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2024

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Best Mortgage Brokers in Miami, FL

Our Recommended Top 19

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

118Reviewed

78Curated

19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

210887 NW 17th Street Ste 204, Miami, FL 33172
WebsiteLicense: 227613

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Quest Mortgage Services works with first-time homebuyers and seasoned investors in Miami. Frank helps clients navigate the property buying process to enable them to achieve their dream homeownership. The firm provides customized mortgage solutions and has a variety of products, including VA, FHA, conventional, and non-QM loans. Frank also offers 12-month bank statement loans, foreign national loans, DSCR investor loans, and P&L mortgage loans. The brokerage agency has been in the industry for more than three decades.

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Miami, FL

Expertise.com Rating

Why choose this provider?

Need help contacting a Mortgage Broker in Miami? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.

8316 Vía Di Veneto, Boca Raton, FL 33496
WebsiteLicense: 1691763

Expertise.com Rating

Review Sources

Google
5.0 (29)
Facebook
5.0 (5)
Zillow
5.0 (4)

Why choose this provider?

Ferrari Lending is a mortgage brokerage firm serving the residents of Miami. The company assists clients in understanding their home purchase or refinancing options and guides them in getting pre-qualified for loans. It carries different kinds of mortgages, including FHA loans. Foreign nationals or those who are not American citizens receive guidance on documentary requirements for portfolio loans, whether fixed-rate or adjustable-rate mortgages. Ferrari Lending uses the online platform to facilitate applications and document submissions.

  • Refinancing

848 Brickell Ave Ste 1200, Miami, FL 33131

Expertise.com Rating

Review Sources

Google
5.0 (134)
Zillow
5.0 (18)
Facebook
5.0 (3)

Why choose this provider?

Lending Bankers Mortgage LLC is a mortgage brokerage serving individuals, developers, foreign investors, and real estate companies within Miami. Its mortgage advisors help clients find the best possible financing solutions by offering a range of loan packages, including international, aviation, retail and office, and other loans. The company delivers personalized services to homeowners and buyers through jumbo, FHA, VA, and conventional fixed-rate loans. It assists clients through the home refinance and purchase loan processes in finding suitable terms and options.

  • Refinance
  • Commercial Loans
  • Multi-Family Loans

12399 Southwest 53rd Street, Cooper City, FL 33330
WebsiteLicense: 1156346

Expertise.com Rating

Review Sources

Google
5.0 (257)
Facebook
5.0 (31)
Yelp
5.0 (18)

Why choose this provider?

Premier Lending Corporation is a mortgage company that assists clients in Broward County and its surrounding metros, including Miami. With over 25 years of combined experience in mortgage banking, its mortgage experts guide and educate their clients on a variety of loan options, such as FHA, VA, conventional, commercial, jumbo, and hard money loans. They also assist customers in foreign national loans, USDA loans, reverse mortgages, and bank statement programs.

  • Reverse Mortgages
  • Commercial Loans
  • Refinance

3350 Southwest 148th Avenue, Miramar, FL 33027
WebsiteLicense: 349022

Expertise.com Rating

Review Sources

Google
5.0 (62)

Why choose this provider?

EZ Funding Group, Inc., is a mortgage broker that serves clients in Miami. It specializes in several types of mortgage loans that include home purchase loans, home refinancing loans, FHA home loans, and HARP home loans. Its team of home loan specialists helps clients prequalify for a home mortgage, find the property, coordinate required inspections, and obtain the mortgage. Jaime Charouf is the owner of the company. He is fluent in Arabic, Spanish, and English.

  • Refinance
  • Reverse Mortgages

7765 Southwest 87th Avenue, Miami, FL 33173
WebsiteLicense: 322180

Expertise.com Rating

Review Sources

Yelp
5.0 (2)

Why choose this provider?

Capital Trust Mortgage Corp. is a Miami-based brokerage firm founded in 1955. It caters to homeowners, investors, and residential developers who need financial services. The company offers a range of loan programs such as jumbo, conventional, FHA, VA, and investment loans. Other loan services include non-prime, foreign national, home equity line of credit, commercial, and construction loans. Founder Emad Shawwa has been in the mortgage business for more than 29 years. He is a member of the Florida Association of Mortgage Professionals.

  • New Construction
  • Refinance
  • Commercial Loans

8333 Northwest 53rd Street, Doral, FL 33166
WebsiteLicense: 1232716

Expertise.com Rating

Review Sources

Zillow
5.0 (24)
Google
5.0 (15)
Yelp
5.0 (2)

Why choose this provider?

