Kendall · Southwest Miami-Dade
Kendall Mortgage Broker
Kendall is where many Miami families go for a yard, good schools and a shorter drive than the far suburbs, and inventory is tight because of it. On Mortgage helps you buy here with a strong pre-approval and a loan priced against dozens of wholesale lenders.
On Mortgage: Your Trusted Kendall Mortgage Broker
On Mortgage is dedicated to serving Kendall, a large Miami suburb known for its family-friendly feel, good schools and active housing market. First home, refinance or rental, we fit the mortgage to the goal.
Kendall is not a city. It is a large unincorporated area of Miami-Dade County, governed and served by the county itself, and that shapes a few things a buyer should know. Property taxes follow the county’s unincorporated area rates rather than a separate city millage. Many neighborhoods are covered by small special taxing districts that pay for street lighting, landscaping or security, and those charges appear on the tax bill. And because there is no single city, Kendall is really a collection of distinct communities, each with its own character and price range.
See today’s Kendall mortgage rates, or plug in your own numbers in the Miami-Dade rate finder.
Kendall rates today, priced for Miami-Dade
No points, no credit
0.125 points
0.162 points
$672 lender credit
$713 lender credit
Par rate per program for a single-family primary residence in Miami-Dade County, 20% down, 780+ credit, 30-day lock, escrows included. Rates change through the day and are not a commitment to lend. Price your own Kendall scenario, no credit pull.
Kendall’s Mortgage Broker Offering the Lowest Rates
We specialize in Kendall residential mortgages.
When inventory is limited, buyers rarely have time to shop a mortgage after they find the house. On Mortgage does the shopping up front. Your one application goes to many wholesale lenders, we compare their rate, points and fees, and you start touring homes knowing exactly what your loan will cost and with a pre-approval that sellers take seriously.
For first-time buyers, we compare FHA, conventional with 3% to 5% down and VA loans. For move-up buyers, we look at whether your loan lands under or over the conforming limit, and whether a little more down would save more than it costs. For homeowners, a refinance can lower your rate or fund updates.
Kendall Real Estate Market Insights
As of mid-2026, the median sale price in Kendall is around $450,000. As your local Kendall mortgage broker, On Mortgage matches you with financing for the part of Kendall you choose:
| Area | Typical homes | Financing notes |
|---|---|---|
| Dadeland and east Kendall | Condos and townhomes near Dadeland Mall and the Metrorail, plus older single-family homes | Condo reviews; FHA approval if using FHA; commuter-friendly |
| Kendale Lakes and Three Lakes | Single-family homes and townhomes from the 1970s and 1980s, many on lakes | Conventional and FHA; roof age and four-point inspections |
| The Hammocks and The Crossings | Planned communities with single-family homes, villas and townhomes | HOA and master association dues; conventional and VA |
| Kendall West | Newer homes and townhomes toward the Turnpike and Krome Avenue | HOA communities; first-time and move-up buyers |
| Country Walk and south Kendall | Communities largely rebuilt after Hurricane Andrew to stronger codes | Often better insurance quotes than older homes nearby |
Buying a family home in Kendall
Most Kendall buyers are families, many moving up from a condo or townhome or moving south from more expensive parts of Miami. A few things make the process smoother here.
Get fully pre-approved. With limited inventory, the best homes draw several offers. A pre-approval with income and assets already reviewed makes your offer stronger than one backed by a quick prequalification.
Plan the whole payment. Miami-Dade insurance, property taxes, HOA or master association dues, and any special taxing district charges all count. We build them into your pre-approval so the number you see is the number you pay.
Watch the age of the home. Much of Kendall was built from the 1970s through the 1990s. Roof age, electrical panels and plumbing drive the insurance quote on older homes. Homes rebuilt after Hurricane Andrew to stronger codes often insure more easily.
Use your equity. If you are moving up, the equity in your current home can fund the down payment. We can help you sequence the sale and the purchase.
Investment Opportunities in Kendall
Kendall offers solid opportunities for real estate investors. Its location in southwest Miami-Dade, with Dadeland, the Metrorail, a major hospital and a large college campus nearby, has driven growing rental demand for both single-family homes and multi-unit properties. On Mortgage arranges financing for investment properties to help you make the most of this market.
Tenants here include families who want Kendall schools before they can buy, hospital and medical office staff, students and faculty, and workers commuting to downtown Miami by rail. Single-family homes and townhomes rent well, though many HOA communities limit leasing, so check the rules before you buy.
