Key West, a gem of the Florida Keys known for its laid-back charm and historical significance, offers a real estate market as unique as its sunsets. Local Jumbo is here to guide you through mortgage solutions for Key West’s range of properties, from quaint conch houses to luxurious waterfront estates.
Dreaming of island living in Key West? Local Jumbo’s network of Jumbo Verified™ lenders is ready to assist, offering competitive rates and tailored mortgage solutions for your Key West home!
Customized Mortgage Strategies for Key West’s Island Properties
In Key West, where every home has a story and the ocean is never far away, your mortgage strategy needs to be as unique as the island itself. Our lenders specialize in crafting solutions for properties throughout Key West, including its prestigious neighborhoods like Old Town and Truman Annex.
- A diverse range of mortgage types for Key West’s eclectic homes: ARMs, FHA, VA, Interest-Only, Jumbo, and conforming loans
- Specialized financing options for Key West’s unique island properties, including 5,7 and 10-year fixed ARM’s, and Land and Construction loans
- Tailored mortgage solutions for Key West and its upscale areas, like Casa Marina and Sunset Key
- Expert lenders with deep insight into Key West’s distinctive real estate market
- Competitive rates for purchasing or refinancing in Key West, including Bridge, Cross-Collateralization, Foreign National, and Construction mortgage loans
Aligning Your Mortgage with Key West’s Island Lifestyle
Whether you’re captivated by the historic charm of Duval Street or the tranquil beauty of Key West’s beaches, our lenders tailor mortgage plans to your property’s unique story and Key West’s enchanting island lifestyle.
2024 FLORIDA CONFORMING LOAN LIMITS BY COUNTY
| County | One-Unit Limit | Two-Unit Limit | Three-Unit Limit | Four-Unit Limit |
| ALACHUA COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BAKER COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BAY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BRADFORD COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BREVARD COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BROWARD COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CALHOUN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CHARLOTTE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CITRUS COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CLAY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| COLLIER COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| COLUMBIA COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| DESOTO COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| DIXIE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| DUVAL COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ESCAMBIA COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| FLAGLER COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| FRANKLIN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| GADSDEN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| GILCHRIST COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| GLADES COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| GULF COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HAMILTON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HARDEE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HENDRY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HERNANDO COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HIGHLANDS COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HILLSBOROUGH COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HOLMES COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| INDIAN RIVER COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| JACKSON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| JEFFERSON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LAFAYETTE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LAKE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LEE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LEON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LEVY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LIBERTY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MADISON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MANATEE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MARION COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MARTIN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MIAMI-DADE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MONROE COUNTY | $929,200 | $1,189,550 | $1,437,900 | $1,786,950 |
| NASSAU COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| OKALOOSA COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| OKEECHOBEE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ORANGE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| OSCEOLA COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| PALM BEACH COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| PASCO COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| PINELLAS COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| POLK COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| PUTNAM COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ST. JOHNS COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ST. LUCIE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SANTA ROSA COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SARASOTA COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SEMINOLE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SUMTER COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SUWANNEE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| TAYLOR COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| UNION COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| VOLUSIA COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| WAKULLA COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| WALTON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| WASHINGTON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
GET YOUR QUOTE TODAY!
SERVING BUT NOT LIMITED TO THE FOLLOWING COMMUNITIES IN AND AROUND KEY WEST
Neighborhoods
New Town, The Meadows & Midtown.
Zip Codes
33040, 33041 & 33045
Counties
Monroe County, Miami-Dade 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 & Saint Lucie County.