One Hour Pre-Approval
Exclusively At My Miami Mortgage Broker​

We are passionate about giving our customers more of their time back to focus on family, life and just plain fun! The mortgage process doesn’t need to be stressful or cumbersome which is why we are using the power of AI with our inhouse technology and amazing TEAM who LOVE mortgages to streamline the mortgage process from application to closing in under 14 days. This allows us to pass on the savings to our clients with ZERO junk fees and wholesale mortgage rates saving clients on average 10k.

*no credit check required*

Bank Statement Loan

Bank statement mortgage is the solution for self-employed borrowers.

DSCR Loan

DSCR – Investor Cash flow loan or debt service coverage ratio loan

1099 Income Loan

We can use the 1099 in lieu of your tax returns to qualify for a mortgage.

P&L Loan

The P&L (Profit and Loss Statement) loan program.

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We needed to make an offer
same day. My Miami Mortgage Broker made it happen.

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.

Today’s
mortgage rates

Tap that blue button to see your personalized mortgage

rates and custom mortgage recommendation.

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

How much home can I afford? Should I pay points to get a lower rate?
Should I refinance? Tap to find out.
Image is for example purposes only. Your actual rates, monthly payment, and loan amount will vary.

Customer Reviews

Anthony Breton
Anthony Breton
2024-04-30
I recently purchased my first condo here in Florida and had the pleasure of working with Mike Collada at Miami Mortgage Brokers. He came highly recommended by friends who had great experiences with him. Initially, I was a bit worried about the entire process, but Mike's support and problem-solving quickly put me at ease. I was impressed with the competitive rate Mike secured for me. Compared to the rates my colleagues got though other lenders, I was genuinely pleased. Mike really cared about my best interests. Mike was always available and really understood my needs. Whenever I had a question, he got back to me right away. As someone who worked in finance, I had done my own research, and Mike took the time to explain things thoroughly to make sure I understood everything. Should I find myself in the market again, I wouldn't hesitate to enlist Mike's services. He alleviated much of the stress associated with the purchasing process, and I wholeheartedly intend to endorse him to both friends and co-workers.
Guilherme Fachin da Cunha
Guilherme Fachin da Cunha
2024-03-29
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.
Cyril Bijaoui
Cyril Bijaoui
2024-03-04
The service my client who were purchasing their first home received from Michael Schoonover & Caroline da Dilva from the On-Mortgage team was exceptional! They know what they are doing, and they do it correctly, going above and beyond to take care of every element well ahead of time. Even when faced with the challenge of a financed deal behind a cash transaction contract, which is very risky due to the tight timeline, they handled it seamlessly and successfully. I highly recommend On-Mortgage to anyone wanting a professional, efficient, and reliable lender to handle their financing needs.
Jose Vazquez
Jose Vazquez
2024-02-29
I would definitely recommend Mike and the On-Mortgage team to anyone looking for a top Mortgage Broker in Miami, especially first-time homebuyers. I recently purchased a home in Parkland, and from start to finish, their team was fantastic at guiding me through the application process. Considering this was my first home loan, I felt at ease and very happy with the whole process. The entire team - Mike Collada, Hiba, and everyone else - are great people. Very knowledgeable, transparent, and always thorough! I'd recommend these guys hands down to anyone new to the mortgage process. They work hard to secure you a good rate and move quickly to turn everything around.
Mike Benedetto
Mike Benedetto
2024-02-06
As an insurance agent, the On-Mortgage team and I have been referring clients back and forth for nearly 5 years. I regard them as one of the best mortgage brokers in Miami so when I finally needed a lender for my own home purchase there was only one company I was going to call. They're just great! Always on point - answering calls, emails, and questions promptly and I was supported through every step of the application process. I'm self employed so it wasn't a straightforward loan. I needed a conventional bank statement loan and despite the extra paperwork they still managed to help me close with five days to spare! I wouldn't think twice about using On-Mortgage for myself and will most definitely continue to refer my people their way. The team is a collective of knowledgeable, straight talking mortgage brokers with attention to detail so if you're looking to buy in Miami, be sure to give them a call because they have your lending needs covered!
Jessica Bechard
Jessica Bechard
2024-01-22
