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Best Mortgage Brokers in Miami Gardens

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DAK Mortgage logo

DAK Mortgage

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

For over 15 years, DAK Mortgage has been providing various residential and commercial lending products in Miami Gardens. It tailors customized programs specific to unconventional and challenging situations, such as foreign national and self-employed borrowings, non-warrantable condo mortgages, foreclosure bailout loans, bankruptcy debtor-in-possession, and bridge lending. The mortgage broker also offers traditional financing options for new home purchases, property investments, loan restructuring, and construction and renovation projects. Company owner David Krebs previously worked as an underwriter.

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Home Financing Center logo

Home Financing Center

400 University Drive, 3rd Floor, Coral Gables, FL 33134
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  • Refinance

Home Financing Center is a family-owned mortgage company serving clients in Miami Gardens and other areas in Florida. Depending on a client's circumstances, it offers mortgages that have fixed rates or adjustable rates, loans for first-time buyers, employer-assisted housing, and loans for foreign nationals. Home Financing Center has helped several clients settle in their own homes for the past 30 years. The team consists of local home loan representatives who make transactions easier compared to having out-of-state call centers.

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PRMG Country Club of Miami logo

PRMG Country Club of Miami

18191 NW 68th Ave., Hialeah, FL 33015
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  • Refinance

PRMG Country Club of Miami caters to clientele looking for mortgage options and refinancing services in and around Miami Gardens. Its selection of mortgage products includes FHA, VA, and USDA loans. As a Fannie May and Freddie Mac direct lender, the company also offers the Home Ready, Home Possible, and Homestyle Renovation programs from those affiliate companies. Since starting operations over two decades ago, the company has closed over 100,000 loans across its over 300 branches nationwide.

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PS Mortgage Lending logo

PS Mortgage Lending

9480 SW 77th Ave, Miami, FL 33156
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  • Reverse Mortgages

PS Mortgage Lending has been dealing with Miami Gardens clients since 2012. It helps them fulfill their goals of homeownership through a range of loan options, from USDA, VA, and FHA programs to jumbo loans. It also guides senior homeowners through the process of converting property equity into cash. For foreign nationals seeking to invest in real estate in the U.S., the company also offers its assistance. Phil Stevenson, its owner and a “Mortgage Nerd,” is a Certified Reverse Mortgage Professional. He is also fluent in Spanish.

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Ready Mortgage Lenders logo

Ready Mortgage Lenders

1000 NW 57th Ct, Suite 120, Miami, FL 33126
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  • Refinance
  • New Construction

Ready Mortgage Lenders is a mortgage broker that serves clients in Miami Gardens. The company offers a variety of home loan options for its clients such as 30 years fixed mortgage, 15 years fixed mortgage, FHA loans, VA loans, and USDA Loans. The goal of the business is to provide a smooth process and provide access to options for customers with home purchase loans, reverse mortgages, and refinancing home loans. Its executive board members have more than 70 years of experience combined.

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Trust Lending logo

Trust Lending

8200 NW 52nd Terrace Suite 100, Doral, FL 33166
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  • Reverse Mortgages

Trust Lending responds to the home financing needs in Miami Gardens. For over 15 years, it has been offering programs for borrowers wanting a new house or hoping to refinance their existing mortgage. Its lending options include conventional, government-backed, reverse, and jumbo loans. The mortgage lender tailors solutions to match its client’s financial goals and needs. Along with loan originators, its underwriting team evaluates suitable mortgage structures for clients. The lending company is a member of the Florida Association of Mortgage Professionals.

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Frequently Asked Questions

Q: Do mortgage brokers need to be licensed?

A: 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.

Q: Is it difficult to pass the mortgage brokers’ test?

A: 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.

Q: What is a surety bond for mortgage brokers?

A: 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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