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Review Keywords Analysis

  1. United States
  2. Best Mortgage Brokers
  3. Mortgage Brokers in Florida
  4. Miami
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
Step 1 of 3

Mortgage Affordability Calculator Miami, FL

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.

Property tax are for this state.

An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.

Top-rated mortgage brokers in Miami

Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →

1

Bennett Capital Partners Mortgage Brokers

Verified

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.

Services & Prices
Residential Mortgage, Investment Property Financing, Condo Loans)
Rate and Term Refinance, Cash-out Refinance, Debt Consolidation Refinance)
DSCR Loans, Bridge Loans, Renovation Loans)
First-time Homebuyer Pre-approval, Investment Property Pre-approval, Fast-track Pre-approval)
View Profile
(800) 457-9057
Open 7:00 AM - 9:00 PM
1101 Brickell Ave STE 800, Miami, FL 33131, 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 $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
3

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
4

Miami Mortgage Advisors LLC

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.

Services & Prices
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
DSCR Loans Quoted per loan
HELOC Rate Comparison Quoted per loan
View Profile
(305) 239-8855
Open 9:00 AM - 5:00 PM
31 SE 5th St Cu-401, Miami, FL 33131, USA
General Services
Mortgage Services
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
Open 9:00 AM - 9:00 PM
848 Brickell Ave STE 1200, Miami, FL 33131, USA
General Services
Mortgage Services
Where they are 10 on the map Click a pin for the profile and directions
6

Lennar Mortgage, LLC SE Florida

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.

Services & Prices
Home Loan Approval Quoted per loan
Loan Structuring Quoted per loan
View Profile
(305) 485-2046
Open 8:30 AM - 5:30 PM
5505 Waterford District Dr #505, Miami, FL 33126, USA
General Services
Mortgage Services
7

Paulo Rodriguez at CrossCountry Mortgage

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.

Services & Prices
Home Purchase Mortgage Quoted per loan
Refinancing Options Quoted per loan
Loan Modification Quoted per loan
View Profile
(305) 434-0575
Open 8:30 AM - 5:00 PM
333 NE 24th St STE 311, Miami, FL 33137, USA
General Services
Mortgage Services
8

PRMG

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.

Services & Prices
Conventional Loan Quoted per loan
FHA Loan Quoted per loan
VA Loan Quoted per loan
Rate and Term Refinance Quoted per loan
View Profile
(786) 217-3618
Open 8:30 AM - 5:30 PM
815 NW 57th Ave Suite 125, Miami, FL 33126, USA
General Services
Home Loan Services
9

Milo

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.

Services & Prices
Conventional Loans Quoted per loan
Crypto Mortgages Quoted per loan
Foreign National Loans Quoted per loan
Pre-Approval for Foreign Nationals Quoted per loan
View Profile
(888) 433-6456
Open 9:00 AM - 6:00 PM
545 NW 26th St Suite 200, Miami, FL 33127, USA
General Services
Mortgage Services
10

PREMIER HOME LOANS MIAMI – LOWEST FHA VA AND CONVENTIONAL RATES

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.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
Home Equity Line of Credit (HELOC) Quoted per loan
Pre-Approval for Home Purchases Quoted per loan
View Profile
Open 9:00 AM - 6:00 PM
2665 S Bayshore Dr STE 220-8, Miami, FL 33133, USA
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 Mortgage Brokers stats: 10 businesses compared side by side · updated
# 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

How this Miami mortgage affordability calculator works

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.

Florida rules and numbers this calculator uses

Debt-to-income
31% for housing and 43% total, the FHA standard and the long-time Qualified Mortgage limit. Some conventional loans go higher with strong credit and savings.
Down payment
At least 3% on a conventional first-time buyer loan (3.5% on FHA). Under 20% down, private mortgage insurance of about 0.6% of the loan a year is added to the payment.
Property tax
About 0.76% of the home's value a year, the Florida average for owner-occupied homes (2024 Census ACS).
Insurance
Homeowners insurance assumed at $150 a month; it varies a lot by home and location.
Rate
Starts at 7.40% (Freddie Mac 30-year average, October 2026). Change it to the rate you have been quoted.

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.

Frequently asked questions

9 questions
How does the Miami mortgage affordability calculator work?
It estimates the highest home price you can qualify for based on income, debts, down payment, interest rate, and first-time buyer status.
What is the debt-to-income ratio for mortgages in Florida?
Lenders typically cap housing costs at 31% and total debts at 43% of gross monthly income; some loans allow more with strong credit.
What is the minimum down payment for a Miami home?
Minimum down payment is 3% for conventional loans and 3.5% for FHA loans; VA and USDA loans may allow 0% down.
How does PMI affect my mortgage in Miami?
If you put less than 20% down, PMI adds about 0.6% of the loan annually; it can be removed once the loan balance is below 80% of the home's value.
How do interest rates impact what I can afford in Miami?
Higher interest rates increase monthly payments, reducing the home price you can afford; rates change weekly.
How do my debts affect my mortgage qualification in Florida?
Higher monthly debts reduce the mortgage amount you can qualify for, as lenders consider total debt-to-income ratios.
What are property taxes like in Miami, Florida?
Property tax is about 0.76% of the home's value annually, based on Florida's 2024 average for owner-occupied homes.
What's the difference between pre-approval and pre-qualification?
Pre-approval involves lender verification of income, debts, and credit, providing a more accurate estimate than pre-qualification.
What does a mortgage broker do in Miami?
A mortgage broker helps find and negotiate mortgage loans from various lenders, tailored to your financial situation.

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