Brickell · Coral Gables · Coconut Grove

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Miami is Florida's largest and most competitive housing market — a mix of international buyers, condo investors, and relocating families that makes lender pricing anything but one-size-fits-all. Whether you're buying a Brickell high-rise, a Coral Gables family home, or an investment condo, Nick shops 100+ wholesale lenders to match the rate and program to your exact scenario. Foreign-national and non-warrantable condo financing available.

Serving: Brickell · Coral Gables · Coconut Grove · Edgewater · Wynwood · Key Biscayne · Miami Beach · Pinecrest

Miami, Florida

Common Questions

Miami Mortgage FAQ

What is the conforming loan limit in Miami-Dade County for 2026? +
The 2026 conforming loan limit for Miami-Dade County is $832,750 for a single-family home. Loans above this threshold require a jumbo mortgage with different qualification requirements.
What is the FHA loan limit in Miami-Dade County? +
The 2026 FHA loan limit for a single-family home in Miami-Dade County is $667,000. FHA loans require as little as 3.5% down with a 580+ credit score.
Can I get a DSCR loan for a Miami vacation rental? +
Yes. Miami's short-term rental market — particularly Brickell, Miami Beach, and Wynwood — is strong enough that DSCR loans frequently work well. Lenders use either actual leases or a market rent analysis to determine qualifying income.
How long does it take to close on a home in Miami? +
A typical purchase closes in 21–30 days with conventional financing. Jumbo loans can take 30–45 days. DSCR investment loans can close in as few as 14–21 days with the right lender.
Do you work with buyers on waterfront condos and high-rise properties? +
Yes — and knowing the nuances matters. Condos on barrier islands often require non-warrantable condo financing. Flood zone designations affect insurance requirements and costs, which factor into DTI calculations. Nick has experience with coastal Miami property requirements.

Programs Available in Miami

Find Your Loan Type

DSCR Loans
Qualify on rental income — no W-2s or tax returns required. Ideal for Miami investment properties and vacation rentals.
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Jumbo Loans
Financing above $832,750 for Coral Gables, Coconut Grove, Key Biscayne, and Miami's luxury waterfront market.
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FHA Loans
3.5% down with a 580+ credit score. FHA loan limit in Miami-Dade County is $667,000.
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Ready When You Are

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No obligation to proceed. Real Florida mortgage options from a loan originator who works for you, not a bank. Any credit inquiry will be disclosed before it occurs.

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