Home Loans in South Florida

We offer comprehensive mortgage services including home purchase loans, refinancing, conventional loans, FHA loans, VA loans, jumbo loans, and alternative loan programs like bank statement loans, asset-based loans, and doctor mortgage programs.

Getting pre-qualified is easy! Simply click 'Get Pre-Qualified' on our website, complete the online application, and our team will review your information and provide a pre-qualification letter typically within 24-48 hours. You'll need to provide documentation of your income (pay stubs, W-2s, or tax returns for self-employed), credit history, and assets (bank statements). For first-time buyers in Florida, we can finance up to 97% LTV (only 3% down) on conventional loans, or 96.5% LTV with FHA financing. Our streamlined online application takes just 2-3 minutes, and our bilingual team guides you through every step. Once pre-qualified, you'll receive a formal letter to present to sellers when making an offer.

Mortgage rates vary based on multiple factors including loan type, credit score, down payment amount, property type, and current market conditions. We offer competitive rates on all loan programs including conventional, FHA, VA, USDA, jumbo, DSCR investment loans, bank statement loans, and reverse mortgages. Rates change daily based on Treasury yields and Federal Reserve policy, so we recommend checking with us for the most current pricing. For example, conventional 30-year fixed rates typically suit primary homeowners with 740+ credit, while DSCR loans may have slightly higher rates reflecting the investment property risk. We also offer rate-lock options to protect your rate during the loan process. Call (305) 669-2696 or visit our website for a personalized rate quote tailored to your specific situation and loan program.

Absolutely! We specialize in helping first-time home buyers achieve homeownership in Miami and throughout Florida. We offer multiple low-down-payment options including FHA loans with just 3.5% down (credit score 580+), conventional loans with as little as 3% down (Freddie Mac Home Possible or Fannie Mae HomeReady), and VA loans with zero down payment for eligible veterans. Florida residents also have access to down payment assistance (DPA) programs like the FL Hometown Heroes program, which provides up to $25,000 in forgivable loans for first responders, healthcare workers, teachers, and other eligible professionals. In Miami-Dade County, the median home price hovers around $500,000-$600,000, meaning a 3% down payment on a typical starter home is approximately $15,000-$18,000. Our team will help you explore all available programs, navigate the paperwork, and get you to the closing table. We also provide educational resources throughout the process to ensure you understand every step from application to closing.

We serve all of Florida! While we're based in South Florida, we provide mortgage services throughout the entire state including Miami, Coral Gables, South Miami, Doral, Pinecrest, Palmetto Bay, Cutler Bay, North Miami, Homestead, Miami Gardens, Kendall, West Miami, North Miami Beach, Miami Beach, Miami Springs, Key Biscayne, Key Largo, Islamorada, Marathon, Fort Lauderdale, Broward County, Tampa, Orlando, Jacksonville, Tallahassee, Gainesville, Naples, Sarasota, and all other Florida cities and counties.

The typical mortgage process takes 30-45 days from application to closing. Our streamlined process and local expertise help ensure faster turn times and smoother closings for our clients.