Miami Mortgage Company & Local Home Loan ExpertsLocal Rates. South Florida Coverage.
Last updated August 21, 2026
ABS Home Mortgage, Inc. 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.
Toll Free: 1-866-666-2378 (866-666-BEST)
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Why Work With a Miami Mortgage Company?
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.
Competitive Mortgage Rates & Loan Programs in Miami, FL
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 CalculatorsUnderstanding Miami-Dade County Property Taxes & Home Buying Math
The median home price in Miami is currently around $605,000, and that number is only half the story. What decides your approval is the full monthly payment - principal, interest, taxes, insurance, and any HOA dues - measured against your gross monthly income.
Miami-Dade County and Broward County assess property differently, and effective tax rates in this market run near 1.02%. Two homes at the same price can carry monthly tax escrows that differ by several hundred dollars depending on the taxing district, school levy, and whether homestead or senior exemptions are in place. A newly built or recently reassessed home can also see its bill jump the year after closing, which is why we underwrite to the forward tax figure rather than the seller's current bill.
Local demand here is anchored by Jackson Health System, University of Miami, PortMiami and Miami International Airport, Brickell financial district, and Baptist Health South Florida. Strong school districts and employment centers hold values up, but they also push tax levies higher - a trade-off that shows up directly in your qualifying numbers.
In practical terms: every $250 of monthly property tax consumes roughly $250 of debt-to-income (DTI) capacity, which can reduce your maximum loan amount by tens of thousands of dollars. Most programs want your total DTI at or below 43-50% depending on loan type and compensating factors. We model your Miami scenario with real county tax data, insurance quotes, and exemption timing before you write an offer - so your pre-approval holds up in underwriting instead of shrinking at the closing table.
Toll Free: 1-866-666-2378 (866-666-BEST)
Miami Neighborhoods & Surrounding Areas We Serve
From starter homes to luxury properties and investor deals - we finance across the metro.
Surrounding areas we lend in: Coral Gables, Miami Beach, Doral, Aventura, Brickell. Compare today's mortgage rates, run the numbers with our DSCR calculator and mortgage calculators, or request a Miami rate quote.
Also serving Homestead, Hialeah, Cutler Bay, Palmetto Bay, Sunny Isles Beach, and the greater Miami-Dade metro area.
Trusted by Homeowners Across Florida
ABS Home Mortgage, Inc. 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 TeamFrequently Asked Questions About Miami Mortgages
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.
Toll Free: 1-866-666-2378 (866-666-BEST)
ABS Home Mortgage, Inc. | NMLS ID #209985 | NMLS Consumer Access
ABS Home Mortgage, Inc. holds Florida Mortgage Broker License #MBR4304, NMLS ID #209985. Regulated by the Florida Office of Financial Regulation.
Equal Housing Lender. Not a commitment to lend. Rates, terms, and programs subject to change without notice and subject to borrower and property qualification. See our licensing page for full details.