Melbourne, FL
Your Melbourne, FL mortgage, done right.
Conventional, FHA, and first-time-buyer paths for Melbourne — clear guidance from pre-approval through closing.
Inside the Melbourne mortgage market.
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.
That market shapes the loan. In Brevard County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Melbourne purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and FHA options on the table. Limits per FHFA 2026; verify your scenario with us.
We work Melbourne from the ground up — close to the Florida Institute of Technology on the Space Coast. We finance homes across Downtown Melbourne, Eau Gallie Arts District, Suntree, and South Melbourne — and every other corner of Melbourne. Looking for a mortgage broker near you in Melbourne? 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.
Melbourne market knowledge
Near the Florida Institute of Technology on the Space Coast, across Downtown Melbourne, Eau Gallie Arts District, Suntree — we know Melbourne's neighborhoods, prices, and the programs that fit them.
First-time & assistance
Melbourne buyers often start with conventional, FHA, VA — we match you to the down-payment and first-time programs you qualify for.
Lenders shopped for you
As a broker we shop many lenders for your Melbourne file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your Melbourne loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Melbourne, 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 →
“Closed in 8 days. I never knew a home refinance could happen so quickly and painlessly!”
Built around your Melbourne home, not a shelf product.
For Melbourne we lean on conventional, FHA, VA 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 Melbourne, we also help buyers in Palm Bay, Orlando, Titusville. See all Florida cities we serve →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Melbourne, FL buyers through licensed partner brokers. Equal Housing Opportunity. We serve this area; we do not maintain a Melbourne office.
Melbourne mortgage questions, answered.
What's the 2026 conforming loan limit in Melbourne?
In Brevard 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.
Which loan types work best in Melbourne?
Most Melbourne buyers use conventional or FHA financing; refinancing and move-up loans are common too. The right fit depends on your down payment and goals.
Which Melbourne neighborhoods do you serve?
We serve buyers across Melbourne, including Downtown Melbourne, Eau Gallie Arts District, Suntree. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Can Choice Home Mortgage help me buy in Melbourne, FL?
Yes. We help Melbourne homebuyers through licensed partner brokers. Choice Home Mortgage is licensed in California (NMLS #2629064); we coordinate FL financing for you.
Do you serve areas near Melbourne?
Yes — we also work with buyers in nearby Palm Bay, Orlando, Titusville. Same process, local loan-limit details for each.
Let's finance your Melbourne home.
No call center — just Esther. We'll find the program that fits your Melbourne purchase and do the lender legwork.