Mortgage Lender in Miami, Florida

The FHA loan limit for a single-family home in Miami-Dade County is $621,000. This higher limit reflects the county's elevated home prices compared to much of the state. Borrowers purchasing above this limit may qualify for a conventional or jumbo loan.

Yes, but condo financing requires the building's HOA to meet lender warrantability standards. Not all Miami condo buildings are approved for FHA or conventional financing. Home Financial Group works with condo-eligible programs and can advise which buildings qualify.

Many properties in Miami-Dade County are in FEMA-designated flood zones and require flood insurance as a condition of the mortgage. The cost varies by zone, elevation, and property type. Your lender will confirm whether flood insurance is mandatory for your specific property.

Yes. Miami has a large population of self-employed professionals, small business owners, and entrepreneurs. Home Financial Group offers bank statement loans, P&L only loans, asset depletion, and DSCR programs specifically for borrowers with non-traditional income documentation.

Yes. Home Financial Group offers foreign national mortgage programs for non-resident buyers purchasing property in Miami. These programs typically require a larger down payment and may have different documentation requirements than domestic loans.