Shop for the mortgage loan that meets your needs. Find the array of 5,7 and 10-year fixed ARM’s (Adjustable-Rate Mortgage’s), Interest-Only ARM loans, and 15, 20, 25 and 30-year fixed rate mortgages. Bridge, Cross-Collateralization, Foreign National, Land and Construction mortgage loans are also available.
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2023 FLORIDA CONFORMING LOAN LIMITS BY COUNTY
| County | One-Unit Limit | Two-Unit Limit | Three-Unit Limit | Four-Unit Limit |
| ALACHUA COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| BAKER COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| BAY COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| BRADFORD COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| BREVARD COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| BROWARD COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| CALHOUN COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| CHARLOTTE COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| CITRUS COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| CLAY COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| COLLIER COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| COLUMBIA COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| DESOTO COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| DIXIE COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| DUVAL COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| ESCAMBIA COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| FLAGLER COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| FRANKLIN COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| GADSDEN COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| GILCHRIST COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| GLADES COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| GULF COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| HAMILTON COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| HARDEE COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| HENDRY COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| HERNANDO COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| HIGHLANDS COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| HILLSBOROUGH COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| HOLMES COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| INDIAN RIVER COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| JACKSON COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| JEFFERSON COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| LAFAYETTE COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| LAKE COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| LEE COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| LEON COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| LEVY COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| LIBERTY COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| MADISON COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| MANATEE COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| MARION COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| MARTIN COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| MIAMI-DADE COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| MONROE COUNTY | $874,000 | $1,118,900 | $1,352,450 | $1,680,800 |
| NASSAU COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| OKALOOSA COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| OKEECHOBEE COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| ORANGE COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| OSCEOLA COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| PALM BEACH COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| PASCO COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| PINELLAS COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| POLK COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| PUTNAM COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| ST. JOHNS COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| ST. LUCIE COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| SANTA ROSA COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| SARASOTA COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| SEMINOLE COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| SUMTER COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| SUWANNEE COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| TAYLOR COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| UNION COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| VOLUSIA COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| WAKULLA COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| WALTON COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| WASHINGTON COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
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SERVING BUT NOT LIMITED TO THE FOLLOWING COMMUNITIES IN AND AROUND BAL HARBOR
Neighborhoods
Mid-Beach Miami, Venetian Islands, High Pines, South Beach Miami, Golden Beach, Brickell, La Gorce, Key Biscayne, Fisher Island, Star Island, Sunny Isles, Palm Island, Hibiscus Island & Surfside.
Zip Codes
33154, 33125, 33126, 33127, 33130, 33133, 33134, 33135, 33138, 33140, 33141, 33142, 33143, 33144, 33145, 33147 & 33157
Counties
Miami-Dade County, Monroe County, Broward County, Collier County, Lee County, Hendry County, Palm Beach County, Martin County, Glades County, Charlotte County, Sarasota County, De Soto County, Highlands County, Okeechobee County & Martin County.