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Coral Gables, Miami-Dade County

Coral Gables Mortgage Broker

Your licensed Coral Gables Mortgage Brokerfor FHA, Conventional, VA, USDA & Down Payment Assistance home loans. As a trusted mortgage broker serving Coral Gables and all of Miami-Dade County, we close loans in 14–21 days with honest rates and no surprises.

$1,100,000

Median Home Price

51,145

Population

33134

Primary ZIP

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Get Pre-Approved in Coral Gables

5 minutes · No cost · Soft credit pull only

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NMLS# 1859012 · Equal Housing Lender

Home Loans in Coral Gables

Coral Gables Home Loan Programs

Mortgage Capital is your local Coral Gables Mortgage Broker — licensed, experienced, and committed to getting Coral Gables home buyers into the right loan program at the best available rate.

Whether you are purchasing your first home in Coral Gablesor refinancing an existing mortgage, our team provides personalized guidance from application to closing. Furthermore, as a mortgage broker — not a bank — we shop dozens of lenders to find you the most competitive Coral Gables mortgage rates available in 2026.

Additionally, Coral Gablesbuyers have access to Florida's Down Payment Assistance programs, including the Hometown Heroes mortgage (up to $35,000 for first responders & educators) and Florida Housing Finance Corporation programs. Because every borrower's situation is unique, we start with a free consultation to identify the best fit.

Available Loan Programs in Coral Gables

✓FHA loans with as little as 3.5% down

✓Conventional loans from 3% down

✓VA loans — $0 down for veterans

✓Down Payment Assistance — Hometown Heroes & FL Housing

✓Jumbo loans for higher-priced homes

✓DSCR investment loans — no W2 needed

The median home price in Coral Gables is approximately $1,100,000. However, prices vary significantly by neighborhood and property type. As a result, the right loan program — and the right down payment strategy — depends on your specific target price range and financial situation.

Coral Gables Market Data — 2026

CityCoral Gables

CountyMiami-Dade County

ZIP Code33134

Median Price$1,100,000

Population51,145

Avg Close Time14–21 Days

Broker NMLS#1859012

How It Works in Coral Gables

Apply Online

5 min · soft credit pull only

Rate Lock

We shop lenders for your best rate

Processing

Our team handles paperwork

In Coral Gables — typically 14–21 days

FAQ

Coral Gables Mortgage Questions

How do I find a mortgage broker in Coral Gables, FL?

Mortgage Capital is a licensed Coral Gables Mortgage Broker (NMLS# 1859012). However, choosing the right broker matters because not all lenders offer the same programs or service. Because we are locally based in South Florida, we know the Coral Gables market and the specific programs available to Coral Gables buyers. Call us at (561) 300-0380 or apply online for a free consultation.

What is the minimum down payment for a home in Coral Gables?

The minimum down payment in Coral Gables depends on the loan program. For example, FHA loans require 3.5% down with a 580+ credit score, while Conventional loans start at 3% for qualifying first-time buyers. Furthermore, VA loans offer $0 down for eligible veterans, and USDA loans offer $0 down in eligible rural zones. Additionally, the Florida Hometown Heroes DPA can provide up to $35,000 in assistance, dramatically reducing what you need at closing.

How long does it take to close on a home in Coral Gables?

Most Coral Gables home loans close in 14–21 days with Mortgage Capital. Furthermore, our pre-approval process typically takes less than 24 hours. However, timelines can vary based on loan type, property condition, and seller cooperation. As a result, having a fully underwritten pre-approval letter from day one is the best way to strengthen your offer and accelerate the Coral Gables closing process.

Also Serving Miami-Dade County

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Ready to Buy in Coral Gables?

Your local Coral Gables Mortgage Broker— 5-minute pre-approval, honest rates, fast closing.

(561) 300-0380

Rates are illustrative only. APR and payments vary by credit score, loan amount, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.