Brickell · Coral Gables · Coconut Grove

Miami
Mortgages

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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, we compare options across C2 Financial's 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 offer a low down payment and have flexible credit guidelines; minimum scores vary by lender.
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? +
Timelines depend on the loan program, appraisal, title and how quickly documents come in. We will map out a realistic timeline for your contract before you commit.
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. We have 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
Low down payment and flexible credit; minimum scores vary by lender. FHA loan limit in Miami-Dade County is $667,000.
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Part of Miami-Dade County · South Florida · Lending across Florida