A member of Paramount Residential Mortgage Group, Inc. (PRMG), William Ledesma is a loan officer that serves homeowners in Miami. He believes that wisdom should be shared and takes time to educate both first-time clients and local lenders. William walks his customers through each step of the mortgage process, from pre-qualification to closing. He can compare the interest rates and monthly payments of conventional and specialized loan programs. In addition, he can compare the costs of purchase for rent or ownership.

  • Refinance

9600 Northwest 38th Street, Doral, FL 33178
WebsiteLicense: 306597

Expertise.com Rating

Review Sources

Zillow
5.0 (124)
Google
5.0 (81)
Yelp
5.0 (12)

Why choose this provider?

Expert Mortgage Group, Inc., is a full-service mortgage firm that serves customers in Miami and nearby localities. The locally owned and locally operated company assists first-time homebuyers in attaining their homeownership goals through a residential mortgage loan. Its mortgage brokers partner with multiple lenders that can offer a variety of home loan products, such as FHA, VA, and conventional loans. The group also assists individuals to lower their monthly mortgage or obtain home equity cashout through refinancing. The company has been serving clients for nearly two decades.

  • New Construction

1430 South Dixie Highway, Coral Gables, FL 33146
WebsiteLicense: 1023016

Expertise.com Rating

Review Sources

Zillow
5.0 (67)
Facebook
5.0 (10)
Google
5.0 (5)

Why choose this provider?

Universal Mortgage, LLC is a mortgage broker that services clients in Miami and the surrounding areas. The company helps clients find the right loan for their unique needs, like buying their first home. Its team of brokers handles a wide range of mortgage options, including FHA, VA, reverse, conventional, jumbo, and non-conventional. ARMS and 15-year or 30-year fixed mortgages are also available. Clients can utilize the calculator tool on the company's website for comparative purposes.

  • Refinance

2828 Coral Way, Miami, FL 33145
WebsiteLicense: 314305

Expertise.com Rating

Review Sources

Facebook
5.0 (3)

Why choose this provider?

Great Florida Lending Inc. is a mortgage brokerage in Miami specializing exclusively in mortgage solutions for senior citizens. The company's mortgage professionals take time in educating their clients on the specifics of the loan programs for home purchase, refinancing, or debt consolidation. They work with clients helping them find and secure the financial programs that meet their needs. Great Florida Lending Inc. is a locally owned firm and is affiliated with the Equal Housing Opportunity Agency.

  • Reverse Mortgages

201 S Biscayne Blvd Ste 2813, Miami, FL 33131
WebsiteLicense: 2003124

Expertise.com Rating

Review Sources

Google
5.0 (89)
Facebook
5.0 (23)

Why choose this provider?

Miami Mortgage Advisors is a local brokerage firm. Its team has over 20 years of experience expediting home loans, including programs from private lenders and government-backed options like FHA, VA, and USDA. In addition, its staff offers mortgage refinancing solutions to help clients who are looking to lower their monthly payments or obtain cash from equity. Jason Hackworth, the firm's president, has experience managing and originating mortgages for national retail and correspondent lenders.

  • Refinance

10300 Sunset Drive, Miami, FL 33173
WebsiteLicense: 335873

Expertise.com Rating

Review Sources

Yelp
5.0 (2)

Why choose this provider?

eMortgage Bankers is a mortgage brokerage firm serving clients in Miami. It offers a wide range of financing sources, allowing its clients to have multiple options. Its loan officers follow the standard lender guidelines and educate clients on the right loan that fits their situation. They assist clients in a worry-free mortgage refinancing process as well. The professionals in the firm also speak various languages, including English, Spanish, and Portuguese. Moreover, eMortgage Bankers is a member of the National Association of Mortgage Brokers.

  • Refinance

18851 Northeast 29th Avenue, Aventura, FL 33180
WebsiteLicense: 381490

Expertise.com Rating

Why choose this provider?

For more than 20 years, the Q Kapital Group Corp. has helped finance commercial and residential properties throughout Miami. The mortgage brokerage company offers services such as refinancing as well as mortgage lending for Americans, US residents, and foreign nationals. The firm has a network of more than 30 American and international banks. In 2020, the Q Kapital Group Corp. was recognized as one of the most influential mortgage lending companies on The Real Deal Miami.

  • Refinance
  • Commercial Loans

9360 Southwest 72nd Street, Miami, FL 33173
WebsiteLicense: 1463190

Expertise.com Rating

Review Sources

Google
5.0 (13)
Facebook
5.0 (3)

Why choose this provider?

