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Welcome to Miami Lending Advisors LLC, a premier mortgage company based in South Florida. Our leadership team consists of Maria, Ana, and Claudia, lifelong Miami residents and friends for over two decades. Together, we have more than 30 years of combined experience in the financial and lending industry.
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Miami Real Estate Market Trends 2024
Welcome to the heart of opportunity in the Sunshine State! The Miami Real Estate Market Trends are showing an exhilarating…
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Whether you are a first time homebuyer or an experienced real estate investor, having a mortgage team you can count on is crucial.
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FAQ Home
How much is a downpayment on a house in Miami?
Down payments vary per lending program. Conventional loans usually need 3% down. You must put 3.5% down on an FHA loan. Florida’s first-time homebuyer aid programs may provide a second loan for this down payment.
Can you finance a house in Florida?
This program offers government-backed FHA, VA and USDA 30-year fixed-rate mortgages to borrowers who meet income and purchase-price limits. It can be combined with the Florida Assist program for help with down payments and closing costs.
Can you buy a house in Florida with no down payment?
If you’re wondering if you can buy a house with no money down, the good news is that yes, as long as you meet the qualifications, you can! Perhaps saving up for a down payment just isn’t in the cards any time soon or you’re tired of renting.
Is it hard to get financing for a house?
You will need to meet several requirements depending on the type of loan to be approved for a mortgage. In general, you need to have proof of income for a minimum of two years sufficient to pay the mortgage, a down payment of at least 3.5%, and a credit score of at least 620.
How much income do you need for 400k mortgage?
What income is required for a 400k mortgage? To afford a $400,000 house, borrowers need $55,600 in cash to put 10 percent down. With a 30-year mortgage, your monthly income should be at least $8200 and your monthly payments on existing debt should not exceed $981. (This is an estimated example.)
