One Hour Pre-Approval
Exclusively At My Miami Mortgage Broker
Getting a mortgage doesn’t have to be stressful. We use cutting-edge AI and our dedicated team to simplify the process from application to closing in under 14 days. With ZERO “junk fees” and access to Wholesale Rates saving our clients an average of $10,000 compared to banks and retail mortgage lenders.
*no credit check required*

30 Year Fixed | 30 Year Jumbo | 30 Year FHA |
---|---|---|
Rate : 6.125% | Rate: 6.250% | Rate: 5.750% |
APR: 6.251% | APR: 6.361% | APR: 5.896% |
Refinance and Save BIG
Payoff your high-interest rate credit cards & loans.
- Maximize your Savings
- Reduce your monthly expenses
- Home Improvements

Bank Statement Loan
Bank statement mortgage is the solution for self-employed borrowers.
- Maximize purchasing power
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Maximize the cash out
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Get great refinance rates

DSCR Loan
DSCR – Investor Cash flow loan or debt service coverage ratio loan
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Measure the property expected cash flow
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Determine the ability to repay the loan

1099 Income Loan
We can use the 1099 in lieu of your tax returns to qualify for a mortgage.
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Works for contractors, freelancers and much more
- Qualify for a mortgage!

P&L Loan
The P&L (Profit and Loss Statement) loan program.
- Get the most accurate rate
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For self-employed borrowers
- Get an accurate picture of your income


0% Down Payment Available for First Time Homebuyers
- Quick and Easy Preapproval Process
- Complete Your Application Online in Minutes
- Available for Single-Family Homes, Townhomes, and Condos
Digital HELOC
- Access a Credit Line Ranging from $50,000 to $500,000
- Access Up to 90% of Your Property's Value
- Available for Primary Residences, Second Homes, and Investment Properties

"
We needed to make an offer
same day. My Miami Mortgage Broker made it happen.
Get a Free No-Obligation
Loan Pre-Approval!

We are passionate about helping self employed borrowers
We are passionate about helping small business owners, contractors, and Real Estate investors, swiftly and efficiently finance their investment goals. We customize our loan options for each unique project investment needs. No Upfront Fees! No Junk Fees! No Tax Returns!
OnMortgage provides access to funds, ensuring that all your real estate investment goals are obtainable. Our team is dedicated to assure the best possible options for our prospective borrowers.
- 14 Years In Business
- 2 Billion In Funded Loans
- Over 5,000 + Happy Customers
Bank statement loans are BIG solution for self-employed and 1099 borrowers
Are you tired of getting denied at banks and lenders who don’t understand your cash flow or business model. They keep asking for more documents only to get denied. Stop wasting your time and work with a lender who understands business owners and hardworking self-employed borrow. This is why we came up with the 3 month and 12-month bank statement loan program. Now you can apply with only credit, assets, and bank statements with NO tax returns required. Think outside the banks and work with us to finance your next dream home or investment. We do not require W2’s, pay stubs or tax returns to qualify. Our bank statement program allows you to qualify for a bigger home purchase with less documents and hassle. Do not miss your next home or investment purchase with this amazing loan program that is designed for hard working self-employed borrowers like yourself. Give us a call today to discuss your options with no credit check required.

The tools you need to
make the next step
Should I refinance? Tap to find out.


