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Now Lending in Key West

Key West home loans —
the Conch Republic.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Key West and Monroe County. From historic conch houses in Old Town to waterfront estates in Casa Marina, we bring local guidance to the southernmost city — 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
The Florida Keys
Monroe County Coverage
14 days*
Close In As Little As
$990,150
2026 Monroe County Conforming Limit
5.0 ★
Google Review Rating
Key West Markets

Local lending across
every Key West neighborhood.

Key West Neighborhoods

Historic Old Town conch houses alongside gated waterfront enclaves.

  • Old Town & the Historic District
  • Casa Marina & the Atlantic shore
  • Truman Annex & the Waterfront
  • New Town & the Lower Keys
High-Cost Island Market

Monroe County is Florida's only high-cost conforming area, with a higher loan limit.

  • Jumbo & high-balance financing
  • Second homes & seasonal residences
  • Monroe County coverage
  • Serving the full Florida Keys
Every Kind of Key West Buyer

From in-town homes to luxury, second-home, and investor purchases.

  • Move-up & relocation buyers
  • Jumbo financing for waterfront luxury
  • Second homes & seasonal residences
  • Investment & rental properties (DSCR)
Old TownCasa MarinaTruman AnnexNew TownThe MeadowsBahama VillageMidtownThe Lower KeysStock Island
Loan Programs in Key West

Financing for every
kind of Key West buyer.

FHA Loans

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

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VA Loans

0% down for Key West's veterans and active-duty service members. No monthly mortgage insurance.

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Conventional Loans

Fixed and ARM options within the local $990,150 conforming limit for strong-credit borrowers.

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Jumbo Loans

High-balance financing for Key West's luxury and higher-priced markets above conforming limits.

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DSCR Loans

Qualify on rental income to scale your Key West investment-property portfolio.

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Non-QM Loans

Bank statement and alternative-doc programs for Key West's self-employed borrowers.

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FAQ

Key West mortgage
questions answered.

We serve homebuyers and homeowners throughout Key West and Monroe County, including Old Town, Casa Marina, Truman Annex, New Town, and Bahama Village, plus the wider Florida Keys.
The 2026 conforming loan limit is $990,150 in high-cost Monroe County (the Florida Keys), including Key West — higher than the $832,750 baseline that applies in most Florida counties. Loan amounts above that limit are financed as jumbo loans, which we offer for the Keys' luxury and waterfront homes.
Key West 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 Key West home journey?

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

Start My Application Call (561) 299-5825