The Miami mortgage market
Miami is a global luxury market with significant condo inventory, foreign buyer activity, and investor demand.
Condo financing rules and foreign national programs are common in Miami transactions.
Top loan programs in Miami
- Jumbo — commonly used by Miami buyers in this market.
- Conventional — commonly used by Miami buyers in this market.
- Foreign National — commonly used by Miami buyers in this market.
- DSCR — commonly used by Miami buyers in this market.
How to qualify for a mortgage in Miami
Qualifying for a mortgage in Miami follows the same core process as anywhere in Florida: lenders review your credit score, debt-to-income ratio, down payment, and income documentation. The right loan program depends on the property type, your goals, and how the home will be used.
- Primary residences: conventional, FHA, VA, or USDA depending on credit and down payment.
- Second homes: typically conventional or jumbo with 10–20% down.
- Investment properties: conventional investor loans (20–25% down) or DSCR loans based on rental income.
Get pre-approved for a Miami mortgage
Tayton Capital is a mortgage brokerage licensed in Colorado and Florida, helping buyers across South Florida — including Miami — find the right loan program at a competitive rate. We work with conventional, FHA, VA, USDA, jumbo, and DSCR lenders to match each borrower with the best fit.
Get your Miami loan options
See what you qualify for — fast, free, no obligation.