Miami, FL
Miami, FL financing that matches Miami prices.
In Miami, the loan has to keep up with the price — high-balance, jumbo, move-up — and ours are built from real Miami numbers, Brickell outward.
Does Choice Home Mortgage work with Miami, FL buyers?
Yes. Choice Home Mortgage arranges home loans for Miami 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 loan while we coordinate it and compare many lenders for it, with owner Esther Buede as your point of contact.
For Miami, 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 prices, programs, and the path through.
Miami’s market is anchored by persistent international buyer demand and finite waterfront and urban-core supply that structurally elevate prices. Condo-heavy submarkets offer negotiating pockets while trophy single-family inventory stays tightly held.
That Miami market shapes the loan. The 2026 conforming number for Miami buyers in Miami-Dade County is $832,750 — the baseline every Miami file starts from. Most Miami purchases sit comfortably under that $832,750 line, keeping conventional, FHA, and first-time-buyer open for Miami buyers. Miami itself prices above the national norm. Limits per FHFA 2026; verify your scenario with us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
417,000-plus residents make Miami home — across Brickell, Coconut Grove, and between — with Miami Beach and Coral Gables nearby. The South Beach Art Deco district and Wynwood Walls to the Miami line — that’s ground we know well. We finance homes across Brickell, Wynwood, Little Havana, and Coconut Grove — and every other corner of Miami. No drive needed in Miami: licensed partner brokers originate Miami loans, we coordinate them by phone and online, and our read on the Miami market comes with it. Miami is one of 73 Florida markets we cover, and every Florida file gets the same treatment: real Miami numbers first, then lenders competing on them.
The broker difference, Miami edition.
Local Miami insight
We know where Miami values run hot — Brickell, Wynwood, Little Havana, out to the South Beach Art Deco district and Wynwood Walls — and which programs fit each pocket.
Bigger-loan ready
Miami price tags run past the national norm, and the Miami financing — jumbo for waterfront, FHA and conventional for entry tiers — is sized to match.
Lenders shopped for you
Many lenders bid on each Miami file we bring them — Miami buyers never shop one shelf.
Direct to the owner
Your Miami file is coordinated by owner Esther Buede herself, and in Miami or Miami Beach hers is the name buyers recognize from our reviews.
Miami files get the owner as coordinator.
In Miami, owner Esther Buede (individual NMLS #2003644) is the one coordinating your file, Wynwood or anywhere on the Miami map, first call through keys. Meet the family behind CHM →
“Esther is amazing, very knowledgeable. She made the loan process fast and easy.”
The loan follows your Miami plan — not the reverse.
Near the South Beach Art Deco district and Wynwood Walls, jumbo for waterfront files are a Miami staple for us. Miami files most often land on jumbo for waterfront, FHA and conventional for entry tiers through our licensed partner-broker network — and past those, every Miami option gets shopped: an FHA loan, conventional, non-QM, and VA. Step in wherever you are — buying, refinancing, or comparing — begin online or call (949) 522-7310.
Miami files here lean on jumbo for waterfront, FHA and conventional for entry tiers.
Self-employed in Miami? We also work with borrowers who work for themselves — bank-statement income included, plus no-income investor financing for Miami investors. Miami-Dade County’s full 2026 loan limits by property type break down one- through four-unit ceilings if you want the complete picture.
The same coverage rings Miami: Miami Beach, Coral Gables, North Miami included. Every Florida city we cover →
Licensed in California (NMLS #2629064), Choice Home Mortgage helps Miami, FL buyers through licensed partner brokers. Equal Housing Opportunity. Miami is served remotely — we keep no office there.
Miami mortgage questions, answered.
Is there a loan limit for Miami purchases in 2026?
Yes. A conforming loan on a one-unit Miami home can go up to $832,750 in 2026, which is FHFA's limit 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.
Does a Miami purchase price mean jumbo paperwork?
No, not unless the loan amount is above $832,750, the 2026 conforming limit for Miami-Dade County; a Miami loan at or under it follows standard conforming rules even on a higher-priced home. Putting more down keeps the loan at or under $832,750, which keeps it conforming.
Does it matter where in Miami I'm buying?
No, not for the financing: we finance homes anywhere in Miami, including Brickell, Wynwood, Little Havana and Coconut Grove. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. Licensed partner brokers originate loans across Brickell and Coconut Grove, and we coordinate them by phone and online.
I'm buying in Miami, FL: can you handle it?
Yes. A licensed partner broker in Florida originates the Miami loan, and Choice Home Mortgage coordinates it. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Miami 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 Miami?
Buying just outside Miami changes nothing on our side; we also arrange loans in Miami Beach, 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 file.
What does the mortgage process look like from Miami?
From Miami, the whole mortgage process runs by phone and online: you apply online, upload documents and get updates as the loan moves. 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.
Your Miami keys are the goal.
Tell us about the Miami home you want — we'll match the program and make lenders compete for your Miami loan.