Expertise.com

2024

Last updated:

Best Mortgage Brokers in Miami Beach

Our Recommended Top 14

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Miami Beach Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

36Reviewed

27Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

100 Lincoln Road, Suite CU-07, Miami Beach, FL 33139
WebsiteLicense: 391770

Expertise.com Rating

Review Sources

Google
5.0 (37)

Why choose this provider?

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.

  • Refinance

333 S.E. 2nd Avenue, Suite 2000, Miami, FL 33131
WebsiteLicense: 1889418

Expertise.com Rating

Review Sources

Yelp
5.0 (3)

Why choose this provider?

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.

  • Refinance
  • New Construction

1080 Brickell Ave #3106, Miami, FL 33131
WebsiteLicense: 285280

Expertise.com Rating

Review Sources

Google
4.9 (52)
Facebook
5.0 (5)

Why choose this provider?

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.

  • Refinance
  • New Construction

9600 NW 38th Street Suite 211, Doral, FL 33178
WebsiteLicense: 306597

Expertise.com Rating

Review Sources

Zillow
5.0 (162)
Facebook
5.0 (11)
Yelp
5.0 (11)

Why choose this provider?

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.

  • Refinance
  • New Construction

1000 Lincoln Rd #208,, Miami Beach, FL 33139
WebsiteLicense: 2046881

Expertise.com Rating

Review Sources

Google
5.0 (31)
Facebook
5.0 (17)
Zillow
5.0 (14)

Why choose this provider?

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.

  • New Construction

1221 Brickell Ave Suite 900, Miami, FL 33131
WebsiteLicense: 1607706

Expertise.com Rating

Review Sources

Google
4.9 (51)
Facebook
5.0 (19)

Why choose this provider?

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.

  • Refinance

2 Alhambra Plaza Suite 1220, Coral Gables, FL 33134
WebsiteLicense: 472119

Expertise.com Rating

Review Sources

Google
3.5 (8)
Facebook
5.0 (6)

Why choose this provider?

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.

  • Refinance

2525 Ponce de Leon Blvd, Suite 300-73, Coral Gables, FL 33134
WebsiteLicense: 1948246

Expertise.com Rating

Review Sources

Google
5.0 (68)
Facebook
5.0 (24)
Zillow
5.0 (2)

Why choose this provider?

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.

  • Commercial Loans

925 Arthur Godfrey Rd, Suite 205, Miami Beach, FL 33140
WebsiteLicense: 250769

Expertise.com Rating

Review Sources

Google
5.0 (48)

Why choose this provider?

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.

  • New Construction
  • Purchase
  • FHA and VA mortgages

2125 Biscayne Blvd Suite 304, Miami, FL 33137
WebsiteLicense: 373755

Expertise.com Rating

Review Sources

Google
5.0 (35)
Facebook
4.8 (20)

Why choose this provider?

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.

  • Refinance

201 S Biscayne Blvd 28th Floor, Miami, FL 33131
WebsiteLicense: 2540

Expertise.com Rating

Review Sources

Zillow
4.8 (173)
Google
4.9 (60)
Facebook
4.8 (23)

Why choose this provider?

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.

  • Refinance

9360 Southwest 72nd St., Kendall, FL 33173
WebsiteLicense: 1463190
Website

Expertise.com Rating

Review Sources

Google
5.0 (69)
Facebook
5.0 (9)

Why choose this provider?

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.

  • Reverse Mortgages
  • Refinance

2730 SW 3rd. Avenue # 306, Miami, FL 33129
WebsiteLicense: 173855

Expertise.com Rating

Review Sources

Zillow
4.9 (396)
Google
5.0 (42)
Facebook
3.0 (5)

Why choose this provider?

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.

  • Refinance
  • New Construction

45 SW 9th St #4301, Miami, FL 33130
WebsiteLicense: 1929887

Expertise.com Rating

Review Sources

Google
4.9 (40)
Zillow
5.0 (7)

Why choose this provider?

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.

  • Refinance

FAQs

  • Introduction

    It’s the American dream to buy property, and almost everyone who purchases a home does so with the help of a mortgage broker. It can be intimidating when you don’t know where to begin, what information is necessary, and how to receive a loan. A mortgage broker acts as an intermediary between the applicant and the financial institution.


    The mortgage broker’s role includes comparing loan terms across lenders to find applicants the best options, collecting paperwork the financial institution needs to analyze the application, and guiding the buyer through the underwriting and closing processes. Mortgage brokers can significantly simplify the home buying process.

  • Can mortgage brokers work across state lines?

    Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for mortgage brokers. Customers should ensure their broker can legally work in another state before going across state lines. Lastly, don’t forget the mortgage process is often time-sensitive, so being in different time zones can be problematic.

  • How do mortgage brokers find lenders?

    Mortgage brokers work independently and act as a bridge between the client and the lender. They reach out to several lenders to form a network and build professional relationships with those they work with often. They use lenders who best meet a client's rates and terms, and some lenders only do business through mortgage brokers.  

  • What credit score do mortgage brokers use?

    There are two credit scoring models in the United States: FICO and VantageScore. Mortgage lenders typically prefer to use FICO. However, each credit bureau uses a different version of the FICO score:

    • Experian uses FICO Score 2
    • Equifax uses FICO Score 5
    • TransUnion uses FICO Score 4

  • Do mortgage brokers help with refinancing?

    Yes, mortgage brokers can help with refinancing. Individuals who have a solid credit score will typically go to their bank to refinance their mortgage. However, if you don't have excellent credit, a mortgage broker may be able to secure you a better interest rate than you could get on your own.

    You pay a fee to the mortgage broker, so you'll want to consider this fee versus your savings in your cost-benefit analysis.
  • Can you work with two mortgage brokers?

    You can definitely work with two mortgage brokers. The advantage of using multiple brokers is that you'll have two people reaching out to several lenders to secure the best rate possible. However, you must ensure you provide matching information to all your brokers. If two brokers provide mismatched information about your application to the same lender, it can send off red flags and delay your approval process.

  • Do mortgage brokers get better deals?

    Yes, a mortgage broker should be able to get you a better deal. Mortgage brokers go to several lenders on your behalf and find the one with the best terms and interest rates. However, note that some mortgage brokers have preferred lenders. A broker may bring you their preferred lender's offer, even if it's not the best one; however, this isn't a regular practice.