Mortgage Broker in MiamiFinancing Dreams Since 1989

Unlike retail banks that can only offer their own restricted loan programs and rates, an independent mortgage broker in Miami works with dozens of wholesale lenders. We shop the entire marketplace on your behalf to find the most competitive mortgage rates, lower closing costs, and flexible guidelines tailored to South Florida buyers and investors.

To get a mortgage loan: 1) Check your credit score and determine your budget; 2) Get pre-approved with an experienced Miami mortgage broker who compares dozens of wholesale lenders; 3) Choose the best loan program (Conventional, FHA, VA, DSCR, or Jumbo); 4) Submit required documentation such as income statements and tax forms; 5) Complete underwriting and property appraisal; and 6) Sign closing paperwork to receive your funds and keys.

To refinance your house: 1) Define your financial goals—whether lowering monthly payments, shortening loan duration, or doing a cash-out refinance to tap home equity; 2) Verify your home equity (usually at least 20% equity provides optimal terms and eliminates PMI); 3) Have a mortgage broker shop wholesale rates across competing lenders; 4) Submit your application and lock your rate; 5) Complete an appraisal and underwriting; and 6) Close the refinance to start saving.

Refinancing is typically beneficial when market interest rates drop by 0.75% to 1% or more, when your home equity has increased significantly (enabling you to remove private mortgage insurance or tap cash through cash-out refinancing), or when you want to convert an adjustable-rate mortgage (ARM) into a predictable fixed rate. Our Miami loan officers can run a free break-even analysis to calculate your net savings.

Requirements vary by loan program. Conventional purchase loans often require a 620+ credit score and as little as 3% down. FHA loans can accept credit scores as low as 580 with 3.5% down. VA and USDA loans offer zero-down payment options for qualifying borrowers, and DSCR investor loans qualify based on rental cash flow rather than personal income.

We offer Rate & Term Refinance (to lower interest rates or alter the loan length), Cash-Out Refinance (to extract built-up equity for home improvements, debt consolidation, or investments), FHA Streamline Refinance, VA Interest Rate Reduction Refinance Loans (IRRRL), and DSCR investor refinancing.

Pre-approvals are typically completed within 24 to 48 hours. From full application to closing, standard purchase loans and refinances generally take between 2 to 4 weeks depending on documentation speed and appraisal scheduling.

Absolutely. We specialize in non-QM financing for self-employed entrepreneurs and business owners, including 12-to-24-month bank statement loans, 1099 profit & loss programs, and DSCR investor loans that do not require personal tax returns.

Affordability depends on your debt-to-income ratio (DTI), credit profile, available down payment, and current interest rates. Use our interactive mortgage calculator above for an estimate, or speak with an advisor for a personalized pre-approval.

Yes. We proudly provide VA loans with zero down payment for eligible veterans and active service members, as well as low-down-payment FHA financing for first-time homebuyers across Florida.