Miami home loans, done right.

Miami is the most internationally connected housing market in Florida and one of the most competitive in the country. Demand comes from every direction at once: local families, relocating professionals from the Northeast and West Coast, entrepreneurs drawn by the growing finance and technology presence, and buyers from Latin America and Europe who have made Miami their base. With a median sale price around $652,000 in the city, this is the priciest of Florida's major metros, and a meaningful share of transactions close in cash. That last fact matters for financed buyers. In a market where sellers can choose a cash offer, your financing has to be airtight. A fully underwritten pre approval and a broker who closes on schedule are not luxuries here. They are the price of admission.

Condos define a huge share of the Miami market, and condo financing is where more Miami deals fall apart than anywhere else. For conventional or FHA financing, the building itself has to qualify, not just you. Lenders review the association's budget, reserves, insurance, and structural condition, and since 2021 that review has become far more rigorous across the industry. Many Miami buildings do not pass, which makes them non warrantable and moves the financing to portfolio and specialty lenders with different terms. I vet the building before you go under contract, so you know exactly which financing path applies before you have money at risk. If you are shopping in Brickell, Edgewater, downtown, or Miami Beach, this single step can save you a failed contract.

Jumbo lending is standard business in Miami. The 2026 conforming limit for Miami-Dade County is $832,750 for a single family home, and large parts of the market, from Coconut Grove and Coral Gables to the beaches, trade above it. Jumbo lenders vary widely on rate, reserve requirements, and how they treat complex income. As an independent broker with access to 45 wholesale lenders, I shop that market rather than presenting one bank's answer, and the difference on a seven figure loan is real money.

Miami is also a city of business owners, and self employed financing is a core part of my practice. Bank statement and 1099 programs qualify you on actual cash flow rather than the adjusted gross income your accountant worked hard to minimize. For investors, DSCR loans qualify a rental property on the income it produces, which fits Miami's deep rental demand and lets portfolios grow without personal income caps. Wherever you are buying from, the process runs digitally end to end, and you do not need to be in Florida until closing day.