Learn: mortgage guides for South Florida
Every guide answers one question in the first sentence, then shows the math. Reviewed by a licensed loan officer.
Condos
How much is the down payment on a condo in Miami?Most Miami condo buyers put down between 3% and 25%: as little as 3% with a conventional loan on a primary residence, 3.5% with FHA, 10% on …How to finance a non-warrantable condo in FloridaA non-warrantable condo is financed with a non-QM or portfolio lender that does its own project review instead of Fannie Mae's; across our 1…
Loan programs
FHA loan limits in Miami-Dade and Broward for 2026The 2026 FHA loan limit in Miami-Dade and Broward counties is $667,000 for a 1-unit home, $853,900 for 2 units, $1,032,150 for 3 units, and …How jumbo loans work in Coral Gables and PinecrestA jumbo loan is any mortgage above the 2026 conforming limit of $832,750 for a 1-unit home in Miami-Dade, and in Coral Gables and Pinecrest …
ITIN and foreign buyers
Can I get a mortgage with an ITIN in Florida?Yes. You can buy a home in Florida with an Individual Taxpayer Identification Number (ITIN) instead of a Social Security number, through ITI…How do foreign nationals get a mortgage in Miami?Foreign nationals get a mortgage in Miami through foreign national loan programs offered by non-QM and portfolio lenders, which do not requi…
Buying a home
How the Florida Hometown Heroes program works in 2026Florida Hometown Heroes gives eligible full-time workers up to 5% of the first mortgage amount, with a minimum of $10,000 and a maximum of $…Mortgage broker vs. bank: which is better in Miami?A mortgage broker shops your loan across many lenders and is paid a disclosed fee by either you or the lender, never both; a bank lends you …
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