MIAMI, FL
Miami Mortgage Loans
Purchase, refinance and specialty financing for Miami buyers and homeowners, with local guidance from Alex El-Ali.
MIAMI
Mortgage guidance in Miami
Alex works with buyers, homeowners and investors across the City of Miami, where condos make up much of the market and many buyers are self-employed or buying from abroad.
The City of Miami offers purchase assistance through its SHIP program, and Miami-Dade County’s Homebuyer Down Payment Assistance may also apply. Funding opens and closes, so check current availability.
Miami at a glance
- Miami-Dade County
- 2026 FHA loan limit (1 unit): $667,000
- 2026 conforming loan limit (1 unit): $832,750
- All Miami-Dade County loan options
Loan limits are set yearly by HUD and FHFA.
LOCAL MARKET SNAPSHOT
Miami homes, jobs and schools
Home prices
- Median single-family sale price: $659,000
- Median condo/townhouse sale price: $330,000
Miami-Fort Lauderdale-West Palm Beach metro, September 2026. Source: Florida Realtors. Metro-wide figures; prices in Miami vary by neighborhood and property type.
Job market
Major employers include Baptist Health South Florida, Jackson Health System, the University of Miami, PortMiami and Miami International Airport, plus finance, trade, tourism and international business.
Unemployment rate: 3.2% (Miami-Fort Lauderdale-West Palm Beach metro, September 2026, not seasonally adjusted). Source: U.S. Bureau of Labor Statistics via FRED.
Schools
Miami is served by Miami-Dade County Public Schools, which earned a “A” district grade from the Florida Department of Education for 2025–26. Individual school grades vary; see FLDOE school grades for specific schools.
KNOW BEFORE YOU BUY
Financing a home in Miami
- Condos. Building approval is often the deciding factor. Florida’s condo safety laws affect many Miami towers, and non-warrantable condo loans cover buildings that don’t meet standard rules.
- International buyers. Foreign national loans work without U.S. credit for second homes and investments.
- Self-employed buyers. Bank statement and 1099 and P&L loans qualify you without full tax returns.
- Higher prices. Many homes and luxury condos need a jumbo loan.
Neighborhoods Alex works in
BrickellDowntown MiamiEdgewaterCoconut GroveLittle HavanaUpper East SideLittle River
GET STARTED
See what you may qualify for
Share a few details and Alex will follow up personally to review your options — usually the same business day. No obligation, and requesting information does not affect your credit.
- Shop 300+ wholesale lenders through NEXA Mortgage
- Clear answers on rates, costs and cash to close
- Pre-approval decisions typically within 24 hours of a complete application
By submitting, you agree to be contacted by phone, text or email about your inquiry. Message and data rates may apply; reply STOP to opt out of texts. Consent is not a condition of any loan. This is not a loan application — please do not include Social Security numbers, account numbers or financial documents. See our Privacy Policy.
EXPLORE MORE
Popular loan programs in Miami
Non-Warrantable Condo LoansForeign National LoansBank Statement LoansJumbo LoansMiami-Dade CountyAffordability Calculator
Not a commitment to lend. Not all applicants qualify. Programs, rates, terms and availability may change without notice. All loans are subject to credit, income, asset and property approval. H. Alex El-Ali, NMLS #1513750, FL LO125697 | NEXA Mortgage, LLC, NMLS #1660690. Equal Housing Lender.
Ready To Take The Next Step?
Talk with Alex about your goals — no pressure, no obligation.