Buying a Home in Miami–Fort Lauderdale

Condos, waterfront, and diverse neighborhoods across South Florida

About the Miami–Fort Lauderdale Area

South Florida covers Miami-Dade, Broward, and southern Palm Beach counties, from Miami and Coral Gables to Fort Lauderdale, Hollywood, and Boca Raton. Buyers include first-time owners, move-up families, second-home shoppers, and investors.

Cities & Towns Covered

This guide includes buyers in and around:

Miami
Miami Beach
Coral Gables
Hialeah
Homestead
Fort Lauderdale
Hollywood
Pembroke Pines
Miramar
Pompano Beach
Boca Raton

Don’t see your town? If it’s nearby, I can probably help. Just ask.

What Buyers Here Often Consider

Condominiums and townhomes make up a large share of the market, and many require lender approval and a review of the association’s finances and any special assessments. Flood and homeowners insurance can also be a significant part of the monthly cost.

Mortgage Options for Miami–Fort Lauderdale Buyers

Depending on your qualifications and the property, financing may include conventional loans, FHA loans, VA loans for eligible borrowers, and certain low- or no-down-payment options. Program eligibility, credit requirements, income limits, loan limits, and property rules vary. I can help you check early whether a particular condo is likely to work with the loan you want.

Questions Worth Asking Before You Buy

How much cash will you need for the down payment and closing costs? What monthly payment fits comfortably once taxes, insurance, and any HOA fees are included? The answers depend on your specific situation and current loan pricing.

Let’s Talk About Your Homebuying Plans

I’m Bob French, a mortgage loan officer based in Greater Atlanta. I cover all of Georgia and hold a Florida license, so I can help you compare financing options and understand the numbers.

Schedule Personal Time With Bob →Send a Mortgage Question

Bob French · NMLS #2333469 · David Kilpatrick Financial LLC · NMLS #1574879. This guide is general information, not a loan offer or a commitment to lend. Loan programs, limits, and requirements change and are subject to underwriting and lender requirements.