We Are a Boutique Mortgage Company In Miami
Choosing a boutique mortgage company can make all the difference when buying a home in Florida’s dynamic market. With tailored guidance and personalized service, you’ll be better equipped to make the right financing decision for your homeownership journey.
Benefits of working with a boutique mortgage broker in Miami
Boutique mortgage brokers offer the flexibility and personal touch big banks can’t.
Personalized Service
Expert Guidance
Faster Processes
Client-Centric Approach
Why you should work with Miami Lending Advisors for your Mortgage
We specialize in tailored solutions, making financing seamless for local and international clients.
Expertise in the mortgage industry
Personalized financing solutions
More than competitive interest rates
Dedicated, professional team
We are the experts in the industry, look no further
We are based in Miami and specializes in financing for the South Florida real estate market, offering expert services in both residential and commercial loans to domestic and international clients.
We pride ourselves on providing personalized service in English and Spanish, ensuring a seamless mortgage experience. Our expertise extends to warrantables and non-warrantable condos, new developments, homeowner’s associations, and corporate structures, guiding our clients through each step of the process.
Your Miami investment deserves expert guidance — take the first step now.
20 Day Average Close
30 Years Combined Experience
75+ Mortgage Programs
100% Client Satisfaction
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Our Loans Programs
Find Your Perfect Loan in Florida.
Whether buying a home or investing, our expert guidance ensures a confident financial start. Explore your ideal loan today!
For Homebuyers
- Jumbo Loans
- Conventional Loans
- Low Down Payment options
- FHA & VA Loans
- Programs for doctors, lawyers, CPAs, and Self-Employed
For Real Estate Investors
- Fix & Flip Loans
- Short-Term Rental
- Loans in LLC or personal name.
- Investor Loans (DSCR) – based on rental income.
- Programs for International investors with no U.S. credit or income required.
By Property Type
- Residential Homes - 1 - 4 units
- Condos – Non-warrantable options.
- Condo-Hotels – Short-term rental units.
- Multi-Family – 4 to 24 units.
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Commercial – Offices, retail,
mixed-use
We Are a Boutique Mortgage Company In Miami
The support of a boutique mortgage company can make all the difference when it comes to buying a home in the bustling and diverse market of the Sunshine State. Whether you’re exploring your options or ready to secure financing, understanding the unique benefits of a boutique firm can help you make a well-informed decision at this critical juncture of your homeownership journey.
Frequently Asked Questions
1. How does being self-employed, a business owner, or an investor affect my chances of getting approved for a mortgage in Miami?
Being self-employed, a business owner, or an investor should not affect your chances of getting a mortgage approved in Miami. There are many programs in the market that people don’t know about that allow us to qualify you as a business owner or self-employed, without your tax returns.
For example, we can use bank statements for your business or your personal account. We can use a profit and loss statement from your accountant, or we can calculate the DSCR Loans based on the property’s income.
So do not get discouraged. If you don’t think you qualify, always make sure that you talk to your mortgage broker and see what options you have. Also, remember that these programs are highly competitive in terms of rates and terms, so it’s not like you’re entering on a hard money loan or anything like that.
2. I’m a foreign national buying property in Miami — what are the specific loan requirements and options available for international buyers?
If you’re a foreign, national, or international investor, the specific loan requirements will depend on the type of program that we use for you. In general terms, we will be able to qualify you as an international investor by verifying your income. In the country where you live, this will be done with documents from your accountant or CPA from the country where you live.
We’ll also have to verify bank statements in accounts that you have in the US or accounts that you have in your country of origin, but in general terms, getting approved as a foreign national buyer or international investor, if you get the right mortgage broker and the right program, it’s a straightforward process.
3. What are the typical closing costs for buying a home in Miami, including taxes, insurance, and lender fees?
When you are buying a home or a property in Miami with a mortgage, your typical closing cost will be in the range between 3% to 5%, or 6% if you’re buying a new development. It also depends on the type of program that you’re using. If it’s a primary home, probably your closing costs are gonna be lower than if you’re buying an investment property.
Closing costs include title fees, underwriting fees, broker fees, insurance for your property, and property taxes. So make sure that you talk to your bank or your mortgage broker and get an estimate and a detailed breakdown of your closing costs, so you consider everything when you make the decision.
4. How long does it take to close a mortgage in Miami, and what are the most common delays in the process?
Buying a property with a mortgage in Miami should not take more than 30 days. This is if we’re very organized from the beginning.
Usually, we need to gather documents, send the loan to underwriting, get an appraisal, get the property and the buyer approved, and then we can schedule closing.
The common delays will be when the borrower or buyer does not provide all the documents that we need. Maybe if you’re buying a condo, the association is very slow in giving us the information that we need to approve the condo. Or maybe you don’t have the best title company, the best agent, or the best mortgage broker, and they’re very slow at responding and communicating.
So make sure that you have the best team regarding a realtor, title company, mortgage broker, and bank, so your closing doesn’t take more than 30 days.
5. What documents do I need to get a mortgage in Miami, and what happens if my income or job changes during the approval process?
To apply for a mortgage to buy a property in Miami, we need very basic documents. At the beginning of the process, we’re gonna need to verify your income. Those are the ways that we verify income:
- Tax returns
- Copy of your Form W-2, Wage and Tax Statement
- Copy of your pay stubs
- Copy of your bank statements
- A letter from your CPA or accountant.
Then, we have to verify your assets, and for that, we will need a copy of your bank statements where you have the money that you’re gonna be using for this transaction. And we will run a credit report if you have a social security number, and we will analyze all the debts that you have there so we can see what your debt-to-income ratio is.
If your job changes during the approval process, you need to make sure that you let your mortgage broker know. This doesn’t mean that you’re not gonna get approved. It only means that we have to update the information and make sure that the new job conditions are enough for approval.