Miami, Miami-Dade County

Miami Mortgage Broker

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

$620,000

Median Home Price

442,241

Population

33101

Primary ZIP

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Get Pre-Approved in Miami

5 minutes · No cost · Soft credit pull only

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NMLS# 1859012 · Equal Housing Lender

Home Loans in Miami

Miami Home Loan Programs

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

Whether you are purchasing your first home in Miamior 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 Miami mortgage rates available in 2026.

Additionally, Miamibuyers 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 Miami

✓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 Miami is approximately $620,000. 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.

Miami Market Data — 2026

CityMiami

CountyMiami-Dade County

ZIP Code33101

Median Price$620,000

Population442,241

Avg Close Time14–21 Days

Broker NMLS#1859012

How It Works in Miami

Apply Online

5 min · soft credit pull only

Rate Lock

We shop lenders for your best rate

Processing

Our team handles paperwork

In Miami — typically 14–21 days

FAQ

Miami Mortgage Questions

How do I find a mortgage broker in Miami, FL?

Mortgage Capital is a licensed Miami 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 Miami market and the specific programs available to Miami buyers. Call us at (561) 300-0380 or apply online for a free consultation.

What is the minimum down payment for a home in Miami?

The minimum down payment in Miami 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 Miami?

Most Miami 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 Miami closing process.

Also Serving Miami-Dade County

Nearby Cities We Serve

Explore Loan Programs

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Ready to Buy in Miami?

Your local Miami 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.