Miami Home Loans – Fast Approvals & Low Rates for Your Dream Home!

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Money Street Mortgage: Miami’s #1 Choice for Home Financing

As Miami’s most trusted mortgage lender, we understand the unique challenges of buying property in our vibrant city. From the luxury high-rises of Brickell to the family-friendly neighborhoods of Kendall, our team of Miami natives will help you secure the perfect home loan with competitive rates and personalized service.

Why Miami Homebuyers Trust Money Street Mortgage

True Local Expertise

  • Born and raised in Miami lenders who know every neighborhood

  • Specialized knowledge of condo financing (including hard-to-place buildings)

  • Understanding of Miami-Dade’s unique flood insurance requirements

Lightning-Fast Approvals for Miami’s Competitive Market

  • Pre-approval letters issued same-day

  • Average closing in 21 days (even faster for cash buyers)

  • Digital application with DocuSign for convenience

Best Rates in South Florida

  • We beat big bank rates by an average of 0.25%

  • Special programs for Miami professionals (doctors, lawyers, entertainers)

  • No hidden fees – we explain all costs upfront

Complete Mortgage Solutions

  • Conventional, FHA, VA, and Jumbo loans

  • Specialized condo financing

  • Non-traditional credit programs perfect for Miami’s diverse workforce

Miami-Specific Loan Programs

Condo Financing Solutions

We specialize in financing Miami’s condo market with:

  • Approval for “non-warrantable” condos (new constructions, investor-heavy buildings)

  • Portfolio loans for luxury waterfront properties

  • Special programs for foreign buyers

First-Time Homebuyer Programs

  • Miami-Dade County down payment assistance

  • Florida HFA loans with below-market rates

  • Special credit counseling for our diverse community

Luxury Home Financing

  • Jumbo loans up to $5 million

  • Interest-only options for high-net-worth buyers

  • Private banking relationships for exceptional service

Investment Property Loans

  • Short-term financing for fix-and-flip investors

  • DSCR loans for rental properties

  • Portfolio loans for experienced investors

Today’s Miami Mortgage Rates

Primary Residence Loans

  • 30-Year Fixed: 6.125% (APR 6.25%)

  • FHA 30-Year: 5.875% (APR 6.05%)

  • VA 30-Year: 5.625% (APR 5.80%)

Condo & Investment Loans

  • Condo 30-Year: 6.375% (APR 6.50%)

  • DSCR Rental: 7.25% (APR 7.50%)

  • Fix-and-Flip: 8.00% (APR 8.25%)

*Lock in your rate for 90 days – perfect for Miami’s competitive market!*

The Miami Homebuyer’s Advantage

  1. Neighborhood Expertise

    • Know which buildings have special assessments

    • Understand flood zone implications

    • School district guidance

  2. Condo Approval Specialists

    • We know which lenders approve which buildings

    • Help navigating association requirements

    • Solutions for new construction purchases

  3. Cultural Competency

    • Bilingual English/Spanish team

    • Experience working with international buyers

    • Understanding of multi-generational household financing

What Miami Clients Say

“Money Street got my pre-approval letter in 4 hours – I was able to make an offer that same day on my Brickell condo!” – Alejandro R.

“As a Canadian buyer, I appreciated their expertise with international transactions. They made what seemed impossible actually happen.” – Sophie L., Toronto

“Finally a mortgage company that understands Miami’s unique market challenges. They helped me navigate special assessments and condo docs like pros.” – Carlos M., Coconut Grove

Start Your Miami Home Loan Today

Online Application
Complete our Miami-specific application in under 10 minutes

Call Our  Office
727-545-5626 – Speak directly with a local loan officer

Miami-Specific FAQs

What’s different about getting a mortgage in Miami?

  • Condo financing has unique requirements

  • Flood insurance is often mandatory

  • Many buildings have rental restrictions

  • Special assessments are common

How do I qualify as a self-employed Miamian?
We specialize in:

  • Bank statement programs

  • 1099 income verification

  • Asset depletion loans

What about foreign buyers?
We offer:

  • ITIN loans

  • International credit reports

  • Foreign national programs

Your Miami Mortgage Experts

At Money Street Mortgage, we’re not just lenders – we’re your neighbors. We combine deep local knowledge with cutting-edge technology to give you:

  • The most competitive Miami-specific rates

  • Lightning-fast approvals

  • White-glove service from application to closing

  • Ongoing support even after you move in

Don’t let Miami’s competitive market leave you behind – get pre-approved today!