Miami, FL
Miami, FL home loans, built for Miami's market.
From high-balance and jumbo financing to move-up and refinance, we structure the loan around Miami's price points — not a one-size template.
Inside the Miami mortgage market.
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 market shapes the loan. In Miami-Dade County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Miami purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and FHA and conventional for entry tiers options on the table. Limits per FHFA 2026; verify your scenario with us.
We work Miami from the ground up — close to the South Beach Art Deco district and Wynwood Walls. We finance homes across Brickell, Wynwood, Little Havana, and Coconut Grove — and every other corner of Miami. Looking for a mortgage broker near you in Miami? 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 market knowledge
Near the South Beach Art Deco district and Wynwood Walls, across Brickell, Wynwood, Little Havana — we know how Miami prices and programs actually work.
Move-up & jumbo ready
Miami runs above the national norm — we structure jumbo for waterfront, FHA and conventional for entry tiers financing around its price points.
Lenders shopped for you
As a broker we put many lenders in competition for your Miami file — not one bank's shelf.
Owner-handled
Owner Esther Buede guides your Miami loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Miami, 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 Miami home, not a shelf product.
For Miami we lean on jumbo for waterfront, FHA and conventional for entry tiers 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, we also help buyers in Miami Beach, Coral Gables, North Miami. See all Florida cities we serve →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Miami, FL buyers through licensed partner brokers. Equal Housing Opportunity. We serve this area; we do not maintain a Miami office.
Miami mortgage questions, answered.
What's the 2026 conforming loan limit in Miami?
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?
Not always. Many Miami 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 neighborhoods do you serve?
We serve buyers across Miami, including Brickell, Wynwood, Little Havana. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Can Choice Home Mortgage help me buy in Miami, FL?
Yes. We help Miami 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?
Yes — we also work with buyers in nearby Miami Beach, Coral Gables, North Miami. Same process, local loan-limit details for each.
Let's finance your Miami home.
No call center — just Esther. We'll find the program that fits your Miami purchase and do the lender legwork.