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  1. United States
  2. Best Private Mortgage Lenders
  3. Private Mortgage Lenders in Florida
  4. Miami

Best Private Mortgage Lenders in Miami

9 in Miami · 2 nearby
Miami Private Mortgage Lenders stats: Key insights from this page’s listings Updated
Businesses listed
9 +2 nearby
Average rating
4.6 543 reviews
Typical service price
$100 – $200 Median of 3 priced services
Owner reviewed
3 of 9 Claimed or managed by the owner
Most-offered services
Mortgage ServicesReal Estate ConsultingInvestment EducationBusiness LoansCommercial Financing
What customers praise
recommend×194highly recommend×98recommended×37very professional×35
Also serving Miami
Miramar2 · 28 km
Private mortgage lendersMiami, FL

1

Bold Mortgage William A Ledesma

Verified

Specializing in a wide range of mortgage programs including FHA, VA, jumbo, and self-employed borrower loans, Bold Mortgage William A Ledesma offers options beyond traditional banks. The team is known for fast 21-day closings and clear communication throughout the process, helping both first-time buyers and investors in Miami-Dade. Customers appreciate their transparency and support, though the… more...

Specializing in a wide range of mortgage programs including FHA, VA, jumbo, and self-employed borrower loans, Bold Mortgage William A Ledesma offers options beyond traditional banks. The team is known for fast 21-day closings and clear communication throughout the process, helping both first-time buyers and investors in Miami-Dade. Customers appreciate their transparency and support, though the process can still feel detailed for those new to home financing.

Services & Prices
Home Buying Guidance $0
Market Analysis $0
Property Valuation $0
Investment Workshops $0
View Profile
(786) 387-3676
Open 7:30 AM - 7:30 PM
4960 SW 72nd Ave #400, Miami, FL 33155, USA
General Services
Real Estate Consulting
2

PS Mortgage Lending

Verified

Certified Reverse Mortgage Pro Phil Stevenson and his team at PS Mortgage Lending specialize in VA and reverse mortgages, bringing over 13 years of experience to each client. They guide borrowers through complex financing with clear communication and personalized support, though some may find their availability outside typical hours notable.

Services & Prices
Home Purchase Loans, Refinancing, Second Mortgages)
View Profile
(888) 845-6630
Closed Now
9480 SW 77th Ave #201, Miami, FL 33156, USA
General Services
Mortgage Services
3

GoKapital, Inc

Verified

GoKapital specializes in alternative funding for small businesses, offering quick access to unsecured loans, commercial mortgages, and fix-and-flip financing. Their team guides borrowers through a straightforward application process, though some clients note that loan terms should be reviewed carefully. Many appreciate their professionalism and fast funding.

Services & Prices
Standard Business Loan, Startup Business Loan, Short-term Business Loan)
Commercial Real Estate Loan, Equipment Financing, Business Acquisition Financing)
Business Line of Credit, Personal Line of Credit, Revolving Line of Credit)
View Profile
(866) 257-2973
Closed Now
2150 Coral Way #1, Miami, FL 33145, USA
General Services
Business Loans
4

Miami Mortgage Brokers

Miami Mortgage Brokers specializes in handling complex and time-sensitive mortgage cases, often closing loans faster than many competitors. Their team offers a wide range of lending options tailored to different financial situations, with clients appreciating clear communication and steady support throughout the process. Some note that underwriting can be lengthy, but the brokers stay on top of… more...

Miami Mortgage Brokers specializes in handling complex and time-sensitive mortgage cases, often closing loans faster than many competitors. Their team offers a wide range of lending options tailored to different financial situations, with clients appreciating clear communication and steady support throughout the process. Some note that underwriting can be lengthy, but the brokers stay on top of deadlines to keep things moving.

Services & Prices
First-Time Home Buyer Assistance Fee quoted per loan
Investment Property Financing Fee quoted per loan
Refinancing Fee quoted per loan
Conventional Loans Fee quoted per loan
View Profile
(954) 494-7288
Open 8:00 AM - 9:00 PM
333 SE 2nd Ave Suite #2000, Miami, FL 33131, USA
General Services
Mortgage Brokerage
5

Lending Bankers Mortgage

With over 15 years of experience and connections to more than 130 private lenders, Lending Bankers Mortgage specializes in quick, straightforward mortgage solutions across South Florida. They assist with residential, refinance, construction, and condotel loans, and clients appreciate their clear communication and attentive support throughout the process.

