Miami Mortgage Broker
Your licensed Miami Mortgage Broker for Conventional, Jumbo, VA & investment property financing. We are a trusted mortgage broker serving Miami and all of Miami-Dade County. We shop multiple lenders for your rate and keep the file moving, with no surprises at the table.
Miami Mortgage Questions
How do I find a mortgage broker in Miami, FL?
Mortgage Capital is a licensed Miami Mortgage Broker (NMLS# 2337695). Choosing the right broker matters, since not every lender offers the same programs or service. We are based in South Florida. So we know the Miami market and the programs that fit 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?
On a $620,000 Miami home, conventional financing typically starts at 5–20% down. Qualified first-time buyers can still go as low as 3%. VA stays $0 down for eligible veterans. Where the loan crosses the conforming limit, a low-down jumbo may apply. We will show you exactly where that line falls for your Miami purchase.
How long does it take to close on a home in Miami?
Closing timelines in Miami depend on the loan program, the appraisal, the title search, the condition of the property, and how quickly the seller and their own lender respond. Several of those parties sit outside our control, so we do not quote a fixed number of days. We return pre-approval decisions as quickly as the file allows, and we order the appraisal and title work as early as your contract allows. Walking in with a fully underwritten pre-approval letter is the strongest way to keep a Miami closing on schedule.
Every Loan Program in Miami
Pick the program you want and see how it works for a Miami purchase: local price points, down payment, and what it takes to qualify.
Nearby Cities We Serve
Verify the details for your own situation against these government and agency sources: Florida Housing homebuyer programs and CFPB Owning a Home guide.
Questions we answer most often for Miami buyers, from what you can afford to what closing actually costs.
Ready to Buy in Miami?
Your local Miami Mortgage Broker. 5-minute pre-approval, honest rates, fast closing.
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# 2337695. Equal Housing Lender.