Best Mortgage Brokers in Miami Beach

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Amethyst Mortgage logo
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License Verified:

License: 250769

Nationwide Multistate Licensing System and Registry

Amethyst Mortgage

925 Arthur Godfrey Rd, Suite 205, Miami Beach, FL 33140
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  • New Construction
  • Purchase
  • FHA and VA mortgages
  • Refinance

Business Description

Amethyst Mortgage provides financial solutions for clients in Miami Beach and nearby areas looking to refinance a mortgage or purchase property. Its mortgage advisors offer different loan programs to help buyers and investors achieve their dream investment spaces. They process conventional, VA, FHA, USDA, jumbo, and non-qualified mortgage products, such as bank statement or 1099-only, new construction, and asset-based DSCR loans. Co-owners Marcio Demelo and Kyla Kahian have more than two decades of combined industry experience.

License Verified:

License: 250769

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (40)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Cornerstone First Mortgage logo
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License Verified:

License: 173855

Nationwide Multistate Licensing System and Registry

Cornerstone First Mortgage

2730 SW 3rd. Avenue # 306, Miami, FL 33129
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  • Refinance
  • New Construction

Business Description

Cornerstone First Mortgage caters to residents of Miami Beach. It seeks to provide clients with the right mortgage program by working with various lenders and mortgage bankers. It provides a broad range of mortgage programs, including home equity line of credit, reverse and jumbo mortgages, and FHA and VA loans. It also offers loan options to foreign nationals. Lourdes Cuervo, a mortgage planning specialist and loan officer at the company, has more than 20 years of experience in the industry.

License Verified:

License: 173855

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
5.0 / 5 (45)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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David A. Krebs logo
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License Verified:

License: 285280

Nationwide Multistate Licensing System and Registry

David A. Krebs

1080 Brickell Ave #3106, Miami, FL 33131
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  • Refinance
  • New Construction

Business Description

David A. Krebs is a licensed mortgage broker who serves English-speaking, Spanish-speaking, and Portuguese-speaking individuals in Miami Beach and the surrounding areas. He provides residential loan products for purchase, refinance, construction, and renovation purposes. He also assists with specialized loans such as Non-U.S.-Citizen, self-employed, and jumbo loans. In addition, he offers commercial loan products. Krebs has been working in the mortgage industry for more than 15 years. He is a member of the Business Network International.

License Verified:

License: 285280

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (51)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Essex Home Loans Corp logo
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License Verified:

License: 373755

Nationwide Multistate Licensing System and Registry

Essex Home Loans Corp

2125 Biscayne Blvd Suite 304, Miami, FL 33137
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  • Refinance

Business Description

Essex Home Loans Corp links prospective homeowners to mortgage programs in Miami Beach. It caters to the financing needs of first- or second-time homebuyers and property investors. Its loan advisors evaluate clients' situations and search for suitable mortgage arrangements with low-interest rates. They simplify the process through their one-on-one consultation, application tips and updates, and customized lending options. Their homebuying guide protects customers from making mistakes that could compromise approval. The loan origination business belongs to AIME's Brokers Are Better Network.

License Verified:

License: 373755

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
5.0 / 5 (18)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Detail
Expert Mortgage logo
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License Verified:

License: 306597

Nationwide Multistate Licensing System and Registry

Expert Mortgage

9600 NW 38th Street Suite 211, Doral, FL 33178
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  • Refinance
  • New Construction

Business Description

Expert Mortgage caters to borrowers in Miami Beach in need of traditional and alternative loan programs. FHA, VA, jumbo, conventional, HARP, and foreign national loans are some of the options available. The business also assists those who are not qualified for traditional loans and provides one-day out-of-bankruptcy, short sale, foreclosure, and stated income loans, as well as non-warrantable condo financing. Additionally, it handles refinancing and reverse mortgages. Company president Jeff Lieberman has 20 years of experience in residential and commercial real estate financing.