Services & Prices
Mortgage Refinancing Fee quoted per loan
Investment Property Financing Fee quoted per loan
View Profile
(786) 373-3077
Closed Now
848 Brickell Ave STE 1200, Miami, FL 33131, USA
General Services
Mortgage Services
Mortgage Affordability Calculator – MiamiSee how much house you can afford in Miami in 30 seconds, then get pre-approved by a top-rated local mortgage broker. Check what I can afford →
Where they are 11 on the map Click a pin for the profile and directions
6

RK Mortgage Group Inc

RK Mortgage Group specializes in guiding clients through both residential and business mortgage needs with flexible options and competitive rates. The team is praised for clear communication and making complex processes feel manageable, though some clients note occasional delays outside their control. Their hands-on approach helps keep transactions moving smoothly.

Services & Prices
Home Purchase Loans Fee quoted per loan
Refinance Loans Fee quoted per loan
Cash-Out Refinancing Fee quoted per loan
View Profile
Closed Now
2875 NE 191st St Suite 500, Aventura, FL 33180, USA
General Services
Mortgage Services
7

Tony Martinez - Mortgage Loan Officer; First American Bank

Known for clear communication and patient guidance, this team helps clients navigate home financing from pre-approval to closing. They offer a variety of mortgage options, including fixed-rate and adjustable-rate loans, and are praised for responsiveness and thorough explanations. Some clients note occasional after-hours availability.

Services & Prices
Purchase Mortgages Fee quoted per loan
Refinancing Fee quoted per loan
Pre-Approval Fee quoted per loan
View Profile
(630) 547-8906
Open 7:00 AM - 7:00 PM
540 Biltmore Way, Coral Gables, FL 33134, USA
General Services
Mortgage Services
8

Caliber Home Loans Miami

Specializing in a wide range of mortgage options including investor loans, bank statement loans for foreign nationals, and non-warrantable condo financing, Caliber Home Loans Miami brings 30 years of experience to the local market. The team handles purchase, refinance, and renovation loans with personal service and the ability to close quickly. While some customers report challenges with online… more...

Specializing in a wide range of mortgage options including investor loans, bank statement loans for foreign nationals, and non-warrantable condo financing, Caliber Home Loans Miami brings 30 years of experience to the local market. The team handles purchase, refinance, and renovation loans with personal service and the ability to close quickly. While some customers report challenges with online account access and communication delays, others appreciate the responsiveness and thorough support from certain loan consultants.

Services & Prices
Conventional Loan Fee quoted per loan
FHA Loan Fee quoted per loan
VA Loan Fee quoted per loan
Cash-Out Refinance Fee quoted per loan
View Profile
(305) 527-4741
Open 00:00 - 23:59
1688 Meridian Ave #726, Miami Beach, FL 33139, USA
General Services
Home Loans
9

HardMoney Company

HardMoney Company specializes in fast, flexible hard money loans ranging from $50K to $5M, serving clients across the Mid-Atlantic and South Florida regions. The team handles acquisitions, bridge loans, and cash-outs, with many customers appreciating their responsiveness and willingness to meet quickly, though some have noted a tough approach.

View Profile
(502) 262-2067
Open 8:00 AM - 8:00 PM
18205 Biscayne Blvd #2226, Aventura, FL 33160, USA
10

Elite Lending LLC

Serves Miami, FL

Elite Lending LLC is known for making the mortgage process clear and efficient, often helping clients close ahead of schedule. Their team assists with home loans and lending needs, providing thorough explanations and prompt communication. Customers appreciate their attentiveness and smooth handling, though a few mention occasional delays due to holidays.

Services & Prices
Home Loan Quoted per loan
Refinancing Quoted per loan
Personal Loan Quoted per loan
Fixed-Rate Mortgage Quoted per loan
View Profile
(786) 703-1989
Open 9:00 AM - 6:00 PM
2750 SW 145th Ave Unit 403, Miramar, FL 33027
General Services
Lending Services

Latest reviews of Miami Private Mortgage Lenders

Written on TrustAnalytica by clients of the businesses in this list
  • Mia Y.

    My experience was rather pleasant. I was assigned to KC he's such a cutie. Very straight forward process. Sent the application with the requested documents 2 1/2 days later the money was cleared into my account. I strongly recommend GoKapital

11

Dream House Mortgage

Serves Miami, FL

With over 27 years of experience and access to more than 50 lenders, Dream House Mortgage offers personalized financing solutions for buyers, investors, and those refinancing. Their services include a variety of loan programs and bilingual support in English, Spanish, and Chinese. Customers appreciate their clear communication and fast, responsive service throughout the mortgage process.

