Of the 37 mortgage lenders in Miami, FL that publish their loan programs, 27 (73%) offer conventional loans, 17 (46%) offer VA loans and 16 (43%) offer FHA loans.

Conventional loans27 of 37 (73%)

VA loans17 of 37 (46%)

FHA loans16 of 37 (43%)

First-time buyer programs16 of 37 (43%)

Jumbo loans13 of 37 (35%)

HELOCs and home equity loans10 of 37 (27%)

Non-QM loans9 of 37 (24%)

USDA loans8 of 37 (22%)

Construction loans8 of 37 (22%)

Reverse mortgages7 of 37 (19%)

Bank statement loans6 of 37 (16%)

Foreign national loans5 of 37 (14%)

9
advertise 3.5% down or less, including 7 with a 0% down option (typically VA or USDA)
580
lowest advertised minimum credit score; 2 lenders accept 580 or lower
15 / 3
licensed in one state only / licensed nationwide (of 25 with licensing data)

Source: FindHomeLenders review of each lender's own website, data through July 2025. Counts cover the 37 of 72 listed mortgage lenders that publish loan program details. Programs and requirements change, so confirm with the lender and check their NMLS ID before applying.

Other Mortgage Professionals in Miami

135

Mortgage Brokers

Available in Miami

View Mortgage Brokers →

Mortgage Lenders in other Florida cities

All 428 mortgage lenders in Florida →

Why Choose Local Mortgage Lenders in Miami?

Local Market Expertise

Miami mortgage lenders 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 lenders 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 lenders 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 lender in Miami?

Shortlist at least three mortgage lenders 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 lender?

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 lenders better than online lenders?

Local mortgage lenders 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.

Ready to Connect with Miami Mortgage Lenders?

Get matched with the perfect mortgage lender from our network of 72 local professionals

Advanced Search Browse All Mortgage Lenders