With a DSCR loan, the lease does the qualifying, and the deed can go in your LLC. See how lenders calculate it on our DSCR loans page.
Homeowners insurance and property taxes in Kendall
Kendall homeowners pay Miami-Dade-level premiums, near the top of the state, though its inland location keeps storm surge out of the picture for most homes. Newer and post-Andrew homes with impact windows and hip roofs frequently earn meaningful credits on a wind mitigation report, while older homes may need a new roof to insure well. The tax rate below is the countywide figure; Kendall homes pay the county’s unincorporated area rates plus any special taxing district charges. Here is the escrow on a homesteaded home at the Kendall median price.
Sources: Florida county homeowners insurance premiums (worthinsurance.com) and county total millage (movewithmomentum.com), updated October 2026. Your own premium depends on the home’s age, roof, construction and wind mitigation features, and flood coverage is a separate policy. Property tax and homeowners insurance are estimates (1.2% and 0.85% of the home’s value per year). Your actual taxes and insurance premium depend on the property, exemptions and the policy you choose, and will be confirmed on your Loan Estimate. Run your own numbers.
Kendall Housing Market Forecast
Experts predict about a 3.1% increase in Kendall home values over the coming year, driven by strong demand and limited inventory. Kendall offers what many Miami families want, a single-family home with a yard in a suburban setting, without the longer commute of the county’s farthest suburbs, and there is very little land left to build more of it.
Growing interest in suburban living and the area’s schools, parks and transit support that outlook. At On Mortgage, we are here to guide you every step of the way, from your first pre-approval to closing day.
Why Choose On Mortgage as Your Kendall Mortgage Broker?
Kendall buyers need speed in a tight market and lenders that understand Miami-Dade costs. OnMortgage offers:
- Conventional loans for houses, townhomes and condos
- FHA loans for first-time buyers
- VA loans with no down payment for those who served
- Jumbo loans for larger homes near Pinecrest
- Deposit-based loans for the self-employed
- DSCR loans qualified on rent
- Refinancing and cash-out
Also considering Homestead, Doral or Miami? Our areas we serve page lists the rest.
Our Reviews
What Florida borrowers say after closing with On Mortgage. Five stars on Google (130 reviews) and Zillow (92 reviews).
“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. We were impressed that Miami Mortgage Brokers had us clear to close a week early,...”
“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.”
“I recently had the pleasure of working with Chris as my loan officer, and I cannot speak highly enough of his exceptional service. He guided me through every step with clarity and patience. 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...”
Kendall mortgage broker: your questions
Is Kendall a city?
No. Kendall is a large unincorporated area of Miami-Dade County, served directly by the county. That means property taxes follow the county’s unincorporated area rates rather than a city millage, and many neighborhoods also pay small special taxing district charges for lighting, landscaping or security. The mortgage process is the same as anywhere else in the county.
How competitive is the Kendall housing market?
Inventory is limited and demand from families is steady, so well-priced single-family homes often draw multiple offers. Line up a full pre-approval first, settle the payment ceiling with taxes, insurance and dues included, and expect to decide quickly. Condos and older homes that need work usually leave more room to negotiate.
What are special taxing district charges on a Kendall tax bill?
Miami-Dade creates special taxing districts so a neighborhood can pay for services like street lighting, landscape maintenance or guard gates. The charge appears on the property tax bill and varies by neighborhood. Lenders count it in your monthly payment, so we include it when we qualify you.
Can I use FHA to buy a Kendall townhome or condo?
For a condo, the project must be on FHA’s approved list. Many townhomes in Kendall are fee-simple, owned with the land, and do not need condo approval, but some are legally condominiums. We confirm which applies before you make an offer and suggest conventional financing if FHA is not available.
Are Kendall homes expensive to insure?
Miami-Dade premiums are among the highest in Florida, but Kendall’s inland location helps, and homes rebuilt or built after Hurricane Andrew to stronger codes often qualify for wind mitigation discounts. Roof age is usually the biggest factor on older homes. We get quotes during your inspection period.
Why use a Kendall mortgage broker instead of a bank?
In a tight market you need pricing and speed. A broker shops many lenders at once, finds the one that fits your situation and can move quickly, so your offer competes. You also have one consultant coordinating the lender, appraisal and title company through closing.
More for Kendall borrowers
Nearby in Miami-Dade
Contact OnMortgage: Kendall’s Leading Mortgage Broker
Whether you are buying near Dadeland, in The Hammocks or in Kendall West, our brokers will compare lenders and help you compete in a tight market. Get a free quote today.