How much house can you afford in Miami? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
Updated · current rates and lending limits
Add your partner's income if you're buying together.
Car loans, credit cards, lines of credit, student loans. Not rent.
Enter your yearly household income.
Savings and gifts from family count. Many first-time buyer loans need just 3% down; under 20% you pay mortgage insurance.
7.40% (Freddie Mac 30-year average, October 2026). Change it if you've been quoted a rate.
Enter your down payment.
| After | Paid in total | Still owed |
|---|
Bennett Capital Partners Mortgage BrokersPremium
5.0 · 115 reviews · Free pre-approval
Get pre-approved →
Bold Mortgage William A LedesmaPremium
5.0 · 83 reviews · Free pre-approval
Get pre-approved →
Miami Mortgage Brokers
5.0 · 103 reviews · Free pre-approval
Get pre-approved →
An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
Bennett Capital Partners specializes in a wide range of mortgage solutions, including FHA, VA, jumbo, and non-QM loans, tailored for both residential and commercial clients. Their team is known for guiding borrowers through complex financing with clear communication, though some clients have noted occasional issues with professionalism.
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.
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.
With over 20 years of experience, Miami Mortgage Advisors specializes in Conventional, FHA, VA, USDA, Non-agency, and private lending programs. The team offers fully online service and works with both national and private lenders to find competitive options. Customers appreciate their responsiveness and clear communication throughout the mortgage process.
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.
Operating as a full-service mortgage lender since 1981, Lennar Mortgage offers a range of loan options for home purchases and refinancing. Customers appreciate the team’s clear communication, responsiveness, and guidance throughout the process. While the experience is generally smooth and professional, some note that timely follow-up is key to staying informed.
Specializing in complex condominium lending and financing for high-net-worth domestic and international clients, this team brings deep expertise in navigating intricate income and asset structures. They handle loans with professionalism and clear communication, often praised for their thoroughness and ability to close deals on time. Some clients note the process can be detailed, reflecting the… more...
Specializing in complex condominium lending and financing for high-net-worth domestic and international clients, this team brings deep expertise in navigating intricate income and asset structures. They handle loans with professionalism and clear communication, often praised for their thoroughness and ability to close deals on time. Some clients note the process can be detailed, reflecting the complexity of the cases handled.
With over 20 years in the mortgage industry, PRMG offers a wide range of loan options including VA, FHA, Conventional, Non-QM, and renovation programs. The team is known for clear communication and support throughout the loan process, though some clients have noted occasional challenges with responsiveness.
Milo specializes in digital mortgage loans for global and U.S. consumers investing in U.S. real estate, offering a streamlined online application and fast closings. The team handles everything with professionalism and clear communication, though some customers note occasional unexpected document requests during the process.
Specializing in low-rate Conventional, FHA, VA, and Jumbo loans, Premier Home Loans Miami offers a broad range of mortgage and refinancing options, including solutions for self-employed and foreign national borrowers. Clients appreciate the team’s clear communication and responsiveness throughout the process, though some note the pace can vary depending on loan complexity.
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).
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.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Bennett Capital Partners Mortgage Brokers | 5.0 | 115 | — | (800) 457-9057 | Visit |
| 2 | Bold Mortgage William A Ledesma | 5.0 | 83 | — | (786) 387-3676 | Visit |
| 3 | Miami Mortgage Brokers | 5.0 | 103 | Fee quoted per loan | (954) 494-7288 | Visit |
| 4 | Miami Mortgage Advisors LLC | 5.0 | 102 | Quoted per loan | (305) 239-8855 | Visit |
| 5 | Lending Bankers Mortgage | 5.0 | 100 | Fee quoted per loan | (786) 373-3077 | Visit |
| 6 | Lennar Mortgage, LLC SE Florida | 4.9 | 103 | Quoted per loan | (305) 485-2046 | Visit |
| 7 | Paulo Rodriguez at CrossCountry Mortgage | 5.0 | 95 | Quoted per loan | (305) 434-0575 | Visit |
| 8 | PRMG | 4.7 | 80 | Quoted per loan | (786) 217-3618 | Visit |
| 9 | Milo | 4.9 | 42 | Quoted per loan | (888) 433-6456 | Visit |
| 10 | PREMIER HOME LOANS MIAMI – LOWEST FHA VA AND CONVENTIONAL RATES | 4.7 | 30 | Quoted per loan | — | Visit |
Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.
An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.
General information, not financial advice — consult a qualified professional.