Miami Beach, FL
Miami Beach, FL home loans, built for Miami Beach's market.
From high-balance and jumbo financing to move-up and refinance, we structure the loan around Miami Beach's price points — not a one-size template.
Miami Beach home loans, the honest version.
Miami Beach is the leading US destination for international real estate capital, with foreign buyers a large share of new-construction condo sales and a high cash-transaction rate driven by Florida’s no income tax and Latin American and European wealth; the condo-dominant market runs largely on jumbo and non-QM products.
That market shapes the loan. In Miami-Dade County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Miami Beach purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and non-QM options on the table. Limits per FHFA 2026; verify your scenario with us.
We work Miami Beach from the ground up — close to the Ocean Drive Art Deco Historic District. We finance homes across South Beach, Mid-Beach, North Beach, and Sunset Islands — and every other corner of Miami Beach. Looking for a mortgage broker near you in Miami Beach? 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.
Miami Beach market knowledge
Near the Ocean Drive Art Deco Historic District, across South Beach, Mid-Beach, North Beach — we know how Miami Beach prices and programs actually work.
Move-up & jumbo ready
Miami Beach runs among the priciest in Florida — we structure jumbo, non-QM, foreign-national programs financing around its price points.
Lenders shopped for you
As a broker we put many lenders in competition for your Miami Beach file — not one bank's shelf.
Owner-handled
Owner Esther Buede guides your Miami Beach loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Miami Beach, 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.”
Matched to your Miami Beach purchase, not a template.
For Miami Beach we lean on jumbo, non-QM, foreign-national programs 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 Miami Beach, we also help buyers in Miami, Coral Gables, North Miami. See all Florida cities we serve →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Miami Beach, FL buyers through licensed partner brokers. Equal Housing Opportunity. We serve this area; we do not maintain a Miami Beach office.
Miami Beach mortgage questions, answered.
What's the 2026 conforming loan limit in Miami Beach?
In Miami-Dade 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 Miami Beach?
Not always. Many Miami Beach 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 Miami Beach neighborhoods do you serve?
We serve buyers across Miami Beach, including South Beach, Mid-Beach, North Beach. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Can Choice Home Mortgage help me buy in Miami Beach, FL?
Yes. We help Miami Beach 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 Miami Beach?
Yes — we also work with buyers in nearby Miami, Coral Gables, North Miami. Same process, local loan-limit details for each.
Let's finance your Miami Beach home.
One call with the owner — local, honest, no pressure. We'll tell you which program fits your Miami Beach purchase and shop the lenders for you.