Miami Beach, FL
Miami Beach, FL home loans, built for Miami Beach's market.
Miami Beach prices ask more of a loan — high-balance, jumbo, move-up — so we shape financing to how Miami Beach actually sells, from South Beach on out.
Does Choice Home Mortgage work with Miami Beach, FL buyers?
Yes. Choice Home Mortgage arranges home loans for Miami Beach buyers through licensed partner brokers who cover Florida. We are a family-owned broker, in business since 2005 and licensed in California (NMLS #2629064); a licensed partner broker handles the Miami Beach loan while we coordinate it and compare many lenders for it, with owner Esther Buede as your point of contact.
For Miami Beach, FHFA's 2026 one-unit limit is $832,750 (Miami-Dade County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
Miami Beach prices, programs, and the path through.
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.
Every Miami Beach loan starts from that reality. 2026 gives Miami Beach buyers a $832,750 conforming cap on one-unit homes — Miami-Dade County sits at the national baseline. Since typical Miami Beach prices stay under $832,750, a Miami Beach buyer keeps conventional, FHA, and foreign-national programs all in play. Price-wise, Miami Beach runs among the priciest in Florida. The 2026 figures come from FHFA — your scenario gets checked, not assumed.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
91,000-plus residents make Miami Beach home — across South Beach, Sunset Islands, and between — with Miami and Coral Gables nearby. Miami Beach detail matters to us — the Ocean Drive Art Deco Historic District and the streets that feed it included. Miami Beach buyers reach us from South Beach, Mid-Beach, North Beach, and Sunset Islands — and from every block in between. Miami Beach buyers reach us in one call; the loan runs online from there, with the Miami Beach market knowledge built in. Of the 73 Florida cities we serve, Miami Beach plays by its own numbers — that’s the point: the Miami Beach file, not a state template.
The broker difference, Miami Beach edition.
Miami Beach know-how
We know where Miami Beach values run hot — South Beach, Mid-Beach, North Beach, out to the Ocean Drive Art Deco Historic District — and which programs fit each pocket.
Built for Miami Beach price tags
Miami Beach price tags run with the top of the Florida market, and the Miami Beach financing — foreign-national programs, jumbo, non-QM — is sized to match.
Many lenders, one file
Instead of one bank's rates, your Miami Beach application sees many lenders competing — that's the whole point of working with us.
Direct to the owner
Owner Esther Buede coordinates every Miami Beach file herself, one point of contact from your first Miami Beach call to your closing.
Your loan, one named coordinator.
In Miami Beach, owner Esther Buede (individual NMLS #2003644) coordinates your loan personally with our licensed partner brokers, from Mid-Beach to every part of Miami Beach. Choice Home Mortgage has been closing loans since 2005. 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.”
Your Miami Beach file decides the loan.
Miami Beach’s pull — think the Ocean Drive Art Deco Historic District — keeps foreign-national programs work coming. Most Miami Beach files start at foreign-national programs, jumbo, non-QM (via our licensed partner-broker network) and branch from there — every option gets a look: conventional, VA, non-QM, and FHA. Start where it suits you: buying, refinancing your mortgage, or testing the numbers — begin online or call (949) 522-7310.
Miami Beach buyers most often work with jumbo, non-QM, foreign-national programs.
Not every Miami Beach file fits a W-2 box — self-employed borrowers can qualify on 1099 income. Want every unit count, not just single-family? Miami-Dade County’s 2026 loan limits page has the full table.
Beyond Miami Beach itself, Miami, Coral Gables, North Miami buyers work with us the same way. More Florida cities we work in →
Working with Miami Beach, FL buyers through licensed partner brokers — Choice Home Mortgage, California-licensed, NMLS #2629064. Equal Housing Opportunity. We serve Miami Beach remotely; there is no local Miami Beach office.
Straight answers for Miami Beach buyers.
What's the 2026 conforming loan limit in Miami Beach?
The 2026 conforming loan limit for a one-unit home in Miami Beach is $832,750, the figure FHFA set for Miami-Dade County. Miami-Dade 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.
Do Miami Beach buyers usually need jumbo financing?
A Miami Beach buyer needs a jumbo loan only when the amount borrowed tops $832,750, the 2026 Miami-Dade County limit; at or below it, the loan stays conforming. A larger down payment can bring the loan back under $832,750 so it stays conforming. Licensed partner brokers originate the loan, and Choice Home Mortgage compares quotes from many lenders on your file.
Can you finance a home anywhere in Miami Beach?
Yes, anywhere in Miami Beach, from South Beach to Sunset Islands. 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 South Beach and Sunset Islands, and we coordinate them by phone and online.
Do you work with Miami Beach, FL buyers?
Yes. We work with Miami Beach buyers through licensed partner brokers who hold the Florida 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 if I'm buying just outside Miami Beach?
Buying just outside Miami Beach changes nothing on our side; we also arrange loans in Miami, Coral Gables and North Miami 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 Miami Beach file.
Do I ever need to visit an office for my Miami Beach loan?
No. A Miami Beach 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.
Buying near Miami Beach? We cover that too
Next stop: your Miami Beach address.
The owner picks up, your Miami Beach numbers get real, and lenders start competing for the Miami Beach business.