Mortgage Broker in Hialeah Gardens, FL

Short answer

In Q2 2026 the median Hialeah Gardens house sold for $542,000 and the median townhouse or condo for $306,000, both inside the $667,000 Miami-Dade FHA limit, and houses went under contract in a median of just 9 days. QMS Lending is an independent, bilingual mortgage broker in Miami, FL with 100+ lenders, so you can have a fully underwritten pre-approval ready before the right house hits the market.

A small, fast market: Hialeah Gardens in numbers

Hialeah Gardens is a city of about 23,068 people (2020 census) west of Hialeah, with Medley to the southwest along Okeechobee Road. Very few homes change hands, so each listing draws a crowd. Per Florida Realtors data published by MIAMI REALTORS for Q2 2026 (as of October 2026):

• Single-family: 6 sales at a median of $542,000, down 3.2% year over year. Median 9 days to contract, only 4 active listings and 1.5 months of supply. Sellers received 101.4% of original list price, and none of the 6 sales were cash.
• Townhouse/condo: 10 sales at a median of $306,000, up 30.2% year over year. Median 34 days to contract, 13 active listings, 3.5 months of supply, 96.1% of list price. 2 of 10 were cash.

With samples this small, a single sale can move the median, so treat these as a guide, not a price list. The 2020 census showed a homeowner vacancy rate of 0.3%, which fits what buyers see: almost nothing for sale.

For comparison, the Miami-Dade medians were $675,000 for houses and $425,000 for condos, so Hialeah Gardens remains below the county on both.

How to win an offer when houses sell in 9 days

When sellers get 101.4% of list price, the financing in your offer is judged as hard as the price.

• Get fully underwritten first. A pre-approval where an underwriter has already reviewed income and assets carries more weight than a pre-qualification.
• Plan for an appraisal gap. If you offer over list and the appraisal comes in at list, the difference comes from your cash. Know your limit before you bid; see appraisal gap.
• FHA works here. At $542,000 an FHA loan with 3.5% down is about $523,000 before the upfront premium; at $306,000 it is about $295,300. Sellers in a fast market sometimes prefer conventional, so we will tell you honestly which reads stronger for your file.
• Keep your closing date tight. We can usually target a closing that matches the seller's timeline. Ask about seller concessions only when the house has been listed a while.

Read FHA vs conventional in Miami-Dade for the side-by-side math.

Property taxes in Hialeah Gardens for 2026

Hialeah Gardens' 2026 adopted total millage is 19.6675 mills, about 1.97% of taxable value, per the Miami-Dade Property Appraiser (as of October 2026). The city's operating rate is 4.6782 mills, lower than Miami Springs (6.8100) and North Miami Beach (6.1000), though above the 1.9090 municipal-services rate in unincorporated Miami-Dade.

The rest is county (4.5740 plus 0.3937 debt), school board (5.4990 plus 1.0000 voted and 0.1240 debt), fire rescue (2.3965), library (0.2812), Children's Trust (0.4638) and the water districts.

• On a $542,000 house: roughly $10,700 a year before exemptions, estimated at the purchase price.
• On a $306,000 townhouse: roughly $6,000 a year, plus any HOA fee.

Apply for the homestead exemption after you move in. The Save Our Homes cap then limits yearly increases in assessed value. Budget at your price, not the seller's bill, since the cap resets on sale.

Flood risk on the western edge of the county

Hialeah Gardens sits at about 7 feet of elevation, and about 0.45 of its 3.67 square miles is water. Miami-Dade's mitigation plan counts 29 residential repetitive-loss properties in the city in 2024 and lists no CRS class for it (as of October 2026).

• Look up the exact parcel on the county flood zone tool or the FEMA Flood Map Service Center. The effective maps date from 2009, and FEMA's 2021 preliminary maps are not yet effective, so a zone can change in the future.
• In a Special Flood Hazard Area, flood insurance is required on a federally backed loan and is counted in your monthly payment. Outside one, a policy is optional but often inexpensive. See what is a flood zone.
• Ask for a wind mitigation report on any house; impact windows and a newer roof can cut the windstorm premium that your lender escrows. Older homes may also need a 4-point inspection.

Down payment help and Spanish-first loan options

We did not find a city-run purchase assistance program in Hialeah Gardens as of October 2026. The City of Hialeah's SHIP program serves Hialeah, not Hialeah Gardens. Buyers here use:

• Miami-Dade County Homebuyer Down Payment Assistance: up to $35,000 at 0%, deferred up to 30 years, for first-time buyers earning under $95,620 (one person) to $136,500 (four); 1% buyer contribution; fixed-rate first mortgage.
• MDEAT Homeownership Assistance Program: up to $28,500 at or below 80% of AMI, or $14,500 up to 140% of AMI, forgiven after 20 years. Townhomes and condos qualify.
• Florida Hometown Heroes: $10,000 to $35,000 for eligible full-time Florida workers.
• QMS's own forgivable down payment grant on eligible loans.

About 94% of residents are Hispanic or Latino, and many buyers are self-employed or paid in ways a bank form does not capture. We work the whole file in Spanish. Options include bank statement loans, ITIN loans for buyers without a Social Security number (see ITIN loans in Hialeah), and VA loans with 0% down for eligible veterans.

Why work with QMS Lending in Hialeah Gardens

The 2026 Miami-Dade FHA limit is $667,000 and the conforming limit is $832,750 (as of October 2026), so nearly every Hialeah Gardens purchase fits standard programs. Investors buying a rental can use DSCR loans, which are business-purpose loans and not for a home you live in.

QMS Lending is an independent mortgage broker in Miami, FL, founded in 2018 (NMLS #1781090), led by Michael Fernandez, NMLS #1491775, President. We shop one application across 100+ lenders, the team works in English and Spanish, and clients rate us 4.9 stars across 200+ Google reviews. Rates vary daily; call 305-425-1990 for today's pricing. Subject to credit approval. Equal Housing Opportunity.

Down payment help for Hialeah Gardens buyers

• Miami-Dade County Homebuyer Down Payment Assistance Up to $35,000, 0% interest, deferred up to 30 years; income under $95,620 (1 person) to $136,500 (4); 1% buyer contribution; first-time buyers; fixed-rate first mortgage; CLTV up to 105%; shared equity if sold within 6 years. ↗
• MDEAT Homeownership Assistance Program (HAP) Up to $28,500 (80% AMI or below) or $14,500 (above 80% up to 140% AMI); 0%, no payments, forgiven after 20 years of owner occupancy; no price cap; 2-4 unit properties ineligible. ↗
• Florida Hometown Heroes Up to 5% of the first mortgage, $10,000 minimum to $35,000 maximum, 0% deferred 30-year second, not forgivable; first-time buyers working full time for a Florida employer in eligible jobs. ↗

Nearby cities

HialeahMiami LakesMiami SpringsDoral