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.
Does Choice Home Mortgage work with North Miami, FL buyers?
Yes. Choice Home Mortgage arranges home loans for North 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 North Miami loan while we coordinate it and compare many lenders for it, with owner Esther Buede as your point of contact.
For 2026, a one-unit North Miami home can carry a conforming loan of up to $832,750, the Miami-Dade County limit FHFA sets, and we check where your North Miami price falls before you write an offer. The whole process runs by phone and online.
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. North Miami’s price tier is solidly middle-of-market. 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.
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. No drive needed in North Miami: licensed partner brokers originate North Miami loans, we coordinate them by phone and online, and our read on the North Miami market comes with it. 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
Esther Buede, the owner, coordinates your North Miami loan start to finish; our Google reviews show North Miami buyers why that matters.
Owner-coordinated, application to North Miami keys.
Owner Esther Buede (individual NMLS #2003644) personally coordinates each North Miami file, Sans Souci Estates or any North Miami address, first call to keys. 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, an FHA loan, and conventional. Any starting point works: buying, exploring a refinance, or simply exploring — begin online or call (949) 522-7310.
North Miami buyers most often work with FHA, conventional, first-time-buyer.
Not every North Miami file fits a W-2 box — self-employed borrowers can qualify on bank-statement income. Want every unit count, not just single-family? Miami-Dade County’s 2026 loan limits page has the full table.
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?
Yes. In North Miami, a one-unit home can carry a conforming loan of up to $832,750 for 2026, under FHFA's limit for Miami-Dade County. That is the national baseline with no high-cost adjustment, so a loan above $832,750 is a jumbo loan. For two units, the Miami-Dade County conforming limit is $1,066,250.
Do North Miami first-time buyers have good loan options?
Yes. First-time buyers in North Miami can choose from FHA and conventional loans, and down-payment assistance where they qualify. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules. HUD's 2026 FHA limit for one unit in Miami-Dade County is $667,000.
Can you finance a home anywhere in North Miami?
Yes, anywhere in North Miami, from Keystone Point to Little Haiti corridor. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. Wherever the address is, from Keystone Point to Little Haiti corridor, a licensed partner broker originates the loan and we coordinate it by phone and online.
Do you work with North Miami, FL buyers?
Yes. We work with North Miami 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.
I'm shopping North Miami and the next town over: is that covered?
Yes. You can compare homes in North Miami with North Miami Beach, Miami Gardens and Aventura on one file. Loan limits are set county by county, so the limit is re-checked for whichever town the home is in. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as a North Miami file.
What does the mortgage process look like from North Miami?
From North Miami, the whole mortgage process runs by phone and online: you apply online, upload documents and get updates as the loan moves. Licensed partner brokers cover the Florida licensing, while Choice Home Mortgage (California NMLS #2629064) coordinates the file and the lender shopping. Owner Esther Buede is your point of contact from the first call to closing.
Buying near North Miami? We cover that too
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.