Wholesale mortgage broker, Miami-Dade County
Miami Mortgage Broker
One application, a panel of wholesale lenders competing for it, and a Miami loan consultant who knows which of them will actually close a Brickell condo, a Coral Gables jumbo or a first-time FHA purchase in Hialeah.
Miami's Mortgage Broker Offering the Lowest Rates
We specialize in Miami residential mortgages.
At OnMortgage, we find a loan that fits each Miami borrower rather than fitting the borrower to the one loan a bank happens to sell. Big banks staff their mortgage desks with order takers whose job is to move an application into a single in-house program. We work differently: our highly skilled loan consultants know what it takes to get a file through underwriting quickly, and they know it lender by lender.
That matters because a bank has a limited menu and its programs are one size fits all. A wholesale broker has relationships with many lenders, each with its own pricing, its own appetite for condos and self-employed income, and its own turn times. When your scenario comes in, we price it across that panel and bring you the lender whose rate and terms are best for your situation, not the one with a branch on the corner. You can view the lowest Miami mortgage rates available today on our live rates page, priced for Miami-Dade County.
Interested in low down payment options? Explore FHA loans in Miami to see how government-backed financing can make homeownership more accessible, or look at VA loans if you have served.
What our lenders are pricing in Miami-Dade today
No points, no credit
0.250 points
$64 lender credit
0.292 points
0.410 points
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 Miami scenario, no credit pull.
On Mortgage: Your Trusted Miami Mortgage Broker
On Mortgage specializes in tailored mortgage solutions for homebuyers, investors and property owners throughout Miami. As a leading Miami mortgage broker, we help clients work through the parts of this market that trip up a standard application: condo approvals, insurance-driven payments, foreign income, and price points that cross the conforming limit. Whether you are purchasing your first home, refinancing an existing property or looking to invest, we bring the expertise and local knowledge to secure the best mortgage options for your needs.
| A retail bank | On Mortgage, as your broker | |
|---|---|---|
| Who prices your loan | One lender, its own rate sheet | A panel of wholesale lenders, compared on the same day |
| Programs on the menu | The bank's in-house products | Conventional, FHA, VA, jumbo, DSCR, bank statement and more |
| Miami condos | Often declined if the building is non-warrantable | Placed with lenders that finance non-warrantable buildings |
| Who you talk to | A call center or a rotating order taker | One Miami loan consultant from application to closing |
| If the first lender says no | Start over somewhere else | We move the file to the next lender that fits |
Miami Real Estate Market Insights
As of mid-2026, the median sale price in Miami is around $595,000, and homes typically take about 87 days to sell. That pace gives buyers more room than the frantic years did: time to compare loan programs, negotiate seller credits toward closing costs, and lock a rate on their own schedule instead of under pressure. As your local Miami mortgage broker, On Mortgage matches you with financing built around today’s market rather than last year’s.
The median hides a wide spread. A starter condo in Little Havana, a townhome in Kendall and a waterfront house on the Venetian Islands are all “Miami,” and each one sends the loan to a different part of the rate sheet. Property type, the building’s reserves, flood zone and insurance cost move the full monthly payment as much as the interest rate does. That is why we price the whole payment, not just the rate, before you make an offer.
What insurance and taxes add to a Miami mortgage
In Miami-Dade the escrow side of the payment can rival the interest. Homeowners premiums here are among the highest in Florida because of hurricane exposure, and a buyer who budgets from a national rule of thumb is usually short by hundreds a month. These are the county figures we build into every Miami estimate, shown on a home at the city’s median sale price. Condo owners carry a smaller HO-6 policy because the association insures the structure, but they pay for the building’s master policy through their dues instead.
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.
Investment Property Financing in Miami
Miami is not only a desirable place to live but also a strong market for investors. The city’s population growth, strong job market and international appeal make it an ideal place for real estate investment. At On Mortgage, we help investors secure financing for rental properties, vacation homes and small multifamily buildings, with options that qualify on the property’s rent instead of your tax returns.
Miami’s rental market continues to rise, particularly in fast-growing areas like Dania Beach and Miami Gardens, which makes this a good time to explore investment opportunities with a trusted Miami mortgage broker by your side. For buyers who hold properties in an LLC or have several financed already, our Miami DSCR loans skip personal income documentation entirely, and bank statement loans work for owners whose returns understate what they earn.
