North Miami, FL
Your North Miami, FL mortgage, done right.
We fit the loan to your North Miami plans — FHA, conventional, first-time-buyer and more — walking North Miami buyers through it, Keystone Point to closing day.
Buying in North Miami: the numbers that matter.
North Miami sits at the intersection of Biscayne Bay access and two of South Florida’s most distinct communities — Haitian-American density and the upscale boating enclave of Keystone Point — giving it a dual waterfront-luxury and urban-cultural identity, and a perennial entry point for South Florida ownership.
That’s the North Miami backdrop the loan has to fit. In Miami-Dade County, a North Miami one-unit purchase conforms up to 2026’s $832,750 baseline for North Miami files. Under that $832,750 line — where most North Miami purchases sit — conventional, FHA, and first-time-buyer all stay in play. The 2026 figures come from FHFA — your scenario gets checked, not assumed.
Roughly 61,000-plus people call North Miami home, spread from Keystone Point to Little Haiti corridor, with North Miami Beach and Miami Gardens minutes away. The Keystone Point waterfront community to the North Miami line — that’s ground we know well. We finance homes across Keystone Point, Sans Souci Estates, Sunny Acres, and Little Haiti corridor — and every other corner of North Miami. A North Miami broker without the drive: we handle North Miami loans by phone and online, and the North Miami market knowledge travels with us. Of the 73 Florida cities we serve, North Miami plays by its own numbers — that’s the point: the North Miami file, not a state template.
North Miami deserves a real broker.
North Miami market knowledge
From Keystone Point, Sans Souci Estates, Sunny Acres to the Keystone Point waterfront community, we track what North Miami homes really cost and which loans carry them.
Down-payment friendly
We open most North Miami files with FHA, conventional, first-time-buyer, then layer in whatever down-payment help your North Miami numbers qualify for.
Many lenders, one file
North Miami loans here go to whichever lender earns them — we shop the North Miami file wide.
Direct to the owner
Owner Esther Buede runs every North Miami file herself — one expert from your first North Miami call to your closing.
Owner-handled, application to North Miami keys.
Owner Esther Buede (individual NMLS #2003644) personally runs each North Miami file — Sans Souci Estates or any North Miami address — first call to keys, as she’s done since 2005. Meet the family behind CHM →
“Esther is amazing, very knowledgeable. She made the loan process fast and easy.”
Your North Miami file decides the loan.
FHA work anchors our North Miami lending, with the Keystone Point waterfront community part of the pull. North Miami files most often land on FHA, conventional, first-time-buyer through our licensed partner-broker network — and past those, every North Miami option gets shopped: VA, non-QM, FHA, and conventional. Any starting point works: buying, refinancing, or simply exploring — begin online or call (949) 522-7310.
The same coverage rings North Miami: North Miami Beach, Miami Gardens, Aventura included. More Florida cities we work in →
North Miami, FL buyers work with us through licensed partner brokers; Choice Home Mortgage is licensed in California (NMLS #2629064). Equal Housing Opportunity. We work with North Miami buyers remotely and maintain no North Miami office.
Straight answers for North Miami buyers.
Is there a loan limit for North Miami purchases in 2026?
In Miami-Dade County, the 2026 single-family limit is $832,750; anything above that in North Miami is jumbo territory. FHFA sets it — we'll verify your North Miami case.
Do North Miami first-time buyers have good loan options?
The short list for North Miami is FHA, conventional, first-time-buyer. Which one wins depends on your down payment and credit — we sort that out on the first North Miami call.
Can you finance a home anywhere in North Miami?
No corner of North Miami is off the map: Keystone Point, Sans Souci Estates, Sunny Acres, Little Haiti corridor, all covered. Pricing follows your North Miami file, not the street.
Do you work with North Miami, FL buyers?
Yes. We help North Miami, FL homebuyers through licensed partner brokers — Choice Home Mortgage is California-licensed (NMLS #2629064) and coordinates North Miami financing end to end.
I'm shopping North Miami and the next town over — covered?
Covered — North Miami Beach, Miami Gardens, Aventura all run the same play as North Miami, with each county's own limit checked before anything is quoted.
What does the mortgage process look like from North Miami?
Everything runs by phone and online: application, documents, updates. We coordinate your North Miami purchase with our licensed partner brokers handling the FL side — no office visit involved.
Your North Miami home is a call away.
Bring the North Miami address or just the idea — we'll match the program and shop lenders for your North Miami loan.