Services & Prices
Home Purchase Mortgage Quoted per loan
Refinancing Assistance Quoted per loan
FHA Loans Quoted per loan
View Profile
(305) 330-4970
Open 9:00 AM - 5:30 PM
2501 SW 160th Ave #300, Miramar, FL 33027
General Services
Mortgage Services

Miami Mortgage Statistics

Home-purchase lending in Miami-Dade County and home costs in Miami, FL (latest HMDA and Census data)

Lenders made 17,929 home-purchase loans in Miami-Dade County in 2025 (average about $673,000) and denied 5,025 — 22% of decided applications, compared with 17% across Florida, according to federal mortgage data (HMDA, CFPB). In Miami, the median home is worth $518,100 and 57% of owners have a mortgage, paying a median $2,863 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
17,929▼ 8%19,558 in 2024
Denial rate
22%FL 17%
Median home value
$518,100FL $359,000
Monthly cost with a mortgage
$2,863median · FL $1,959
Refinance loans made (Miami-Dade County, 2025)
10,481 · 8,497 in 2024
Home-improvement loans made (2025)
2,821
Average home-purchase loan
$673,000 (FL $416,000)
Owners with a mortgage
57% · 46% of them spend 30%+ of income on housing
Median household income
$62,462 (FL $74,568)

Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Miami-Dade County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.

Miami Private Mortgage Lenders stats: 11 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Bold Mortgage William A Ledesma 5.0 83 — (786) 387-3676 Visit
2 PS Mortgage Lending 5.0 87 — (888) 845-6630 Visit
3 GoKapital, Inc 4.2 47 — (866) 257-2973 Visit
4 Miami Mortgage Brokers 5.0 103 Fee quoted per loan (954) 494-7288 Visit
5 Lending Bankers Mortgage 5.0 100 Fee quoted per loan (786) 373-3077 Visit
6 RK Mortgage Group Inc 5.0 100 Fee quoted per loan — Visit
7 Tony Martinez - Mortgage Loan Officer; First American Bank 4.5 8 Fee quoted per loan (630) 547-8906 Visit
8 Caliber Home Loans Miami 3.5 8 Fee quoted per loan (305) 527-4741 Visit
9 HardMoney Company 4.0 7 — (502) 262-2067 Visit
10 Elite Lending LLC 5.0 300 Quoted per loan (786) 703-1989 Visit
11 Dream House Mortgage 4.7 35 Quoted per loan (305) 330-4970 Visit

Frequently asked questions

8 questions
How do I choose the best private mortgage lender in Miami?
Consider verified reviews, ratings, and business profiles. TrustAnalytica ranks lenders using customer reviews, review volume, and profile claims for transparency.
What services do private mortgage lenders offer?
Private mortgage lenders provide home loans, refinancing, and investment property loans, often with more flexible terms than traditional banks.
Are free consultations common with private mortgage lenders in Miami?
Yes, many private mortgage lenders offer free consultations to discuss loan options and terms before committing.
What questions should I ask a private mortgage lender before hiring?
Ask about interest rates, loan terms, fees, and the lender's experience with similar loans. Inquire about prepayment penalties and approval timelines.
Do I need a private mortgage lender in Miami?
If you have unique financial circumstances or need faster loan processing, a private mortgage lender might be beneficial.
How long does the private mortgage lending process take in Florida?
The process typically takes 2 to 4 weeks, depending on the lender's efficiency and your preparedness with documentation.
How do fees work with private mortgage lenders?
Fees can include origination fees, application fees, and closing costs. These vary by lender and loan type, so compare offers carefully.
What is the role of a private mortgage lender?
They provide alternative financing options for homebuyers, often with more flexible criteria than traditional banks.

General information, not financial advice — consult a qualified professional.

Our Methodology

Best 10 private mortgage lenders list assembly and recognition by TrustAnalytica for Miami is based on online reputation backed by review sources as google reviews, TrustAnalytica reviews and more.

We choose the best companies in the location and rank them based on rating, quantity of reviews and verification (Claimed or unclaimed profile).

Rankings are frequently updated to reflect the latest reviews from trusted sources.

Profile verification is free and may improve ranking, as we prioritize accurate, up-to-date profiles that are actively maintained and regularly reviewed.

TrustAnalytica's procedure for listing private mortgage lenders companies involves manual research, review and placement. Please note that some companies are placed here through their registration with our services as every company gets not only access to our Saas services but also a profile that gets listed. We evaluate businesses based on their online reputation, accessibility, online resources such as website and their fit for best 10 private mortgage lenders category.

The Process

1

Business Verification

Verified private mortgage lenders listings in Miami are based on robust online activity and Google reviews, ensuring credibility.

2

Business Details

Comprehensive private mortgage lenders profiles offer vital details for informed decisions in Miami.

3

Reviews And Ratings

Real-time customer ratings guide our private mortgage lenders rankings in Miami, reflecting genuine reputation.

4

SEO And Keywords

Our SEO strategy elevates the visibility of top private mortgage lenders providers in Miami.

5

AI Search Visibility

Every private mortgage lenders listing in Miami is published with structured data that AI search tools like ChatGPT, Perplexity and Google AI Overviews can read and cite.