Miami Housing Market Forecast for 2026 and Beyond
Recent predictions call for Miami home prices to keep climbing, with forecasts of about 2.5% growth over the coming year. Inventory in the most sought-after neighborhoods remains tight relative to demand, and well-priced homes there still draw competition, even as the broader market takes longer to sell than it did in 2022.
For a buyer, modest appreciation plus a slower market is a workable combination: there is time to shop financing properly, and a home bought today is expected to hold its value. For an owner, rising equity opens the door to a cash-out refinance or to buying a second property. As your Miami mortgage broker, On Mortgage helps you navigate both sides and find the home loan that fits your financial situation.
Why Choose On Mortgage as Your Miami Mortgage Broker?
Choosing the right mortgage broker is essential in a market as varied as Miami’s. At OnMortgage, we offer a wide range of mortgage services, including:
- Conventional mortgages, fixed and adjustable, for primary homes, second homes and investment property
- FHA loans with 3.5% down for buyers with flexible credit
- VA loans with no down payment for eligible veterans and service members
- Jumbo loans for luxury properties in Coral Gables, Coconut Grove, Key Biscayne and Miami Beach
- Refinancing solutions, rate and term or cash-out
Our team of experienced brokers understands the unique challenges of the Miami market and works tirelessly to find you the best mortgage terms, whether you are a first-time buyer or a seasoned investor. Our team includes Spanish-speaking loan officers, which matters to a large share of our Miami clients.
How a Miami loan moves with us
- Price it firstRun your scenario on the rate finder or call us. No credit pull to see real pricing.
- Short applicationWe gather income, assets and the property details, including the condo questionnaire if you are buying in a building.
- We match the lenderYour file goes to the lender on our panel that prices best and will approve your property type.
- Underwriting and appraisalYour consultant handles conditions directly with the lender, so you are not chasing a call center.
- Clear to closeWe coordinate with your agent and title company and walk you through the Closing Disclosure.
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...”
Working with a Miami mortgage broker: common questions
What does a mortgage broker do in Miami?
A mortgage broker takes one application and shops it across many wholesale lenders, then manages the loan through underwriting and closing. In Miami that matters more than most places, because condo approvals, insurance costs and jumbo price points narrow which lenders will say yes. We find the lender that fits your property and price, rather than offering a single bank’s products.
Is a mortgage broker cheaper than a bank?
Often, yes. Lenders give brokers wholesale pricing, and comparing several lenders on the same day usually turns up a lower rate or lower costs than one bank’s retail sheet. Every option we show you includes the lender credit or points, so you can compare the full cost, not just the rate.
Can you finance a non-warrantable condo in Miami?
Yes. Many Miami buildings are non-warrantable because of reserves, pending assessments, rental concentration or litigation. We review the condo questionnaire early and place those loans with portfolio lenders that finance them. The rate is usually higher than on a warrantable unit, but the purchase can still close.
Do you work with self-employed and foreign national buyers?
We do. Self-employed borrowers can qualify on bank statements instead of tax returns, and we have lenders that finance foreign nationals and buyers with foreign income, which is common in Miami. Down payment and reserve requirements are higher on those programs, and we show them side by side with conventional options.
How long does it take to close a mortgage in Miami?
Most purchase loans close in about 30 days once you are under contract. Condos can take longer if the association is slow to return its questionnaire, which is why we request it as soon as you have an accepted offer. Refinances usually run 21 to 30 days.
Does checking rates with a broker hurt my credit?
No. Pricing on our Miami rates page needs no credit check at all. When you apply, a single credit pull covers every lender we shop, and the credit bureaus treat mortgage inquiries within a short window as one inquiry.
More for Miami borrowers
Nearby in Miami-Dade
Contact OnMortgage: Miami’s Leading Mortgage Broker
Ready to take the next step in purchasing or refinancing a property in Miami? Contact OnMortgage to speak with one of our mortgage brokers. We offer personalized consultations and a commitment to finding the right mortgage for your situation, so you can reach your real estate goals in Miami’s housing market.