I had the pleasure of working with Mike, from On-Mortgage, a truly outstanding mortgage broker, and I couldn't be more impressed with his expertise and professionalism. As a realtor, I have collaborated with numerous mortgage brokers, but Mike's dedication and ability to save deals sets him apart from the rest. Recently, I encountered a major setback when the previous lender denied a loan for one of my clients. Just when I thought all hope was lost, Mike stepped in and worked his magic. He swiftly assessed the situation, utilized his extensive knowledge, and found a way to salvage the deal. This wasn't the first time he came to the rescue for me, and I am immensely grateful for his unwavering commitment. Mike's level of professionalism and knowledge is truly remarkable. He possesses an incredible understanding of the mortgage industry, particularly when it comes to complex and challenging deals. No matter how difficult the circumstances may be, he remains calm, composed, and determined to find a solution. His ability to navigate through intricate financial situations is truly admirable. One of the aspects that stood out to me the most about Mike is his exceptional speed of execution. He wastes no time in taking action and ensures that every step is completed promptly and efficiently. It's as if he has a magical touch that expedites the entire process without compromising on quality. I have never seen someone work as swiftly and effectively as Mike does. I highly recommend Mike as a mortgage broker for any realtor or individual seeking unparalleled service. His commitment to his clients and his ability to overcome obstacles is truly commendable. If you're looking for someone who will go above and beyond to get the job done, Mike is the person to rely on. I am confident that he will continue to excel in his profession and positively impact the lives of many more clients in the future. Thank you, Mike, for your exceptional work and for consistently coming through when it matters the most!
Joel Barry
Joel Barry
2024-01-18
I was introduced to Mike Collada and Miami Mortgage Brokers through my realtor for the financing I needed on my second Miami investment property. I had previously worked with Mike on a previous investment loan too. He's just a stand up mortgage broker who gets it done without messing around. Initially I had another lender helping me, but they couldn't get it over the line so Mike stepped in and just got it done. He's quick, good at responding and tells you clearly what's required for a smooth transaction. If you are investing in Miami and need a mortgage broker to get it handled, Mike is the guy.
Romanjidi 13
Romanjidi 13
2024-01-03
I originally connected with Mike at Miami Mortgage Brokers when I ran into issues trying to finance a condo purchase and found out they had closed a loan in the same building the year prior so my agent helped refer me, and the rest is history! I just used them again to help purchase my new home in Miami, FL and yet again they crushed it. Ask for Mike Collada - He's the guy I use and is always on top of his game - super diligent, organized and just generally a nice person to work with. Whether it's being available to answer any question or ensuring approvals come through on time (both times I got approved way ahead of closing deadlines), Mike has proven time and again why he stands out as a pro mortgage broker. After my most recent transaction with Mike, I know the Miami Mortgage Brokers is a company who genuinely cares about providing 5-star experiences. I can't praise them high enough and fully trust them with any mortgage decisions, moving forward. Happy New Year, Mike and thanks for everything!
Toby Marvel
Toby Marvel
2023-10-20
OnMortgage was fantastic. Great rates in an extremely high-rate environment, well below the big banks and other lenders. Fees and other expenses were also cheaper than industry standard. Chris Emmanuel, Heba, and the rest of the team at OnMortgage do an incredible job and were attentive, informative, and always available to answer any questions my wife and I had. I highly recommend!!
Isabella Garofanelli
Isabella Garofanelli
2023-10-03
Michael and his team are heaven sent. Whether you’re having issues being approved or have the best of scenarios, Michael will get the job done efficiently and with great communication.
Guilherme Cunha
Guilherme Cunha
2024-03-29
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 Rosario
Kevis Rosario
2024-02-21
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 Wright
Ben Wright
2024-02-19
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 Meliksetyan
LIANA Meliksetyan
2024-02-07
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!
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user950724168
2024-01-23
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 Flores
Daniel E Flores
2024-01-17
!! 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 Hakopian
Josephine Hakopian
2023-12-19
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.
Pinedac13
Pinedac13
2023-12-12
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 Fernandez
Carlos Fernandez
2023-12-11
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 S
Dani S
2023-12-07
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.