy, from Emerald Lakes Village to Troy Meadows. 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 Emerald Lakes Village to Troy Meadows, a licensed partner broker originates the loan and we coordinate it by phone and online.
Do you work with Troy, MI buyers?
Yes. We work with Troy 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 Troy line?
We cover those too: Sterling Heights, Royal Oak and Rochester Hills are in our service area along with Troy. Loan limits are set county by county, so the limit is re-checked for whichever town the home is in. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as a Troy file.
What does the mortgage process look like from Troy?
From Troy, the whole mortgage process runs by phone and online: you apply online, upload documents and get updates as the loan moves. 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.
Make the Troy move.
Your Troy plans, the owner's full attention, and a market of lenders shopped on your Troy file's behalf.