Best Mortgages & Home Loans in Miami, FL

Compare 13 mortgages & home loans companies serving Miami, Florida. Average rating: 4.4/5.

13 Companies 13 Rated Payday: Legal

Florida Lending Regulations

Florida allows payday lending with notable consumer protections including a statewide database preventing multiple simultaneous loans, a $500 cap, and a 24-hour cooling-off period. The Office of Financial Regulation oversees all consumer lenders. Consumers can file complaints online through the OFR or the Attorney General.

Usury cap: 18% for loans under $500,000; 25% criminal usury threshold; payday loans regulated separately Agency: Florida Attorney General Consumer Protection Division

Top-Rated Mortgages & Home Loans

Capital Aid Funding logo

Capital Aid Funding

Miami-based mortgage broker offering home purchase, refinance, and commercial loans with NMLS licensing and bilingual expertise.

4.4/5
Contact BBB: NR

Best for: South Florida homebuyers and refinancers seeking bilingual mortgage guidance, First-time buyers wanting simplified, fast pre-qualification without extensive paperwork

CFN Mortgage Capital logo

CFN Mortgage Capital

Unable to verify: CFN Mortgage Capital's website returns a 403 Forbidden error, preventing access to company information, services, or operational details.

4.4/5
Contact BBB: NR

Best for: Consumers in Miami, Florida looking for personal lending services, People who prefer working with a local personal lending provider

DC Lending logo

DC Lending

DC Lending is a Florida-based mortgage lender founded by David Cruz, offering residential and commercial mortgage solutions with AI-enhanced processing and fast closings.

4.4/5
Contact BBB: NR

Best for: Florida homebuyers seeking personalized mortgage guidance and fast approval timelines, Residential and commercial property investors in Florida looking for experienced mortgage guidance

Fellowship Home Loans logo

Fellowship Home Loans

Fellowship Home Loans is a mortgage lender offering FHA, VA, USDA, and conventional loans with a Miami, FL branch serving homebuyers and refinance clients.

4.4/5
Contact BBB: NR

Best for: First-time homebuyers seeking personalized guidance through the mortgage process with educational support, Self-employed professionals and clergy seeking specialized income documentation expertise

Hera Lending logo

Hera Lending

Private lender specializing in real estate investment loans including DSCR, fix-and-flip, bridge, and construction financing. Headquartered in Miami with $1.5B+ in funded loans nationwide.

4.4/5
Contact BBB: NR

Best for: Real estate investors with portfolios of 1-4 unit rental or fix-and-flip properties, Developers and builders needing construction financing for ground-up residential projects

Independence Home Loans logo

Independence Home Loans

Independence Home Loans LLC is a mortgage lender offering home purchase, refinance, and VA loan services with a focus on personalized client communication and educational support.

4.4/5
Contact BBB: NR

Best for: Veterans and active military service members seeking VA loans or purchase assistance, First-time homebuyers requiring educational guidance and personalized support

All Mortgages & Home Loans in Miami (13)

Capital Aid Funding logo

Capital Aid Funding

Miami-based mortgage broker offering home purchase, refinance, and commercial loans with NMLS licensing and bilingual expertise.

4.4/5
Contact BBB: NR

Best for: South Florida homebuyers and refinancers seeking bilingual mortgage guidance, First-time buyers wanting simplified, fast pre-qualification without extensive paperwork

CFN Mortgage Capital logo

CFN Mortgage Capital

Unable to verify: CFN Mortgage Capital's website returns a 403 Forbidden error, preventing access to company information, services, or operational details.

4.4/5
Contact BBB: NR

Best for: Consumers in Miami, Florida looking for personal lending services, People who prefer working with a local personal lending provider

DC Lending logo

DC Lending

DC Lending is a Florida-based mortgage lender founded by David Cruz, offering residential and commercial mortgage solutions with AI-enhanced processing and fast closings.

4.4/5
Contact BBB: NR

Best for: Florida homebuyers seeking personalized mortgage guidance and fast approval timelines, Residential and commercial property investors in Florida looking for experienced mortgage guidance

Fellowship Home Loans logo

Fellowship Home Loans

Fellowship Home Loans is a mortgage lender offering FHA, VA, USDA, and conventional loans with a Miami, FL branch serving homebuyers and refinance clients.