License Verified:

License: 306597

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (81)
Yelp
5.0 / 5 (12)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Home Mortgage Center logo
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License Verified:

License: 1463190

Nationwide Multistate Licensing System and Registry

Home Mortgage Center

9360 Southwest 72nd St., Kendall, FL 33173
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  • Reverse Mortgages
  • Refinance

Business Description

Home Mortgage Center is a Kendall-based company that serves clients across Miami Beach. It works with homebuyers and provides a variety of loan programs, ranging from fixed-rate and adjustable-rate mortgages to FHA and VA loans. The company runs a website that contains resource pages to guide clients on matters like required documents. It also provides HARP 2.0, a federal refinancing program for homeowners who owe more than the value of their property. Albert Someillan, its broker and president, has been in the industry since 1994.

License Verified:

License: 1463190

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (59)
Facebook
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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iFinance Florida logo
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License Verified:

License: 2046881

Nationwide Multistate Licensing System and Registry

iFinance Florida

1000 Lincoln Rd #208,, Miami Beach, FL 33139
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  • New Construction

Business Description

Since 2020, iFinance Florida has been accommodating Miami Beach-based commercial property owners and foreign and national residential buyers. The business collaborates with multiple lenders to compare rates and provide a variety of loan options, such as hard money, FHA, conventional, foreign national, super jumbo, and non-QM loans. Its loan officers have helped clients purchase and refinance different properties, including rental units and waterfront homes. Founder Alexander Gandarilla has over a decade of combined experience working as a banker and mortgage loan originator.

License Verified:

License: 2046881

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (29)
Facebook
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Madison Capital Mortgage Group logo
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License Verified:

License: 1929887

Nationwide Multistate Licensing System and Registry

Madison Capital Mortgage Group

45 SW 9th St #4301, Miami, FL 33130
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  • Refinance

Business Description

Madison Capital Mortgage Group is a brokerage assisting Miami Beach individuals and families in realizing their homeownership dreams. It facilitates loans with third-party providers, designs options according to each homebuyer's needs, and provides online educational resources and tools to aid with decision-making. It carries non-conforming conventional mortgages, ARMs and FRMs, and FHA, VA, and USDA-sponsored loans. The company helps borrowers looking for loan products that come with interest-only or graduated payment options. Additionally, it serves clients in New Jersey.

License Verified:

License: 1929887

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (41)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
On Mortgage logo
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License Verified:

License: 1889418

Nationwide Multistate Licensing System and Registry

On Mortgage

333 S.E. 2nd Avenue, Suite 2000, Miami, FL 33131
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  • Refinance
  • New Construction

Business Description

On Mortgage serves the Miami Beach metro and the surrounding areas. The agency helps clients obtain mortgage loan programs to purchase homes suitable for their goals, needs, and budgets. Its loan programs include FHA, fixed, and adjustable rates. It is also available for VA loans, which focus on assisting veteran and active military members wanting to obtain their desired homes with low down payments. In addition to home-purchasing loans, On Mortgage caters to homeowners needing refinancing services to change the rates of their existing loans.

License Verified:

License: 1889418

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (79)
Facebook
5.0 / 5 (5)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Polaris Funding Group logo
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License Verified:

License: 2540

Nationwide Multistate Licensing System and Registry

Polaris Funding Group

201 S Biscayne Blvd 28th Floor, Miami, FL 33131
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  • Refinance

Business Description

Polaris Funding Group has been taking care of the mortgage needs of individuals and families throughout Miami Beach and nearby areas since 2007. The firm aims to help clients find, keep, and afford their dream homes, carefully considering their needs, finances, and history through a wide selection of loan programs. These include fixed-rate mortgages, FHA, VA, and jumbo loans, low downpayment options, and first-time homebuyer loan programs. Refinancing assistance is likewise offered to clients looking to take out cash or adjust their monthly payments.

