Hialeah, FL
Hialeah, FL home loans, coordinated by the owner.
Real Hialeah prices, real programs — down-payment-assistance, FHA, first-time-buyer — matched to what your Hialeah file qualifies for, in Palm Springs North and citywide.
Who can help me get a mortgage in Hialeah, FL?
Choice Home Mortgage can. We arrange Hialeah home loans through licensed partner brokers in Florida and coordinate each Hialeah file ourselves; our own license is California's (NMLS #2629064). Owner Esther Buede coordinates it personally, and we compare many lenders for it.
The 2026 conforming limit for a one-unit Hialeah home is $832,750 (Miami-Dade County, per FHFA). We start every Hialeah file by placing the price against that number, then handle the application, documents and updates by phone and online.
The Hialeah market, read honestly.
Hialeah is Miami-Dade’s largest primarily residential city outside Miami, with dense, affordably priced single-family homes and a predominantly working- and middle-class owner base.
That’s the Hialeah backdrop the loan has to fit. Hialeah’s 2026 conforming ceiling is $832,750, the baseline figure Miami-Dade County shares with most of the country. Under that $832,750 line — where most Hialeah purchases sit — conventional, FHA, and down-payment-assistance all stay in play. Price-wise, Hialeah runs solidly middle-of-market. FHFA sets these limits annually; run your scenario by us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Hialeah holds 233,000-plus residents across pockets like Palm Springs North and Hialeah Heights, with Miami Gardens and Miramar right next door. Our Hialeah picture runs street-level, Hialeah Park Racing & Casino and all. From Palm Springs North, West Hialeah, Okeechobee corridor, and Hialeah Heights to everywhere else on the Hialeah map — the financing reaches all of it. “Mortgage broker near me” in Hialeah usually means the closest office — we skip the office and bring Hialeah-level help by phone and online instead. Hialeah is one of 73 Florida markets we cover, and every Florida file gets the same treatment: real Hialeah numbers first, then lenders competing on them.
How we work Hialeah loans.
Hialeah market knowledge
From Palm Springs North, West Hialeah, Okeechobee corridor to Hialeah Park Racing & Casino, we track what Hialeah homes really cost and which loans carry them.
First-time & assistance
The Hialeah starting lineup is usually down-payment-assistance, FHA, first-time-buyer; we add whichever down-payment help your Hialeah budget is eligible for.
Many lenders, one file
Instead of one bank's rates, your Hialeah application sees many lenders competing — that's the whole point of working with us.
The owner, coordinating
Esther Buede, the owner, coordinates your Hialeah loan start to finish; our Google reviews show Hialeah buyers why that matters.
Hialeah files get the owner as coordinator.
Every Hialeah file has one coordinator: owner Esther Buede (individual NMLS #2003644). She’ll know your Hialeah plans, West Hialeah or anywhere in Hialeah, and your name from the first call. Meet the family behind CHM →
“She was sincere. Got me processed and funded in 20 days. I felt taken care of every step of the way.”
Programs shaped to Hialeah price tags.
Near Hialeah Park Racing & Casino, down-payment-assistance files are a Hialeah staple for us. Through licensed partner brokers, Hialeah buyers lean on down-payment-assistance, FHA, first-time-buyer most — and whatever else the Hialeah numbers call for: VA, conventional, FHA financing, and non-QM. Come in at your own pace — buying, exploring a refinance, or comparing paths — apply in minutes or call (949) 522-7310.
Hialeah files here lean on FHA, first-time-buyer, down-payment-assistance.
Self-employed in Hialeah? We also work with borrowers who work for themselves — bank-statement income included, plus DSCR investor loans for Hialeah investors. The full Miami-Dade County 2026 loan-limit breakdown covers every unit count, not just the single-family line above.
Buyers in Miami Gardens, Miramar, Doral get the same treatment as Hialeah files. More Florida cities we work in →
Choice Home Mortgage (California-licensed, NMLS #2629064) serves Hialeah, FL buyers through licensed partner brokers. Equal Housing Opportunity. No Hialeah office — we work with Hialeah buyers remotely.
Before you buy in Hialeah: the FAQs.
What's the 2026 conforming loan limit in Hialeah?
A conforming loan on a one-unit Hialeah home can go up to $832,750 in 2026, which is FHFA's limit for Miami-Dade County. That is the national baseline with no high-cost adjustment, so a loan above $832,750 is a jumbo loan. A two-unit property in Miami-Dade County can borrow up to $1,066,250 and stay conforming.
How do first-time buyers usually finance a Hialeah home?
First-time buyers in Hialeah usually finance with FHA and conventional loans. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules. An FHA loan on one unit in Miami-Dade County can go to $667,000 in 2026 (HUD). Some conventional programs accept 3% down from first-time buyers.
Which Hialeah neighborhoods do you serve?
We finance homes in every Hialeah neighborhood, including Palm Springs North, West Hialeah, Okeechobee corridor and Hialeah Heights. The neighborhood affects the appraisal, which compares recent nearby sales, but the loan terms come from your credit, income and down payment. Licensed partner brokers originate loans across Palm Springs North and Hialeah Heights, and we coordinate them by phone and online.
Do you work with Hialeah, FL buyers?
Yes. We work with Hialeah buyers through licensed partner brokers who hold the Florida license, and we coordinate each file. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Hialeah office, so the application, documents and updates run by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
What if I'm buying just outside Hialeah?
Buying just outside Hialeah changes nothing on our side; we also arrange loans in Miami Gardens, Miramar and Doral through licensed partner brokers. 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 Hialeah file.
How do we work together on a Hialeah purchase?
We start with a call to map your Hialeah purchase, then coordinate the application, documents and updates online. A licensed partner broker in Florida originates the loan, and Choice Home Mortgage (California NMLS #2629064) coordinates it and compares many lenders. Owner Esther Buede is your point of contact from the first call to closing.
Let's finance your Hialeah home.
Your Hialeah plans, the owner's full attention, and a market of lenders shopped on your Hialeah file's behalf.