4.4/5
Contact BBB: NR

Best for: First-time homebuyers seeking personalized guidance through the mortgage process with educational support, Self-employed professionals and clergy seeking specialized income documentation expertise

Hera Lending logo

Hera Lending

Private lender specializing in real estate investment loans including DSCR, fix-and-flip, bridge, and construction financing. Headquartered in Miami with $1.5B+ in funded loans nationwide.

4.4/5
Contact BBB: NR

Best for: Real estate investors with portfolios of 1-4 unit rental or fix-and-flip properties, Developers and builders needing construction financing for ground-up residential projects

Independence Home Loans logo

Independence Home Loans

Independence Home Loans LLC is a mortgage lender offering home purchase, refinance, and VA loan services with a focus on personalized client communication and educational support.

4.4/5
Contact BBB: NR

Best for: Veterans and active military service members seeking VA loans or purchase assistance, First-time homebuyers requiring educational guidance and personalized support

Lending Bankers Mortgage logo

Lending Bankers Mortgage

Miami-based mortgage broker offering residential, commercial, and hard money loans to US residents and foreign nationals throughout Florida.

4.4/5
Contact BBB: NR

Best for: Foreign nationals seeking to purchase residential or commercial property in Florida, Buyers pursuing new construction or pre-construction condo purchases who need specialized financing

Lennar Mortgage, LLC SE Florida logo

Lennar Mortgage, LLC SE Florida

Lennar Mortgage is the affiliated lender for Lennar Family of Builders, specializing in streamlined financing for new construction homes with 50+ years of experience and 1,600+ associates nationwide.

4.4/5
Contact BBB: NR

Best for: Buyers actively purchasing new Lennar-constructed homes seeking integrated builder-lender financing, First-time homebuyers seeking dedicated loan officer guidance and down payment assistance programs

Miami Lending Advisors - Mortgage Broker logo

Miami Lending Advisors - Mortgage Broker

Miami-based boutique mortgage broker offering residential and commercial financing to domestic and international clients, with 30+ years combined experience and expertise in South Florida real estate.

4.4/5
Contact BBB: NR

Best for: International buyers seeking real estate financing in South Florida without U.S. credit history, Real estate investors seeking specialized programs for fix-and-flip, DSCR, or short-term rental properties

Mister Loans logo

Mister Loans

Mister Loans is a mortgage brokerage offering home purchase, refinance, and foreign national lending services with a team of financial and real estate specialists.

4.4/5
Contact BBB: NR

Best for: Home buyers seeking mortgage refinance options, Foreign nationals looking to purchase property in the primary market

Swift Loan logo

Swift Loan

Swift Loan is a fintech-enabled mortgage lender offering home purchase and refinance loans through a streamlined digital platform with competitive rates and fast closings.

4.4/5
Contact BBB: NR

Best for: First-time homebuyers seeking a streamlined digital experience and personalized guidance, Homeowners exploring refinances who want instant rate quotes and savings analysis without credit inquiries

The Mortgage Calculator logo

The Mortgage Calculator

Licensed mortgage lender offering 20+ loan programs including conventional, FHA, VA, USDA, non-QM, DSCR, and hard money mortgages with instant online rate calculators and pre-approvals.

4.4/5
Contact BBB: NR

Best for: Self-employed and gig workers seeking non-QM or bank statement loan options with flexible documentation, Real estate investors looking for DSCR, fix-and-flip, or bridge financing across multiple property types

PREMIER HOME LOANS MIAMI – LOWEST FHA VA and CONVENTIONAL RATES logo

PREMIER HOME LOANS MIAMI – LOWEST FHA VA and CONVENTIONAL RATES

South Florida mortgage lender offering FHA, VA, and conventional loans with 25+ years of combined industry experience. Emphasizes fast closing and straightforward process.

4.3/5
Contact BBB: NR

Best for: First-time homebuyers in South Florida seeking education-focused lending guidance and straightforward process explanation, Borrowers seeking to work with a lender connected to real estate professionals and agents for referral-based service