×

Review Keywords Analysis

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

Best Private Mortgage Lenders In Miami

Miami Private Mortgage Lenders stats: Key insights from this page’s listings Updated
Businesses listed
9
Average rating
4.6 542 reviews
Typical service price
$313 – $550 Median of 28 priced services
Owner reviewed
3 of 9 Claimed or managed by the owner
Most-offered services
Mortgage ServicesLoan ConsultationConsultation ServicesCustomer SupportReal Estate Consulting
What customers praise
recommend×170highly recommend×88recommended×35very professional×32
Private mortgage lendersMiami, FL

1

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 $2000 - $5000
Refinancing $1500 - $3000
Second Mortgages $2000 - $4000
Personalized Financial Advice $100 - $300
View Profile
(888) 845-6630
Closed Now
9480 SW 77th Ave #201, Miami, FL 33156, USA
General Services
Mortgage Services
2

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 $50 - $150
Market Analysis $100 - $200
Property Valuation $150 - $300
Investment Workshops $30 - $100
View Profile
(786) 387-3676
Closed Now
4960 SW 72nd Ave #400, Miami, FL 33155, USA
General Services
Real Estate Consulting
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 $10000 - $50000
Startup Business Loan $5000 - $25000
Short-term Business Loan $1000 - $25000
Unsecured Working Capital Loan $5000 - $30000
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 $2000 - $3000
Investment Property Financing $2500 - $3500
Refinancing $1500 - $2500
Conventional Loans $3000 - $4000
View Profile
(954) 494-7288
Closed Now
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 Application Assistance $100 - $200
Mortgage Refinancing $150 - $300
Investment Property Financing $200 - $400
Investment Strategy Development $75 - $150
View Profile
(786) 373-3077
Closed Now
848 Brickell Ave STE 1200, Miami, FL 33131, USA
General Services
Mortgage Services
Where they are 9 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 $2000 - $3000
Refinance Loans $1500 - $2500
Cash-Out Refinancing $2500 - $3500
Initial Loan Consultation $100 - $200
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
Initial Consultation $50 - $100
Application Processing $400 - $700
Ongoing Support $30 - $60
Initial Assessment $100 - $150
View Profile
(630) 547-8906
Closed Now
540 Biltmore Way, Coral Gables, FL 33134, USA
General Services
Home Equity Line of Credit
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 $3000 - $5000
FHA Loan $3000 - $5000
VA Loan $3000 - $5000
Cash-Out Refinance $2500 - $4500
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
Closed Now
18205 Biscayne Blvd #2226, Aventura, FL 33160, USA

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

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: 9 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 PS Mortgage Lending 5.0 87 $50 (888) 845-6630 Visit
2 Bold Mortgage William A Ledesma 5.0 82 $30 (786) 387-3676 Visit
3 GoKapital, Inc 4.2 47 $50 (866) 257-2973 Visit
4 Miami Mortgage Brokers 5.0 103 $100 (954) 494-7288 Visit
5 Lending Bankers Mortgage 5.0 100 $25 (786) 373-3077 Visit
6 RK Mortgage Group Inc 5.0 100 $100 — Visit
7 Tony Martinez - Mortgage Loan Officer; First American Bank 4.5 8 $30 (630) 547-8906 Visit
8 Caliber Home Loans Miami 3.5 8 $500 (305) 527-4741 Visit
9 HardMoney Company 4.0 7 — — 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.