Understanding Reverse Mortgages in Miami: A Guide to Home Values

September 18, 2024 by David Otero

Are you considering a reverse mortgage in Miami but unsure how home values affect your options? This guide breaks down the essentials of reverse mortgages in the United States, focusing on Miami’s unique real estate market. You’ll learn how to navigate home valuations, choose the right lender, and understand the application process. We’ll also cover key legal and financial considerations, ensuring you have the education and accessibility you need to make an informed decision about this mortgage option.

Understanding the Basics of Reverse Mortgages in Miami

a senior couple sitting at a table with a financial advisor in a cozy miami living room, discussing reverse mortgage options.

Discover the essentials of reverse mortgages in Miami, including eligibility requirements and the role of home equity. Learn about reverse mortgage rates, loans, and the importance of consulting a lawyer or real estate professional. Explore the advantages and disadvantages of choosing this financial option as a creditor. Understanding these basics will help you make an informed decision about reverse mortgages.

What Is a Reverse Mortgage?

A reverse mortgage is a unique loan that enables homeowners aged 62 or older to convert their home equity into cash without selling their property. This financial product allows you to borrow against your home’s market value while retaining ownership and the pleasure of living in your residence. Unlike traditional mortgages, reverse mortgages don’t require monthly payments; instead, the loan becomes due when you sell the home, move out, or pass away. It’s important to note that these loans are typically insured by the Federal Housing Administration (FHA) to protect both borrowers and lenders.

Eligibility Requirements for a Reverse Mortgage

To qualify for a reverse mortgage in Miami, you must meet specific criteria. You need to be at least 62 years old, own your home outright or have a substantial amount of equity, and use the property as your primary residence. The cost of a reverse mortgage can vary, but it’s typically higher than a traditional mortgage loan. While most reverse mortgages are federally insured, some lenders offer proprietary reverse mortgages with different terms. Your credit score may affect your eligibility, but it’s generally not as crucial as with conventional loans.

The Role of Home Equity in Reverse Mortgages

Home equity plays a crucial role in reverse mortgages, determining your borrowing capacity. As a property owner, you can leverage your home’s value to access funds, especially if you’re on a fixed income. The amount you can borrow depends on factors like your age, current interest rates, and your home’s appraised value. Keep in mind that while a reverse mortgage can provide financial flexibility, it may impact your property tax obligations and overall ownership structure. Advancements in technology have made it easier to calculate potential loan amounts and understand the long-term implications of this financial decision:

Factor	Impact on Reverse Mortgage
Home Value	Determines maximum loan amount
Age	Older borrowers can access more equity
Interest Rates	Affects loan costs and available funds
Property Taxes	Must be paid to maintain eligibility

The Pros and Cons of Choosing a Reverse Mortgage

Choosing a reverse mortgage in Miami involves carefully weighing the pros and cons. On the positive side, you can access your home equity without selling, potentially improving your financial flexibility. A reverse mortgage calculator can help you estimate potential loan amounts. However, fees associated with these loans can be substantial, and your equity will decrease over time. It’s crucial to consult with a loan officer to understand the full implications, including how it might affect your investment strategy and long-term financial goals. Consider the following factors:

Impact on your estate and heirs
Ongoing property maintenance costs
Potential changes in property values
Your long-term care needs
Alternative financial options

Navigating Home Values in Miami for Reverse Mortgages

a vibrant miami skyline with luxurious waterfront properties, reflecting the city's diverse real estate market and potential for reverse mortgages.

Navigating home values in Miami is crucial for reverse mortgage eligibility and understanding your financial options. You’ll learn how Miami’s real estate market influences reverse mortgages, explore average home values, and discover location impacts. We’ll also introduce tools for assessing your home’s value, considering factors like credit and foreclosure risks. This knowledge will help you make informed decisions as a customer in the reverse mortgage process.

How Miami‘s Real Estate Market Affects Reverse Mortgages

Miami’s dynamic real estate market significantly influences reverse mortgages, affecting your options as a customer. As a mortgage lender, we’ve observed that fluctuating home values in Florida directly impact the amount you can borrow through reverse mortgages. The Federal Housing Administration (FHA) sets lending limits, which are adjusted based on market conditions. Our knowledge and customer service expertise allow us to guide you through these changes, ensuring you understand how Miami’s unique market trends affect your Florida reverse mortgage opportunities.

Average Home Values in Miami: What You Need to Know

As you consider a reverse mortgage in Miami, understanding average home values is crucial for your financial planning. In retirement, you can leverage your home’s equity to access cash, but the amount available depends on current market values. Miami’s diverse neighborhoods offer a range of home prices, which can impact your reverse mortgage options. Your health and patient care needs may influence your decision, as a reverse mortgage can provide funds for medical expenses or in-home care. Remember, the higher your home’s value, the more you may be able to borrow, potentially enhancing your retirement security.

The Impact of Location on Your Home’s Value

Your home’s location significantly impacts its value, which directly affects your reverse mortgage options. In Miami’s diverse real estate market, properties in prime areas can command higher prices, potentially increasing your available line of credit. When considering a home equity loan or reverse mortgage, you must factor in how your neighborhood’s desirability influences your home’s worth. Language barriers or cultural factors in certain areas may also impact property values. Remember, your home is both an asset and a source of potential debt, so understanding its location-based value is crucial for making informed financial decisions.

Tools and Resources for Assessing Your Miami Home’s Value

To accurately assess your Miami home’s value for a reverse mortgage, you can utilize various tools and resources. Online valuation platforms provide instant estimates based on recent sales data, while professional appraisals offer more precise valuations of your primary residence. For a HECM reverse mortgage or jumbo mortgage, understanding your home’s worth is crucial as it determines the potential lump sum or income you can receive. