Miami Mortgage Broker
Miami, Florida Mortgage Rates & Broker Services
Buying or refinancing in We compare rates from 20+ wholesale lenders to find your lowest rate. Local FL expertise, Miami-Dade County knowledge, pre-approval in 24 hours.
$832,7502026 conforming limit (Baseline)
FL licensedNMLS #2134550
24 hrsPre-approval turnaround
20+ lendersShopped for your file
Miami Mortgage Quick Facts
Miami-Dade County uses the standard baseline conforming amount. Here's the snapshot of the Miami, FL mortgage market.
$832,750
2026 Conforming Limit
(Baseline)
(Baseline)
$580K
Median Home Price
(Miami Metro)
(Miami Metro)
455K
Population
(Miami)
(Miami)
9 states
Where OnPoint is Licensed
(incl. Florida)
(incl. Florida)
Why Use a Mortgage Broker in Miami
Miami is Florida's most international mortgage market. Strong foreign-national Non-QM lending, condo + condotel complexity, and high-end jumbo above the $832,750 conforming. ITIN borrowers are routinely served here.
Local FL Knowledge
Miami-Dade County conforming limits, Florida-specific programs (DPA, USDA where applicable), and lender preferences for local property types.
20+ Wholesale Lenders
We shop your specific file across 20+ wholesale lenders to find the lowest rate that actually closes — not a teaser quote.
24-Hour Pre-Approval
Real pre-approval letter in 24 hours so you can submit competitive offers in the Miami market without delay.
Loan Programs Available in Miami
Every loan type used in the Miami, FL market — we match your file to the lender and program with the best pricing for your scenario.
Conventional
Standard Fannie/Freddie loans for buyers with 3-20% down and 620+ FICO.
Learn more →Jumbo
Loans above the conforming limit, priced separately by wholesale lenders.
Learn more →Non-QM
Bank Statement, DSCR, ITIN, and other alternative-doc programs.
Learn more →HELOC
Tap your home equity without touching your first mortgage rate.
Learn more →Foreign Nat'l
Mortgages for non-US citizens with ITIN or foreign income.
Learn more →
Free · 24-Hour Turnaround
Get Your Miami Mortgage Quote
A licensed Florida loan specialist will call within 24 hours with rate pricing matched to your file. No credit pull on the first call.
Got it. We’ll be in touch within 24 hours.
A Florida loan specialist will call you with pricing matched to your file.
☎ (877) 870-0007The Miami Pre-Approval Process
Three steps to pre-approved and offer-ready.
1
Quote Request
Free analysis. No credit pull on the first call. We confirm your Miami scenario and target rate.
2
Pre-Approval
24-hour turnaround with a real pre-approval letter you can submit with offers in the Miami market.
3
Close in 21-30 Days
Standard close timing for most Miami purchase loans. Refi typically 21-35 days.
Miami Mortgage FAQ
What's the 2026 conforming loan limit in
Miami is in Miami-Dade County, which falls under the Baseline conforming tier at $832,750. Loans above that amount are jumbo and priced separately by wholesale lenders.
Is OnPoint Mortgage Pro licensed in
Yes. OnPoint Mortgage Pro is licensed in 9 states including Florida. Our NMLS ID is #2134550. We close loans in Miami and across the entire state.
How fast can I close a mortgage in
Purchase loans in Miami typically close in 21-30 days. Refinances (especially FHA Streamline and VA IRRRL) close in 14-21 days. We coordinate with Miami-area title companies and appraisers to keep timelines tight.
Do you offer VA loans in
Yes. We close VA loans across Florida for active-duty service members, veterans, and surviving spouses. See our VA loan guide for current rates, eligibility, and the IRRRL streamline refinance program.
What's the minimum down payment for a Miami mortgage?
VA: 0% down for eligible veterans. FHA: 3.5% with 580+ FICO. Conventional: 3% for first-time buyers, 5% standard. Non-QM and DSCR programs vary. We model all options at quote time for your Miami scenario.
Get Your Miami Mortgage Quote in 24 Hours
Free analysis from a licensed Florida mortgage specialist. No credit pull on the first call. Rate comparison from 20+ wholesale lenders.
☎ (877) 870-0007Mon-Fri 8am-7pm PT · Sat 9am-3pm PT · Licensed in 9 states · NMLS #2134550
Terms & Conditions: Miami mortgage rates and program availability shown are illustrative. Actual rate depends on credit profile, debt-to-income, property type, occupancy, loan amount, and current market conditions at lock time. Miami is in Miami-Dade County, Florida, with a 2026 conforming loan limit of $832,750 (Baseline). Loans above that are jumbo and priced separately. Subject to credit and program approval. OnPoint Mortgage Pro is a licensed mortgage broker; NMLS #2134550. Equal Housing Lender.