Melbourne, FL
Melbourne home financing, minus the runaround.
Melbourne buyers get the full menu — conventional, FHA, VA — fitted to the Melbourne budget you actually have, Downtown Melbourne included.
Can Choice Home Mortgage help me buy a home in Melbourne, FL?
Yes. Choice Home Mortgage helps Melbourne buyers and homeowners through licensed partner brokers who handle the Florida licensing, while we coordinate the Melbourne file and compare many lenders for it. We are a family-owned broker licensed in California (NMLS #2629064), and owner Esther Buede coordinates your loan from the first call to closing.
For 2026, a one-unit Melbourne home can carry a conforming loan of up to $832,750, the Brevard County limit FHFA sets, and we check where your Melbourne price falls before you write an offer. The whole process runs by phone and online.
What it costs to buy in Melbourne — and how to finance it.
Melbourne’s market is anchored by defense and aerospace employment — Lockheed Martin, L3Harris, Boeing, and NASA Kennedy Space Center 35 miles north collectively employ tens of thousands in Brevard; Florida Tech adds a STEM graduate and faculty cohort, with median prices well within conventional ranges.
Every Melbourne loan starts from that reality. Melbourne follows Brevard County’s national-baseline limit for 2026: $832,750 on a one-unit Melbourne home. Under that $832,750 line — where most Melbourne purchases sit — conventional, FHA, and first-time-buyer all stay in play. Melbourne itself prices solidly middle-of-market. FHFA publishes the 2026 schedule; we’ll square your numbers against it.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Melbourne holds 77,000-plus residents across pockets like Downtown Melbourne and South Melbourne, with Palm Bay and Titusville right next door. We can talk Melbourne down to the blocks around the Florida Institute of Technology on the Space Coast. Whether the address is in Downtown Melbourne, Eau Gallie Arts District, Suntree, and South Melbourne or another Melbourne pocket entirely, the financing follows. Melbourne buyers reach us in one call; the loan runs online from there, with the Melbourne market knowledge built in. Florida coverage here spans 73 cities, Melbourne among them — each on its own county limits, each shopped the same way.
Melbourne deserves a real broker.
Melbourne, block by block
From the Florida Institute of Technology on the Space Coast across Downtown Melbourne, Eau Gallie Arts District, Suntree, we keep tabs on what Melbourne homes actually go for and which programs carry them.
First Melbourne home help
The Melbourne starting lineup is usually conventional, FHA, VA; we add whichever down-payment help your Melbourne budget is eligible for.
Lenders shopped for you
Melbourne loans here go to whichever lender earns them — we shop the Melbourne file wide.
The owner, coordinating
The owner, Esther Buede, is who Melbourne buyers talk to, and she coordinates the Melbourne file with our licensed partner brokers.
One coordinator, application to keys.
Owner Esther Buede (individual NMLS #2003644) personally coordinates each Melbourne file, Eau Gallie Arts District or any Melbourne address, first call to keys. Meet the family behind CHM →
“Esther Buede was a breathe of fresh air to work with from starting to the finish line!”
Programs shaped to Melbourne price tags.
Demand around the Florida Institute of Technology on the Space Coast keeps conventional activity steady in Melbourne. Melbourne work runs heaviest on conventional, FHA, VA, arranged through our licensed partner-broker network — but the full menu stays open for Melbourne files: non-QM, VA, conventional, and FHA. Step in wherever you are — buying, refinancing your mortgage, or comparing — start your application here or call (949) 522-7310.
Melbourne files here lean on conventional, FHA, VA, first-time-buyer.
Self-employed in Melbourne? We also work with self-employed buyers — 1099 income included. Want every unit count, not just single-family? Brevard County’s 2026 loan limits page has the full table.
Buyers in Palm Bay, Titusville, West Melbourne get the same treatment as Melbourne files. Every Florida city we cover →
Working with Melbourne, FL buyers through licensed partner brokers — Choice Home Mortgage, California-licensed, NMLS #2629064. Equal Housing Opportunity. We serve Melbourne remotely; there is no local Melbourne office.
Melbourne questions we hear most.
Where does the Melbourne conforming loan limit sit for 2026?
$832,750 is the 2026 conforming limit for a single-family home in Melbourne, based on FHFA's figure for Brevard County. Brevard 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. A two-unit property in Brevard County can borrow up to $1,066,250 and stay conforming.
What loans help first-time buyers in Melbourne?
First-time buyers in Melbourne most often use conventional, FHA and VA loans. Some conventional programs accept 3% down from first-time buyers. For FHA, the 2026 one-unit limit in Brevard County is $541,287, per HUD. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules.
Does it matter where in Melbourne I'm buying?
No, not for the financing: we finance homes anywhere in Melbourne, including Downtown Melbourne, Eau Gallie Arts District, Suntree and South Melbourne. The neighborhood affects the appraisal, which compares recent nearby sales, but the loan terms come from your credit, income and down payment. For a one-unit home in Brevard County, the 2026 conforming limit is $832,750.
Are you set up to arrange loans in Melbourne, FL?
Yes. Melbourne loans are arranged through licensed partner brokers in Florida, with Choice Home Mortgage coordinating the file. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Melbourne 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 Melbourne?
Buying just outside Melbourne changes nothing on our side; we also arrange loans in Palm Bay, Titusville and West Melbourne through licensed partner brokers. Every address is checked against its own county's 2026 limit before we quote. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as a Melbourne file.
Do I ever need to visit an office for my Melbourne loan?
No. A Melbourne loan runs by phone and online, and Choice Home Mortgage has no local office to visit. 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.
Ready for your Melbourne address?
No call center — just Esther. We'll find what fits your Melbourne purchase and do the Melbourne lender legwork.