Mortgage Loans in Miami, FL
Miami's housing market attracts buyers from every corner of the world — and financing here reflects that complexity.
From Brickell high-rises to Coconut Grove single-family homes, the type of loan that makes sense depends heavily on the neighborhood, the property type, and whether you're a domestic or international buyer.
MARKET SNAPSHOT
Miami Market Overview
~$581K
Median home price
(May, 2026)
96
Days on market
Single-family homes
13.7 months
Condo inventory
Buyer’s market
37%
Cash transactions
Share of home sales
International buyer demand
remains strong.
LOAN PROGRAMS
Financing Solutions
That Fit Your Needs
01
Jumbo Loans
Brickell, Miami Beach & Coconut Grove
02
FHA Loans
First-time buyers in Little Havana & nearby areas
03
DSCR / Investor Loans
Built for real estate investors & rental properties
04
Foreign National Loans
Financing for international buyers without U.S. credit history
05
Portfolio Loans
Flexible options for non-warrantable condos
KEY NEIGHBORHOODS
Explore Miami
Most Desirable Neighborhoods
From luxury condos to historic homes, explore Miami neighborhoods with a lifestyle to match every vision.
Brickell
A dynamic financial district with luxury high-rises and a predominantly condo market.
Luxury
High-Rise Living
Condos
Coconut Grove
A lush, established neighborhood known for historic homes and a relaxed, family-friendly atmosphere.
Greenery
Historic Homes
Family Living
Wynwood
An arts-driven district with a creative identity, mixed-use development, and rapidly evolving real estate.
Arts & Culture
Mixed-Use
Growing Market
Little Havana
A culturally rich neighborhood offering a distinctive Miami lifestyle and a more accessible entry point.
Culture
Local Character
Great Value
Edgewater
A waterfront neighborhood of modern mid-rises with a rapidly growing residential presence.
Waterfront
Mid-Rise Living
Growing Area
LOCAL INSIGHTS
A significant portion of Miami condo buildings are still not FHA-approved, limiting financing options for first-time buyers in popular neighborhoods.
Buyers who assume a condo can be financed like a single-family home often get surprised during underwriting.
READY TO BUY IN
Buying
in Miami?
Let's figure out the right loan — your situation is probably more straightforward than you think.
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Free consultation
Get expert answers to your questions.
Personalized guidance
Solutions tailored to your unique needs.
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