Home Mortgage Center is a full-service mortgage company based in Kendall but also serves surrounding areas, including Miami. Albert Someillan, the president and broker of HMC, has been providing home loan options for homebuyers for over 25 years. The programs he offers are conventional loans with adjustable or fixed mortgage rates, FHA loans, and reverse mortgages. The process starts with the online submission of the application to pre-qualify and is followed by choosing the right loan program.

  • Reverse Mortgages

7855 Northwest 12th Street, Doral, FL 33126
WebsiteLicense: 1590925

Expertise.com Rating

Review Sources

Facebook
4.8 (8)
Google
4.0 (4)

Why choose this provider?

Located in Doral, Housing Finance Authority is a mortgage brokerage serving families and individuals in the Miami-Dade County area. The firm assists homebuyers, renters, and developers with financing and delivers avenues to affordable housing. It also provides clients convenient online homebuyer education courses, which help them select the best mortgages for their specific needs. This course is HUD-approved and administered by eHome America. It is offered in English and Spanish languages.

  • New Construction
  • Refinance
  • Multi-Family Loans

1701 Ponce de Leon Boulevard, Coral Gables, FL 33134
WebsiteLicense: 546539

Expertise.com Rating

Review Sources

Facebook
4.9 (23)

Why choose this provider?

Rejected due to this statement: "Wilfredo “Wil” Reguera is a top producer and direct lender, not a broker, who closes more than 150 loans every year, closing within a 24-day period on average."

  • Refinance

370 Miracle Mile, Coral Gables, FL 33134
WebsiteLicense: 331202

Expertise.com Rating

Review Sources

Facebook
4.0 (6)
Google
5.0 (1)

Why choose this provider?

Sunshine Financial Group is a company that provides mortgage brokerage services to the Miami area. With 23 years of knowledge and experience, its mortgage professionals help clients find the right loan option or mortgage product that matches their needs. It simplifies securing a mortgage by offering the latest financial tools that enable its clients to make sound financial choices. Sean Koch has been its president for 20 years and has been in the mortgage industry since 1988.

  • Multi-Family Loans

20200 West Dixie Highway, Miami, FL 33180
WebsiteLicense: 1214294

Expertise.com Rating

Review Sources

Google
4.0 (13)
Facebook
5.0 (5)
Zillow
5.0 (5)

Why choose this provider?

LoanSmarter.com assists Miami homebuyers in arranging mortgages. Its team provides assistance in the entire process, from application to closing. The loan specialists work with lenders to provide financing solutions according to clients' unique situations and needs, whether they are refinancing or purchasing. They utilize modern tools and technology, allowing them to address clients' loan needs online. Among the products they offer are jumbo, VA, and FHA loans. In addition to mortgages, LoanSmarter.Com's team also helps clients secure business loans.

  • New Construction

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
Quest Mortgage Services
210887 NW 17th Street Ste 204, Miami, FL 33172Contact Us
Ferrari Lending
8316 Vía Di Veneto, Boca Raton, FL 33496
Lending Bankers Mortgage, LLC
848 Brickell Ave Ste 1200, Miami, FL 33131
Premier Lending Corp
12399 Southwest 53rd Street, Cooper City, FL 33330
EZ Funding Group, Inc.
3350 Southwest 148th Avenue, Miramar, FL 33027
Capital Trust Mortgage Corp.
7765 Southwest 87th Avenue, Miami, FL 33173
William Ledesma
8333 Northwest 53rd Street, Doral, FL 33166
Expert Mortgage Group, Inc.
9600 Northwest 38th Street, Doral, FL 33178
Universal Mortgage, LLC
1430 South Dixie Highway, Coral Gables, FL 33146
Great Florida Lending Inc.
2828 Coral Way, Miami, FL 33145
Miami Mortgage Advisors
201 S Biscayne Blvd Ste 2813, Miami, FL 33131
eMortgage Bankers
10300 Sunset Drive, Miami, FL 33173
The Q Kapital Group Corp.
18851 Northeast 29th Avenue, Aventura, FL 33180
Home Mortgage Center
9360 Southwest 72nd Street, Miami, FL 33173
Housing Finance Authority of Miami-Dade County
7855 Northwest 12th Street, Doral, FL 33126
Wil Reguera
1701 Ponce de Leon Boulevard, Coral Gables, FL 33134
Sunshine Financial Group
370 Miracle Mile, Coral Gables, FL 33134
LoanSmarter.Com
20200 West Dixie Highway, Miami, FL 33180

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.