Of the 25 mortgage brokers in Miami, FL that publish their loan programs, 15 (60%) offer conventional loans, 11 (44%) offer FHA loans and 11 (44%) offer jumbo loans.

Conventional loans15 of 25 (60%)

FHA loans11 of 25 (44%)

Jumbo loans11 of 25 (44%)

First-time buyer programs11 of 25 (44%)

VA loans10 of 25 (40%)

Reverse mortgages10 of 25 (40%)

Non-QM loans7 of 25 (28%)

Foreign national loans6 of 25 (24%)

Bank statement loans5 of 25 (20%)

Hard money and bridge loans5 of 25 (20%)

USDA loans4 of 25 (16%)

DSCR (investor) loans4 of 25 (16%)

2
advertise 3.5% down or less, including 2 with a 0% down option (typically VA or USDA)
500
lowest advertised minimum credit score; 3 lenders accept 580 or lower
19 / 8
licensed in one state only / licensed nationwide (of 35 with licensing data)

Source: FindHomeLenders review of each lender's own website, data through July 2025. Counts cover the 25 of 100 listed mortgage brokers that publish loan program details. Programs and requirements change, so confirm with the lender and check their NMLS ID before applying.

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Why Choose Local Mortgage Brokers in Miami?

Local Market Expertise

Miami mortgage brokers have intimate knowledge of local property values, neighborhood trends, and lending requirements specific to Florida. This expertise can help you navigate the local market more effectively.

Personalized Service

Working with local mortgage brokers means face-to-face meetings, immediate response times, and personalized attention throughout your mortgage process. They understand your community and can provide tailored solutions.

Competitive Rates & Terms

Local mortgage brokers often have relationships with multiple lenders and can shop around to find you the best rates and terms available in the Miami market.

Community Connections

Benefit from established relationships with local real estate agents, appraisers, inspectors, and other professionals involved in your home buying or refinancing process.

Frequently Asked Questions

How do I choose the right mortgage broker in Miami?

Shortlist at least three mortgage brokers in Miami, ideally mixing a credit union or community bank with a broker or direct lender. Look up each one's NMLS ID on NMLS Consumer Access to confirm they are licensed in Florida, then request a Loan Estimate from each and compare the APR and closing costs, not just the rate. Our guide to finding a mortgage lender walks through each step.

What questions should I ask a mortgage broker?

Ask about their experience in the Miami market, loan products they offer, interest rates, closing costs, timeline for approval, and their process for handling your application. Don't hesitate to request references from recent clients.

Are Miami mortgage brokers better than online lenders?

Local mortgage brokers offer personalized service, local market expertise, and face-to-face support that online lenders typically can't match. However, rates and terms should be compared to ensure you're getting the best deal for your situation.

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