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South Florida · FloridaMortgage lender in Miami-Dade County, FL
Yes. Stellar Mortgage Corporation, NMLS #2190975, is licensed in Florida and makes purchase and refinance loans in Miami-Dade County: conventional, FHA, VA, USDA, jumbo and non-QM. Steve Umansky, NMLS #61764, is our licensed loan officer for Florida. For 2026 the one-unit conforming loan limit here is $832,750 and the FHA limit is $667,000.
Reviewed by Steve Umansky, Sr. Branch Manager, NMLS #61764,
Buying in Miami-Dade County
Miami-Dade County, with its county seat in Miami, also takes in Hialeah, Miami Gardens, Miami Beach, Homestead, Coral Gables and Doral. Miami-Dade County files are handled by Steve Umansky, Sr. Branch Manager, NMLS #61764, who is licensed in Florida, from our Southampton, PA office.
- 2026 conforming limit
- $832,750
- 2026 FHA limit
- $667,000 (one-unit, set by HUD)
- Above the conforming limit
- Jumbo pricing
- Closing commonly handled by
- title company
- State housing agency
- Florida Housing Finance Corporation (general information; not a participating lender)
- Your officer
- Steve Umansky, NMLS #61764
2026 limits for a one-unit property. Miami-Dade County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.
Miami-Dade County: condominiums, insurance and flood zones
Condominiums are a very large share of sales, and Florida condominium law now requires older buildings to complete structural inspections and fund reserves. Lenders review the association’s budget, reserves, insurance and any special assessments, and some buildings do not qualify for standard financing, so name the building before you make an offer.
Much of the county is in a mapped flood zone, and wind coverage is a major part of homeowners insurance, so we ask for insurance quotes at the start and put real numbers in the payment. Miami-Dade’s documentary stamp tax on deeds is calculated differently from the rest of Florida. Many buyers are self-employed; their income is taken from tax returns, and other documentation options exist for some borrowers.
Miami-Dade County by the numbers
- Median home value
- $463,000 (Census Bureau, ACS 2020–2024, table B25077)
- Typical property tax
- About 0.81% of home value a year: median tax bill $3,744 on a median value of $463,000 (Census Bureau, ACS 2020–2024, table B25103)
- Transfer tax
- Documentary stamp tax of 60 cents per $100 of the price in Miami-Dade County, plus a surtax that does not apply to a single-family home (Florida Department of Revenue, documentary stamp tax)
- Largest communities
- Miami, Hialeah, Miami Gardens, Homestead (Census Bureau, ACS 2020–2024, table B01003)
The county median home value is $463,000. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $667,000.
Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.
Closing and programs in Florida
Closings in Florida are typically handled by a title company. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the Florida page. Property taxes are set locally; we take the figure from the tax record for the address.
Questions Miami-Dade County buyers ask
Does Stellar Mortgage lend in Miami-Dade County, FL?
Yes. Stellar Mortgage Corporation, NMLS #2190975, is licensed in Florida and makes purchase and refinance loans in Miami-Dade County: conventional, FHA, VA, USDA, jumbo and non-QM. Steve Umansky, NMLS #61764, is our licensed loan officer for Florida and works Florida files from our Southampton, PA office by phone, secure portal and e-signature.
What are the 2026 loan limits in Miami-Dade County?
For 2026 the conforming loan limit for a one-unit home in Miami-Dade County is $832,750 and the FHA limit is $667,000. Miami-Dade County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Limits for two- to four-unit properties are higher.
Is there down payment help for buyers in Miami-Dade County?
The Florida Housing Finance Corporation runs Florida’s homebuyer programs, which can include help with the down payment and closing costs for buyers who meet its income and price limits. Stellar Mortgage is not a participating lender for those programs, so this is general information; the agency’s website lists participating lenders.
Who pays the transfer tax in Miami-Dade County?
The documentary stamp tax on a deed is 70 cents per $100 of the price in every county except Miami-Dade, where it is 60 cents per $100 plus a surtax that does not apply to a single-family home. All parties to the deed are legally liable; the contract says who pays.
Limits shown are the 2026 FHFA and HUD figures for Miami-Dade County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.
Get pre-approved in Miami-Dade County
Three quick steps, about a minute. No Social Security number, no pay stubs. Steve calls you back, usually the same business day.
Equal Housing Lender · NMLS #2190975 4.94★ · 1,361 verified reviews on Experience.com
“You were always professional, responsive, patient, and helpful, and you made what could have been a stressful process feel smooth and easy.”Yelda A., North Wales, PA · verified review on Experience.com
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