Southwest Miami-Dade · live pricing
Today’s Kendall Mortgage Rates
Live rates for Kendall homes, townhomes and condos, shopped across many wholesale lenders. In a market where good homes go under contract in about six weeks, knowing your rate before you tour is half the battle.
See Live Kendall Mortgage Rates And Closing Costs!
0.125 points
No points, no credit
$374 lender credit
$672 lender credit
$1,577 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.
Kendall rates come from the same Miami-Dade pricing as the rest of the county; what changes from buyer to buyer is the loan. A move-up family putting 20% down from the sale of a condo gets a different price than a first-time buyer with 5% down, and a townhome that is legally a condominium prices differently from one that is fee simple. On Mortgage puts your exact scenario in front of many lenders and shows you each one’s rate, points and costs side by side.
Run your own numbers in the Miami-Dade rate finder, or see how our Kendall mortgage broker team prepares buyers for a tight market.
Kendall Mortgage Rates Today: Unlock the Best Deals for Your Home Loan
Our panel’s benchmark this morning, a 30-year fixed at par on a Miami-Dade house with a fifth down and top-tier credit, is 6.625% (11/9/2026). The tools below show what that means for real Kendall purchases.
Townhome or condo?
Fee-simple townhomes price like houses. Townhomes and villas that are legally condominiums can carry a condo adjustment with less than 25% down and need a project review.
Breakpoints matter
Pricing improves at certain credit scores and down payments. Moving from 18% to 20% down removes mortgage insurance entirely; we show you where your breakpoints are.
Points or credit
In a seller’s market you may not get closing cost help, so a small lender credit can lower your cash to close. If you plan to stay, points can lower the rate. We show the break-even.
Kendall Refinance Rates: Refinancing Your Home for Better Terms
$531 lender credit
No points, no credit
$374 lender credit
$672 lender credit
0.049 points
Rate-and-term refinance pricing for a Miami-Dade single-family primary residence with 20% equity and 780+ credit. Price your own Kendall scenario, no credit pull.
Kendall homeowners usually refinance for one of four reasons: to lower the rate after buying when rates were higher, to remove mortgage insurance once their equity reaches 20%, to take cash out for a roof or impact windows that also cut insurance costs, or to fund the down payment on a move-up purchase. Each has a different cost and break-even point.
Because Kendall values have held steady, many owners who bought with 5% or 10% down a few years ago now have enough equity to drop mortgage insurance. Sometimes the lender will remove PMI on request with a new appraisal, without a refinance. We will tell you which route is cheaper. Our refinance calculator and refinance page have the details.
Kendall 30-Year Mortgage Rates: Long-Term Stability for Homebuyers
For a family planning to stay through the school years, a 30-year fixed offers the lowest stable payment. A 15-year costs more each month but builds equity fast and saves a large amount of interest. At the Kendall median, using today’s live rates:
| $450,000 home, 20% down ($360,000 loan) | 30-year fixed at 6.625% | 15-year fixed at 5.750% |
|---|---|---|
| Monthly principal and interest | $2,305 | $2,989 |
| Total interest over the full term | $469,843 | $178,106 |
| Each 0.25% in rate changes the payment by | about $60 a month on the 30-year | |
Principal and interest only, at today’s par rates for a Miami-Dade primary residence with 20% down.
Kendall Best Mortgage Lenders: Your Trusted Partner in Home Financing
| Kendall buyer | Lender we usually look to first | Why |
|---|---|---|
| First-time buyer, modest down payment | FHA and low down payment conventional lenders | Best pricing and mortgage insurance for 3% to 5% down |
| Move-up family selling a condo | Conventional lenders with fast turn times | Clean, quick approvals that compete in a 45-day market |
| Veteran or service member | VA lenders | No down payment and no monthly mortgage insurance |
| Business owner | Bank statement lenders | Qualify on deposits when returns understate income |
| Larger home near Pinecrest | Jumbo lenders | Competitive pricing above the conforming limit |
We match each Kendall borrower with the lender whose guidelines and pricing fit best, then manage the loan through closing.
Kendall FHA Loan Rates: Affordable Homeownership Solutions
FHA rates are often lower than conventional rates, but FHA adds an upfront and an annual mortgage insurance premium. Conventional loans charge private mortgage insurance that depends heavily on credit and can be removed later. For a first-time buyer with a 680 credit score looking at a $400,000 Kendall townhome, an illustrative price below the median where many first purchases happen, today’s live pricing compares like this:
| $400,000 purchase, 680 credit | Conventional, 5% down | FHA, 3.5% down |
|---|---|---|
| Down payment | $20,000 | $14,000 |
| Loan amount | $380,000 | $392,755 (includes 1.75% upfront MIP) |
| Today’s rate | 7.599% | 6.250% |
| Principal and interest | $2,683/mo | $2,418/mo |
| Mortgage insurance | $304/mo PMI | $177/mo MIP |
| Total before taxes and insurance | $2,987/mo | $2,595/mo |
| Mortgage insurance ends | When you reach 20% equity (cancellable) | Usually lasts the life of the loan with under 10% down |
Live pricing for a Miami-Dade primary residence; estimated mortgage insurance. Taxes, homeowners insurance and HOA dues are additional.
