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.
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. Limits per FHFA 2026; verify your scenario with us.
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. A Miami broker without the drive: we handle Miami loans by phone and online, and the Miami market knowledge travels with us. 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
Owner Esther Buede runs every Miami file herself — one expert from your first Miami call to your closing.
Miami files get the owner. Every time.
Owner Esther Buede (individual NMLS #2003644) has closed loans since 2005, and in Miami she’s the one on 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: FHA, conventional, non-QM, and VA. Step in wherever you are — buying, refinancing, or comparing — begin online or call (949) 522-7310.
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?
The 2026 number covering Miami is $832,750 on a single-family home; above it, jumbo guidelines apply to Miami purchases. Per FHFA; confirm with us.
Does a Miami purchase price mean jumbo paperwork?
Often, yes — Miami prices push many Miami purchases past the conforming line, so high-balance and jumbo carry a lot of deals here. We structure your Miami file around where the price lands.
Does it matter where in Miami I'm buying?
All of Miami — including Brickell, Wynwood, Little Havana, Coconut Grove. The financing follows you across Miami: the loan matches your Miami file, never the ZIP.
I'm buying in Miami, FL — can you handle it?
Through licensed partner brokers, yes — we quarterback the Miami, FL process (California NMLS #2629064) while your Miami file gets shopped across many lenders.
What if I'm buying just outside Miami?
Of course: Miami Beach, Coral Gables, North Miami run the same as Miami files, with each area's numbers checked separately.
What does the mortgage process look like from Miami?
No office needed. A Miami file moves digitally — application through final documents — with us coordinating lenders and licensed partner brokers covering FL.
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.