Expertise.com Homepage

2024

Last updated:

Best Mortgage Brokers in Miami Gardens, FL

Our Recommended Top 12

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 Gardens Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

39Reviewed

28Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

6625 Miami Lakes Dr E Suite 349, Miami Lakes, FL 33014
WebsiteLicense: 2119602

Expertise.com Rating

Review Sources

Google
5.0 (75)
Facebook
5.0 (22)

Why choose this provider?

Independent Mortgage Corp. is a company that offers a variety of financial solutions to residents in Miami Gardens and the surrounding areas. It provides conventional, FHA, VA, and jumbo loans, 203K rehabs, and Harp refinance. It also has fixed-rate home loans with 10-, 15-, 20-, and 30-year terms. The firm has a Hybrid ARM which allows homeowners to get a fixed rate for an initial period before shifting to an adjustable rate for the remainder. Independent Mortgage Corp. comprises licensed and experienced loan originators led by company president Carlos Ginoris.

  • Refinance

1625 North Commerce Parkway Suite 105, Weston, FL 33326
WebsiteLicense: 289853
Website

Expertise.com Rating

Review Sources

Facebook
4.8 (48)
Google
4.9 (42)
Zillow
5.0 (7)

Why choose this provider?

Florida Mortgage Solutions Group, Inc., is a mortgage broker and direct lender that specializes in helping home builders, home buyers, and realtors in Miami Gardens choose the best mortgage solution for their needs. Its mortgage brokers have more than three decades of combined experience in securing conventional, FHA, VA, and jumbo residential loans. The company also helps clients seeking to refinance their homes. In addition, it offers payment protection plans that cover clients for up to two years when they become unable to work.

  • Reverse Mortgages

9480 SW 77th Ave, Miami, FL 33156
WebsiteLicense: 968090

Expertise.com Rating

Review Sources

Google
5.0 (75)
Facebook
5.0 (22)

Why choose this provider?

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.

  • Reverse Mortgages

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

Expertise.com Rating

Review Sources

Google
5.0 (76)
Yelp
5.0 (4)

Why choose this provider?

On Mortgage serves clients throughout Miami, Florida, and its surrounding neighborhoods. This mortgage brokerage provides loan options for new homebuyers and existing homeowners. It helps clients obtain lower monthly mortgage payments by refinancing to a mortgage term with a lower rate or a longer term. Additionally, it provides cashout refinancing options. Other loan programs that it offers include fixed-rate, adjustable-rate, FHA, and VA loans. On Mortgage works with multiple lenders to provide clients with more options.

  • Refinance

8200 NW 52nd Terrace Suite 100, Doral, FL 33166
WebsiteLicense: 204041

Expertise.com Rating

Review Sources

Facebook
4.7 (25)
Google
4.5 (8)
Yelp
1.0 (2)

Why choose this provider?

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.

  • Reverse Mortgages

1080 Brickell Ave #3106, Miami, FL 33131
WebsiteLicense: 1922428

Expertise.com Rating

Review Sources

Google
4.9 (52)
Facebook
5.0 (5)

Why choose this provider?

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.

  • Refinance

2301 Northwest 87th Ave, Suite 503, Doral, FL 33172
WebsiteLicense: 1992934

Expertise.com Rating

Review Sources

Google
4.2 (297)
Facebook
5.0 (18)
Yelp
5.0 (1)

Why choose this provider?

MOR is a lending company that caters to clients located in the Miami Gardens area and surrounding metros. It nurtures both technology and transparency to provide a more efficient customer experience. For improved communication, it utilizes a cloud-based support system and also enlisted lifelong marketing executive Tony Albelo, who is known to draw more than 2 million people to company events. MOR was founded in 2020, by industry veterans with a combined experience of over 45 years.

  • Refinance

6135 NW 167 St. #E8, Miami, FL 33015
WebsiteLicense: 1747294

Expertise.com Rating

Review Sources

Google
5.0 (31)
Zillow
5.0 (18)

Why choose this provider?

The Collective Lending Group provides financing options to clients in Miami Gardens who are planning to acquire real estate. It offers a variety of mortgage programs, including conventional, FHA, VA, no income, investor, and commercial loans. Its team explains the processes and details of each loan type, including the advantages and disadvantages, with a mission to help clients build financial freedom while pursuing their aspirations. The company has financed more than $100 million in closings throughout its over 20 years of industry experience.

  • Commercial Loans
  • New Construction

1000 NW 57th Ct, Suite 120, Miami, FL 33126
WebsiteLicense: 1100518

Expertise.com Rating

Review Sources

Google
4.9 (190)
Zillow
4.9 (63)
Yelp
2.7 (7)

Why choose this provider?

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.

  • Refinance
  • New Construction

400 University Drive, 3rd Floor, Coral Gables, FL 33134
WebsiteLicense: 378507

Expertise.com Rating

Review Sources

Google
4.3 (96)
Facebook
4.3 (66)
Yelp
3.5 (3)

Why choose this provider?

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.

  • Refinance

18191 NW 68th Ave., Hialeah, FL 33015
WebsiteLicense: 1630584

Expertise.com Rating

Review Sources

Google
4.9 (837)
Facebook
5.0 (1)

Why choose this provider?

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.

  • Refinance

9300 S Dadeland Blvd STE 500, Miami, FL 33156
WebsiteLicense: 162197

Expertise.com Rating

Review Sources

Facebook
4.6 (172)
Google
4.7 (58)
Yelp
3.0 (26)

Why choose this provider?

FEMBi Mortgage serves home buyers in Miami Gardens and the surrounding areas. It provides a variety of mortgage options, including VA, FHA, and 15- and 30-year fixed-rate loans. It also offers adjustable-rate and reverse mortgages. It guides clients throughout the entire home-buying process, from pre-approval to closing. FEMBi Mortgage has been providing home financing solutions since 1997. Daniel Rodriguez, the company's president, aims to spur business growth by implementing an open-door policy and a hands-on management style.

  • Refinance
  • New Construction

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
Independent Mortgage Corp.
6625 Miami Lakes Dr E Suite 349, Miami Lakes, FL 33014
Florida Mortgage Solutions Group, Inc.
1625 North Commerce Parkway Suite 105, Weston, FL 33326
PS Mortgage Lending
9480 SW 77th Ave, Miami, FL 33156
On Mortgage
333 S.E. 2nd Avenue, Suite 2000, Miami, FL 33131
Trust Lending
8200 NW 52nd Terrace Suite 100, Doral, FL 33166
DAK Mortgage
1080 Brickell Ave #3106, Miami, FL 33131
MOR
2301 Northwest 87th Ave, Suite 503, Doral, FL 33172
The Collective Lending Group
6135 NW 167 St. #E8, Miami, FL 33015
Ready Mortgage Lenders
1000 NW 57th Ct, Suite 120, Miami, FL 33126
Home Financing Center
400 University Drive, 3rd Floor, Coral Gables, FL 33134
PRMG Country Club of Miami
18191 NW 68th Ave., Hialeah, FL 33015
FEMBi Mortgage
9300 S Dadeland Blvd STE 500, Miami, FL 33156

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.