FHA condos must be on FHA’s approved project list. See the full picture on our Kendall FHA loan page.
Find the Best Kendall Mortgage Rates with On Mortgage
Kendall is a lively suburban community just southwest of Miami, known for its schools, its variety of neighborhoods and its shopping and dining. On Mortgage offers competitive Kendall mortgage rates and loans fitted to each family’s plans.
Kendall’s Real Estate Market Overview
Kendall homes closed at a median of about $450,000 in mid-2026, and most spent around 45 days on the market. That is quicker than much of South Florida, which is why a ready pre-approval matters here. We watch Kendall pricing every business day and flag the right moment to lock.
Why Buyers Love Kendall
Kendall offers a suburban lifestyle with city conveniences: well-regarded schools, parks, Dadeland and its Metrorail stations, and quick access to the major highways. Whether you are a first-time buyer or upgrading, there is a Kendall neighborhood and a loan to match.
Near Dadeland
Condos and townhomes close to shopping and the Metrorail, ideal for commuters to Brickell and downtown.
The lake communities
Kendale Lakes and Three Lakes offer single-family homes and townhomes on the water, many built in the 1970s and 1980s.
Planned communities
The Hammocks, The Crossings and Kendall West offer HOA communities with pools and parks, popular with families.
Taxes and insurance on a Kendall home
Kendall pays Miami-Dade insurance rates, among the highest in Florida, but sits inland, and homes rebuilt after Hurricane Andrew often earn wind mitigation discounts. Property taxes follow the county’s unincorporated area rates, and many neighborhoods add small special taxing district charges. Here is the escrow on a homesteaded home at the Kendall median price, before HOA dues.
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 Mortgage Rate Trends
Kendall’s real estate market has stayed stable, with slight appreciation projected for the year ahead and homes typically on the market for around 45 days. Rates themselves follow the national bond market. For Kendall buyers, the bigger local trend is competition: with limited inventory, buyers who can close quickly and cleanly have the edge, and sellers are less likely to offer closing cost credits than in slower parts of the county.
That makes the structure of your loan especially important. A lender credit can stand in for seller help, and a rate lock that covers your contract period protects you from a jump in rates while you wait to close. Our team tracks the market so you lock the best Kendall rate for your situation.
Why Choose On Mortgage for the Best Kendall Mortgage Rates?
Families, retirees and investors all find value in Kendall. This is what we bring to each of them:
Competitive mortgage rates for single-family homes and townhomes
Quotes gathered from a deep lender bench, with every townhome classified correctly before pricing.
FHA loans with low down payment options
A family gift can cover the 3.5%, and we always run the conventional alternative beside it.
VA loans with exclusive benefits for veterans
Buy with nothing down and skip mortgage insurance entirely. See Kendall VA rates.
Refinancing solutions to reduce monthly payments
Lower rates, PMI removal and cash-out for improvements.
Jumbo loans for high-value properties in top neighborhoods
For larger homes on the Pinecrest side. See Kendall jumbo rates.
A simple process
With deep insight into Kendall’s housing trends, our team makes it easy to secure the best rate and a loan that works for you.
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 rates: your questions
How do I compete in Kendall’s fast market?
Homes in Kendall typically sell in about 45 days, and the best ones go faster. Get a full pre-approval with income and assets reviewed before you tour, know your payment ceiling including taxes, insurance and dues, and consider a lender credit instead of asking for seller concessions. We can usually issue a pre-approval quickly once your documents are in.
Can I remove PMI on my Kendall home without refinancing?
Often, yes. On conventional loans, you can request PMI cancellation once your balance reaches 80% of the original value, and some servicers allow removal based on a new appraisal showing higher value, subject to their rules. FHA mortgage insurance usually requires a refinance to remove. We will compare both routes.
Do townhomes in Kendall price like houses?
Many do. Across The Hammocks and Kendall West, plenty of townhomes are platted lots you own outright, and lenders treat them like detached homes. Others, along with most villas near Dadeland, were created as condominiums, which means an association questionnaire and, below 25% down, a small pricing hit. Your title search or the listing’s legal description settles it.
Is FHA or conventional better for a Kendall first-time buyer?
It depends mostly on your credit score. At lower scores, FHA’s mortgage insurance is usually cheaper. At higher scores, conventional insurance is cheaper and can be cancelled later. The comparison on this page uses today’s live rates at the Kendall median for a 680 score, and we will run it for your numbers.
When should I lock my Kendall rate?
Usually once you have a signed contract, so the lock covers the time to closing, typically 30 to 45 days. Locking earlier is possible with a longer lock at a higher cost. Rates on this page refresh through the day from our lender panel; if they drop meaningfully after you lock, some lenders offer a one-time float-down.
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Contact On Mortgage for the Best Kendall Mortgage Rates
Whether you are buying, refinancing or investing in Kendall, On Mortgage offers expert advice and tailored loans. Contact our team today to explore the best Kendall mortgage rates and secure the financing you need.