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.
Explore loan programs in Miami
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 an independent mortgage broker licensed in Colorado and Florida, helping buyers across South Florida — including Miami — find the right loan program at a competitive rate. As a broker we shop conventional, FHA, VA, USDA, jumbo, and DSCR lenders to match each borrower with the best fit.
What clients say about working with us near Miami
All 198+ reviews →"Taylor simply made our American Dream come true. We are truly grateful for his effort, patience, and all the knowledge he shared with us while helping us secure our first-time home buyers mortgage loan."
"This was our second time using Tayton Capital and could not be happier with our experience. All the documentation and information was clearly explained and easy to process. Highly recommend this company for future buyers!"
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See what you qualify for — fast, free, no obligation.