Customer Reviews
Guilherme Cunha2024-03-29 Super Knowledgeable and always two steps ahead Review for Member: Caroline Da Silva Super Knowledgeable and always two steps ahead Caroline Da Silva from Miami Mortgage Brokers just got us approved for our first mortgage, and we would definitely work with her again after this experience! From the moment our broker connected us with Caroline, she was always several steps ahead throughout the process and had everything set in place - from the mortgage team to her recommendations for inspections, everyone was on hand to help move the purchase along. Even when issues arose that weren't caused by Caroline, she found solutions to fix them and keep things moving. We were impressed that Miami Mortgage Brokers had us clear to close a week early, despite the seller causing a slight delay. They also worked hard to find us a good rate. I researched it afterward, and they actually got me the best rate on the market. On top of all that, their fees came in below what they initially disclosed, so we ended up saving a couple of grand. After this experience, I would recommend Miami Mortgage Brokers to anyone needing a reliable lender. They made our first home buying process smooth and stress-free, and we're grateful for their expertise and dedication. Kevis Rosario2024-02-21 Honest, knowledgeable and friendly Review for Member: Javier Mercado Honest, knowledgeable and friendly Javier listened to our story and made a recommendation that has led my wife and I to an improved financial lifestyle. No more shopping around. Javier has a lifetime customer here! Ben Wright2024-02-19 Lux Condo Financed Perfectly ! Review for Member: Christian Emanuel Lux Condo Financed Perfectly ! Chris was outstanding throughout the entire transaction! Always accessible and was able to provide the best financing option when others could not! I would highly recommend him and hope to do more transactions with him LIANA Meliksetyan2024-02-07 Exceptional Service from loan officer Chris Review for Member: Christian Emanuel Exceptional Service from loan officer Chris I recently had the pleasure of working with Chris as my loan officer, and I cannot speak highly enough of his exceptional service. From the moment I reached out, Chris demonstrated an impressive level of knowledge and expertise in the lending process. He guided me through every step with clarity and patience, ensuring I understood the intricacies of the loan process. What truly sets Chris apart is his remarkable efficiency. Not only was he incredibly responsive to my inquiries, but he also expedited the loan process, resulting in the quickest and smoothest transaction I’ve ever experienced. His dedication to providing a seamless experience is truly commendable. Overall, I am extremely satisfied with Chris’s assistance, and I would highly recommend him to anyone seeking a loan officer who is not only knowledgeable but also goes above and beyond to deliver outstanding service. Thank you, Chris, for your invaluable help! user9507241682024-01-23 Heloc Review for Member: Damarys Aguilar Heloc Very Profecional,help full, she work very hard to be able to get what I want she’s is good always contacting me for any questions on point I personally recommend her Daniel E Flores2024-01-17 !! EXELENTE CAROLINA !! Review for Member: Caroline Da Silva !! EXELENTE CAROLINA !! Nos sentimos felices con. Carolina. por la total ayuda q hizo posible para la compra de nuestra primera casa. En todo momento demostró profesionalismo y entrega en conseguir los mejores costos y beneficios para nosotros . Quedamos totalmente agradecidos 😊😊 Josephine Hakopian2023-12-19 Miami Dream Deal Review for Member: Christian Emanuel Miami Dream Deal Chris, Working with you on my Miami dream was an absolute blessing. Your dedication and persistence made the impossible happen, turning my dream into a reality. I'm genuinely grateful for your commitment to securing the best deals and ensuring I understood every step of the process. You're remarkable, and I eagerly anticipate making all my future business decisions with loans through you. Without a doubt, I highly recommend Chris for anyone seeking a reliable and dedicated professional in this field. Thank you 🙏🏼, Josephine H. Pinedac132023-12-12 Best Loan officer in the Business! Hurry, call Caroline today! Review for Member: Caroline Da Silva Best Loan officer in the Business! Hurry, call Caroline today! Caroline is amazing as a loan officer. She is my preferred lender. If you're looking for someone that will remain on top of the process, answer all your questions when needed, answer your phone call and emails quickly, someone that puts your interest first before their own, call Caroline! She'll get you a lower rate and cost... you won't go wrong! No need to worry, She's constantly working your file. Must say, she also has a team of expect to help get through almost any obstacles presented in the process. Don't wait, call Caroline for your next purchase! Carlos Fernandez2023-12-11 Outstanding professional Review for Member: Caroline Da Silva Outstanding professional Caroline was able to close my loan within 3 weeks and offered a great rate with no points. I was initially working with another bank but I am happy I switched over as the process was smooth. Caroline was very professional and responded quickly. Dani S2023-12-07 Amazing experience Review for Member: Christian Emanuel Amazing experience First time I get a loan. Chris made it simple, fast, and hazle free. Above all, he had the patience and took the time to explain things to me as everything was new to me. Would absolutely recommend working with him. I will absolutely use him in my next purchase.Zillow rating score: 5.0 of 5, based on 70 reviews
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