Hialeah Mortgage Broker
Hialeah, 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
Hialeah Mortgage Quick Facts
Miami-Dade County uses the standard baseline conforming amount. Here's the snapshot of the Hialeah, FL mortgage market.
$832,750
2026 Conforming Limit
(Baseline)
(Baseline)
$465K
Median Home Price
(Hialeah Metro)
(Hialeah Metro)
225K
Population
(Hialeah)
(Hialeah)
9 states
Where OnPoint is Licensed
(incl. Florida)
(incl. Florida)
Why Use a Mortgage Broker in Hialeah
Hialeah, just inland from Miami, is one of Florida's most active ITIN and foreign-national mortgage markets. Strong Spanish-speaking borrower base, family-funded down payments, and bank-statement self-employed loans dominate.
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 Hialeah market without delay.
Loan Programs Available in Hialeah
Every loan type used in the Hialeah, 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 →FHA
3.5% down with 580+ FICO. Strong choice for first-time buyers.
Learn more →Non-QM
Bank Statement, DSCR, ITIN, and other alternative-doc programs.
Learn more →Foreign Nat'l
Mortgages for non-US citizens with ITIN or foreign income.
Learn more →
Free · 24-Hour Turnaround
Get Your Hialeah 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 Hialeah 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 Hialeah scenario and target rate.
2
Pre-Approval
24-hour turnaround with a real pre-approval letter you can submit with offers in the Hialeah market.
3
Close in 21-30 Days
Standard close timing for most Hialeah purchase loans. Refi typically 21-35 days.
Hialeah Mortgage FAQ
What's the 2026 conforming loan limit in
Hialeah 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 Hialeah and across the entire state.
How fast can I close a mortgage in
Purchase loans in Hialeah typically close in 21-30 days. Refinances (especially FHA Streamline and VA IRRRL) close in 14-21 days. We coordinate with Hialeah-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 Hialeah 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 Hialeah scenario.
Get Your Hialeah 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: Hialeah 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. Hialeah 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.