Miami Mortgage BrokerLocal Rates. South Florida Coverage.
Last updated July 31, 2026
ABS Funding helps Miami homebuyers, condo owners, and investors finance properties across Miami-Dade County - from downtown high-rises and Brickell condos to Coral Gables estates and international-buyer purchases. Competitive rates and fast, local service.
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Why Work With a Miami Mortgage Broker?
Miami's housing market has its own rhythms. A local broker understands the details that matter - from property taxes to neighborhood dynamics.
Condo & Warrantability Expertise
Miami's condo market is unlike any other. Post-Surfside rules on reserves, structural inspections, and warrantability changed the game - we vet buildings early so your closing doesn't stall.
Insurance & HOA Costs Priced In
Florida's insurance market and Miami HOA dues can swing your payment by hundreds. We build accurate PITIA estimates up front so you know exactly what you can afford.
International & Cash-Out Buyers
Miami attracts buyers from across the U.S. and abroad. We offer foreign national programs, delayed-financing cash-out, and portfolio options that traditional banks miss.
Investor & STR Programs
We finance Miami investors with DSCR loans qualified on rental income - ideal for Brickell, Wynwood, and Miami Beach short-term and long-term rentals. See our Miami DSCR loan page for investor-specific details.
Financing Homes & Condos Across Miami-Dade
From Brickell high-rises to Coral Gables estates and Miami Beach waterfront.
Mortgage Programs for Miami Buyers & Investors
We shop the full loan menu to match your Miami property and financial goals.
Condo Loans
Post-Surfside expertise on warrantability, HOA reviews, and reserve studies for Brickell, Edgewater, and Miami Beach towers.
Jumbo Loans
Financing above conforming limits for Coral Gables, Coconut Grove, Key Biscayne, and Miami Beach luxury homes.
Conventional Loans
Competitive rates for Miami buyers with strong credit across Miami-Dade County.
FHA Loans
Low down payment options for first-time Miami buyers in Kendall, Doral, and Hialeah.
VA Loans
Zero-down financing for veterans and active-duty service members across South Florida.
Foreign National Loans
Programs for international buyers purchasing Miami investment properties and second homes.
DSCR Loans
Investor financing based on rental income for Miami short-term rentals and long-term rentals. See our dedicated Miami DSCR loan page for investor-specific details.
Miami Mortgage Tools & Resources
Explore loan programs, check today's rates, and run the numbers for your Miami property.
Mortgage Calculators
Run payment, affordability, and refinance scenarios for any Miami home.
All CalculatorsMiami Neighborhoods We Serve
From starter homes to luxury properties and investor deals - we finance across the metro.
Also serving Homestead, Hialeah, Cutler Bay, Palmetto Bay, Sunny Isles Beach, and the greater Miami-Dade metro area.
Trusted by Homeowners Across Florida
ABS Funding has helped over 15,250 clients with more than $5 billion in funded loans. Our Florida team is known for fast responses, transparent advice, and competitive pricing.
Meet the TeamMiami Mortgage FAQs
Answers to common questions from Miami homebuyers and investors.
Get Your Miami Mortgage Quote Today
Start your pre-approval online or speak with a Miami loan expert. No obligation, no hidden fees, and a pre-approval letter you can use right away.