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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: 5.999% | Rate: 6.125% | Rate: 5.625% |
| APR: 6.087% | APR: 6.254% | APR: 5.706% |
Current Mortgage Rates in Miami – July 2025
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
- Maximize the cash out
- Get great refinance rates
DSCR Loan
DSCR – Investor Cash flow loan or debt service coverage ratio loan
- Measure the property expected cash flow
- 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.
- 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
- 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
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Should I refinance? Tap to find out.
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Frequently Asked Questions About Miami Mortgage Brokers
A Miami mortgage broker connects homebuyers with lenders to find the best mortgage rates and loan terms. They evaluate your financial situation, compare multiple loan offers, and guide you through the application process.
Mortgage brokers in Miami can access a wide network of lenders, often securing better rates and more flexible terms than a single bank. They save you time, money, and help match you with the best mortgage for your needs.
Yes, all Miami mortgage brokers are required to be licensed through the Nationwide Multistate Licensing System (NMLS) and must meet Florida’s state requirements for education and ethics.
Mortgage brokers in Miami are typically paid by the lender or borrower through a small percentage of the loan amount, known as a commission. Always ask your broker for a clear breakdown of fees.
A mortgage broker acts as a middleman between you and the lender, while a lender provides the actual loan. Brokers help compare offers from multiple lenders, giving you more options than a single lender might offer.
Yes, many Miami mortgage brokers specialize in helping clients with less-than-perfect credit. They can connect you with lenders offering subprime or alternative mortgage solutions.
Approval times can vary, but many mortgage brokers in Miami can get pre-approvals within 24–48 hours and complete full approvals in a few weeks, depending on your documentation and lender speed.
Yes, most reputable mortgage brokers in Miami offer access to a full range of loan types, including FHA, VA, Conventional, and Jumbo loans.
We serve clients across Miami-Dade, Coral Gables, Kendall, Doral, Downtown Miami, and surrounding South Florida areas.
Look for brokers with strong local reviews, transparent fee structures, wide lender networks, and experience in your loan type. A top-rated Miami mortgage broker should provide guidance throughout the entire home buying or refinancing process.
My Miami Mortgage Broker Supports the Following Charities
