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Now Lending in Melbourne

Melbourne home loans —
the Space Coast.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Melbourne and Brevard County. From the historic Eau Gallie arts district to family communities in Suntree and Viera, we bring local guidance to the Space Coast — with the ability to close in as little as 14 days* and pre-approvals often issued the same day.

Get Pre-Approved Call (561) 299-5825
Space Coast
Brevard County Coverage
14 days*
Close In As Little As
$832,750
2026 Brevard County Conforming Limit
5.0 ★
Google Review Rating
Melbourne Markets

Local lending across
every Melbourne neighborhood.

Melbourne Neighborhoods

Riverfront historic districts, master-planned suburbs, and barrier-island beaches.

  • Downtown & Eau Gallie
  • Suntree & Viera area
  • Melbourne Beach & Indialantic
  • West Melbourne
Aerospace & Beaches

An economy powered by aerospace and defense, minutes from the Atlantic.

  • First-time & relocation financing
  • VA & beach-condo programs
  • Brevard County coverage
  • Minutes to MLB & the beaches
Every Kind of Melbourne Buyer

From first homes to move-up, beach, and investor purchases.

  • First-time & move-up buyers
  • New construction & townhomes
  • VA & FHA financing
  • Investment & rental properties (DSCR)
DowntownEau GallieSuntreeVieraMelbourne BeachIndialanticWest MelbourneCrane CreekLansing Island
Loan Programs in Melbourne

Financing for every
kind of Melbourne buyer.

FHA Loans

3.5% down with flexible credit — the most popular path for first-time Melbourne homebuyers.

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VA Loans

0% down for Melbourne's veterans and active-duty service members. No monthly mortgage insurance.

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Conventional Loans

Fixed and ARM options within the local $832,750 conforming limit for strong-credit borrowers.

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Jumbo Loans

High-balance financing for Melbourne's luxury and higher-priced markets above conforming limits.

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DSCR Loans

Qualify on rental income to scale your Melbourne investment-property portfolio.

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Non-QM Loans

Bank statement and alternative-doc programs for Melbourne's self-employed borrowers.

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FAQ

Melbourne mortgage
questions answered.

We serve homebuyers and homeowners throughout Melbourne and Brevard County, including downtown, Eau Gallie, Suntree, Viera, and the beachside communities of Indialantic and Melbourne Beach, plus the wider Space Coast.
The 2026 conforming loan limit is $832,750 in Brevard County, including Melbourne. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's higher-priced homes.
Melbourne borrowers have access to FHA, VA, conventional, jumbo, Non-QM, DSCR, commercial, private money, and second mortgage / HELOC financing — for primary residences, second homes, and investment properties.

Ready to start your Melbourne home journey?

Get pre-approved today — no cost, no obligation. Melbourne borrowers, let's get you to the closing table.

Start My Application Call (561) 299-5825