Financing tips

Financing tips

If you are a first time buyer, it is sometimes confusing to choose the right source to finance your home. By selecting us, you are automatically applying and using the resources of more than 35 Lenders in the United States, and more than 65 mortgage programs.

One of the first things you have to do when buying a home is to contact us, so we can pre-qualify you for a loan. The type of loan and the amount of the loan will depend of several factors like your job stability, your monthly income, your credit, and the type of property you are looking for.

If you are living outside the United States, click here for a list of the documents needed to obtain a loan. Para Espanol click here.

The fact that your credit is less-than-perfect, does not inhibit you from obtaining financing, We have several mortgage programs that help you in accomplishing your dream. We strongly recommend that you use the service of a real estate agent to take you throughout the entire process.

Mortgage Programs. Click here to go directly to the mortgage programs list.

Our professional Loan Consultants are ready to help you in all your financing needs. They will take your loan application at any time, any place, 7 days a week. Our Loan Consultants work with you to determine the financing that is right for you, whether it is a first mortgage, a refinance, a 2nd mortgage, a commercial loan, or a debt consolidation. We make the process easier by offering our on-line application. In 24 hours we will let you know the type of loan that is most convenient for you, and in some cases we can obtain a full approval using our FAST APPROVAL, a unique system that allow us to approve conventional, FHA and non-conforming loan (non-perfect credit) approvals in 10 minutes.

Consolidate your debt into one low monthly payment and SAVE! Even if you've been late with payments in the past, you may still qualify to refinance your current mortgage to get the CASH you need. Pay off high-interest credit cards and consumer loans with one loan, and ONE low-interest monthly payment.

Get your finances back on track with a home equity loan from Miami Mortgage! Behind on bills? It happens. Medical bills, unexpected home repairs, emergencies, credit card bills, car troubles, can all put a big dent in your monthly budget. With a home equity loan from us, you could pay off those monthly bills, help repair your credit and give you one monthly payment that's much more affordable.

Whatever your dream is, Miami Mortgage can help turn it into a reality with a second mortgage loan. Need to send your kids to college? Want to take a vacation? Make an addition to your home? Pay medical bills? Even with non-perfect credit, you can choose to do as you please with your new loan - it's entirely up to you!

Contact us even if you have been turned down by other institutions. We go the extra mile to provide you with the financing you need.

Current rates. Click here to go directly to the current rates page.

Foreign applicants: Applying for a mortgage in the United States of America is easier than you'd expect. All applicants need to have between 20% and 25% down payment, and the following documentation:

1) Income verification either in United States or from the applicant's country.

2) Assets verified in a United States banking institution.

3) A notarized Letter of Reference from a banking institution from the applicant's country.

4) An address of a relative that is a resident of the United States if possible.

5) Copy of non-resident alien card, visa, or passport. Loans will be subject to all other standard verifications.

6) On all loans the borrower will be required to open a direct payment account with a minimum of 6 months worth of principal and interest with a Lender. This requirement will be waived for applicants from Canada.

Our Loan Consultants speak the following language: Spanish, French, Italian, and Portuguese. Contact us in your own language.

Employment opportunities. Click here to find out your future opportunities.

Please, feel free to call us 305-221-2274, and ask for a Loan Consultant to match your special situation with one of our mortgage programs. Or you can E-mail your questions to yes@miamimortgage.com