License Verified:

License: 2540

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.8 / 5 (57)
Facebook
4.8 / 5 (23)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Ross Home Loans logo
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License Verified:

License: 391770

Nationwide Multistate Licensing System and Registry

Ross Home Loans

100 Lincoln Road, Suite CU-07, Miami Beach, FL 33139
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  • Refinance

Business Description

Ross Home Loans (RHL) delivers comprehensive solutions for locals in the Miami Beach area. The company provides residential and commercial mortgage products for first-time buyers, business owners, and foreign nationals. Its team of mortgage professionals determines the financial programs suited to each client's needs. The staff performs solutions for borrowers seeking no closing cost options, renovation financing, and refinancing programs. RHL has been operating for over 10 years and has been voted by SunPost as 2007 Best in Class.

License Verified:

License: 391770

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Swift Loan logo
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License Verified:

License: 1607706

Nationwide Multistate Licensing System and Registry

Swift Loan

1221 Brickell Ave Suite 900, Miami, FL 33131
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  • Refinance

Business Description

Swift Loan serves the financial goals of first-time homebuyers, downsizers, and existing borrowers in the Miami Beach metro. Leveraging the use of intuitive technology, the company delivers boutique mortgage services such as needs and savings analysis, online application assistance, and closing arrangement. In addition, its team renders continued support after funding by providing information on rate changes and monthly market data on clients' properties. Swift Loan was established by college friends, Max and Marcus, who have backgrounds in finance.

License Verified:

License: 1607706

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (47)
Facebook
5.0 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
The Mortgage Hub logo
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License Verified:

License: 1948246

Nationwide Multistate Licensing System and Registry

The Mortgage Hub

2525 Ponce de Leon Blvd, Suite 300-73, Coral Gables, FL 33134
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  • Commercial Loans

Business Description

The Mortgage HUB serves residents in Miami Beach who are looking for a variety of lending solutions. The team takes an educational approach to counseling clients and carefully visualizes the competing options to give individuals the knowledge needed to make informed choices. In-person and virtual meetings are available. The crew also refinances existing debts and has products fit for real estate investors. The Mortgage HUB's Michael Ortiz has been active in the Tri-Country area's home financing sector for over 16 years.

License Verified:

License: 1948246

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (63)
Facebook
5.0 / 5 (24)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Todd LaPenta logo
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License Verified:

License: 472119

Nationwide Multistate Licensing System and Registry

Todd LaPenta

2 Alhambra Plaza Suite 1220, Coral Gables, FL 33134
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  • Refinance

Business Description

For over five years, Todd LaPenta has been working with Miami Beach clients. He educates aspiring homeowners on their various mortgage options, including programs insured or guaranteed by government agencies like the VA, FHA, and USDA. LaPenta also offers SmartEdge, a jumbo mortgage program for borrowers seeking to acquire a non-warrantable condo. He provides other loan options from a variety of organizations, ranging from Freddie Mac to Fannie Mae. LaPenta previously served as a private mortgage banker under Wells Fargo for over two decades.

License Verified:

License: 472119

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
3.5 / 5 (8)
Facebook
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

Do mortgage brokers need to be licensed?

Yes, all mortgage brokers need to be licensed. Individuals need to complete a 20-hour class that goes over state and federal laws for mortgages and other important information. Next, individuals take the official test with the National Mortgage Licensure System.

Is it difficult to pass the mortgage brokers’ test?

Upon completion of educational requirements, you must pass the mortgage broker test to receive your license. It's a two-part test called the Safe Mortgage Loan Originator Exam, and it can be a bit challenging. Out of almost 87,600 national test-takers, 57% passed on their first attempt. The test includes both a state and national portion and requires a minimum score of 75% to pass.

What is a surety bond for mortgage brokers?

A surety bond is a legal contract that binds three parties — the obligee, the principal, and the surety. Surety bonds are typically required to receive a license for operating as a mortgage broker. When a mortgage broker gets a surety bond, it's a legal guarantee they'll perform their obligations to their customers as required by law.

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