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Now Lending in Miami-Dade

Miami-Dade home loans —
from Brickell to the beaches.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Miami-Dade County. From high-rise condos in Brickell and Miami Beach to single-family homes in Coral Gables and Pinecrest, we bring local guidance to Florida's largest metro — 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
Greater Miami
Miami-Dade County Coverage
14 days*
Close In As Little As
$832,750
2026 Miami-Dade County Conforming Limit
5.0 ★
Google Review Rating
Miami-Dade Markets

Local lending across
every Miami-Dade neighborhood.

Miami-Dade Neighborhoods

From walkable urban cores and barrier-island condos to established family suburbs.

  • Brickell & Downtown Miami
  • Coral Gables & Coconut Grove
  • Miami Beach & Aventura
  • Doral, Kendall & Pinecrest
Gateway to the Americas

An international market driven by finance, trade, tourism, and global buyers.

  • Condo & high-rise financing
  • Foreign-national & Non-QM options
  • Miami-Dade County coverage
  • Minutes to MIA & PortMiami
Every Kind of Miami Buyer

From first-time condo buyers to luxury waterfront and investor purchases.

  • First-time & move-up buyers
  • Condos, townhomes & new construction
  • Jumbo financing for luxury & waterfront
  • Investment & rental properties (DSCR)
BrickellCoral GablesMiami BeachCoconut GroveDoralAventuraKendallPinecrestWynwood
Loan Programs in Miami-Dade

Financing for every
kind of Miami-Dade buyer.

FHA Loans

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

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VA Loans

0% down for Miami-Dade'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 Miami-Dade's luxury and higher-priced markets above conforming limits.

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DSCR Loans

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

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Non-QM Loans

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

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FAQ

Miami-Dade mortgage
questions answered.

We serve homebuyers and homeowners throughout Miami-Dade County, including Brickell, Coral Gables, Coconut Grove, Miami Beach, Doral, Aventura, Kendall, and Pinecrest.
The 2026 conforming loan limit is $832,750 in Miami-Dade County. Loan amounts above that limit are financed as jumbo loans, which we offer for Miami's luxury and waterfront markets.
Miami-Dade 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 Miami-Dade home journey?

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

Start My Application Call (561) 299-5825