Mortgage Broker in Miami, Florida

Expert home financing serving Miami-Dade County • 23+ Years Experience • NMLS #60093

Call (954) 394-1959 Calculate Payment Get Pre-Approved
$545,000
Median Home Price
467,963
Population
Miami-Dade County
County
23+
Years Experience

Miami Real Estate Market Overview

Miami is a global city with a diverse, competitive real estate market. From luxury high-rises in Brickell to historic estates in Coral Gables to waterfront properties in Key Biscayne, Miami offers something for every buyer. Strong international investment, no state income tax, and year-round sunshine drive demand. Expect multiple offers and fast-moving inventory.

Who's Buying in Miami?

Popular Loan Programs in Miami

Miami Neighborhoods We Serve

Louis Doherty helps homebuyers and investors secure financing throughout Miami's diverse neighborhoods:

Brickell
Coral Gables
Coconut Grove
Wynwood
Edgewater
Design District
South Beach (Miami Beach)
Key Biscayne
Aventura
Doral

Mortgage Loan Programs for Miami

FHA Loans

3.5% down payment, flexible credit requirements. Perfect for first-time buyers in Miami.

VA Loans

0% down for veterans and active military. No PMI. Serving Miami-Dade County veterans.

Jumbo Loans

Luxury home financing for Miami properties over $766,550. Competitive rates.

Refinancing

Lower your rate, reduce payments, or access equity. Miami refinance expert.

Investment Properties

DSCR and portfolio loans for Miami rental properties. 1-10+ doors.

Self-Employed

Bank statement and 1099 programs. No tax returns required for Miami business owners.

Why Choose a Miami Mortgage Broker?

  • Deep Miami Market Knowledge: Understanding of Miami-Dade County neighborhoods, pricing trends, and property values
  • Local Relationships: Connections with Miami realtors, appraisers, and title companies for smooth closings
  • 23+ Years Florida Experience: Proven track record serving Palm Beach County, Broward County, and Miami-Dade County
  • Access to 150+ Lenders: More loan options and better rates than single-bank lending
  • Fast Pre-Approvals: Same-day pre-approval letters for competitive Miami market
  • All Loan Types: FHA, VA, conventional, jumbo, investment, self-employed, foreign national
  • Personalized Service: One-on-one guidance from application to closing

Miami Mortgage FAQs

Common questions about buying or refinancing in Miami. Have more questions? Call Louis at (954) 394-1959

Minimum credit scores vary by loan type: 580 for FHA (3.5% down), 620 for conventional, 640+ for DSCR/investment, and 700+ for jumbo loans. Miami's competitive market favors buyers with strong credit (740+) who can move quickly with solid pre-approval.

Brickell condos range from $350k (studios) to $2M+ (penthouses). Edgewater condos range $400k-$1.5M. Factor in HOA fees ($400-$1,200/month), parking ($150-$300/month), and high property taxes. Jumbo loans available for properties over $766,550 with 10-15% down.

Yes! DSCR (Debt Service Coverage Ratio) loans allow you to qualify based on the property's rental income, not your personal income. The rent must cover 1.0-1.25x the monthly mortgage payment. No tax returns required. Ideal for investors with multiple properties.

Most waterfront and low-elevation Miami properties require flood insurance (zone A or V). Flood insurance costs $500-$3,000/year depending on zone and elevation. We factor flood insurance into your debt-to-income ratio during pre-approval to ensure you qualify comfortably.

Miami is highly competitive with homes averaging 15-30 days on market in desirable areas like Coral Gables, Coconut Grove, and Wynwood. Expect multiple offers, especially under $750k. Pre-approval and strong financing terms are essential to winning bidding wars.

Miami Client Success Stories

Read what Miami homebuyers and investors say about working with Louis Doherty:

★★★★★

"We relocated from NYC and Louis helped us navigate the Miami market. He secured a jumbo loan for our Coral Gables home with a great rate. His local expertise was invaluable. Highly recommend!"

Sophia & Daniel P.

Coral Gables, Miami • Jumbo Loan • April 2025

★★★★★

"Buying my first condo in Brickell was intimidating, but Louis made it easy. He explained HOA approvals, got me pre-approved fast, and we closed in 30 days. Love my new place!"

Ricardo M.

Brickell, Miami • Condo Purchase • March 2025

★★★★★

"Louis helped me secure financing as a foreign buyer from Colombia. The process was smooth and professional. I now own a beautiful waterfront condo in Edgewater with amazing bay views!"

Ana G. (Colombia)

Edgewater, Miami • Foreign National Loan • February 2025

Ready to join our Miami success stories?

Call (954) 394-1959 Apply Now

Contact Your Miami Mortgage Broker

Louis Doherty - Mortgage Loan Officer

Company: Edge Home Finance Corporation

Phone: (954) 394-1959

Email: louis.doherty@edgehomefinance.com

NMLS: #60093 | Company NMLS: #891464

Office: 20283 State Road 7, Suite 332, Boca Raton, FL 33498

Hours: Mon-Fri 8am-6pm, Sat 9am-2pm

Serving: Miami, Miami-Dade County, and all South Florida

Service Areas

Primary: Miami, Miami-Dade County

ZIP Codes: 33125, 33126, 33127, 33128, 33129, 33130, 33131, 33132, 33133, 33134, 33135, 33136, 33137, 33138, 33139, 33140, 33141, 33142, 33143, 33144, 33145, 33146, 33147, 33150, 33155, 33156, 33157, 33158, 33160, 33161, 33162, 33165, 33166, 33167, 33168, 33169, 33170, 33172, 33173, 33174, 33175, 33176, 33177, 33178, 33179, 33180, 33181, 33182, 33183, 33184, 33185, 33186, 33187, 33188, 33189, 33190, 33193, 33194, 33195, 33196, 33197, 33199

Licensed In: FL, GA, PA, WA, CA, CO, NC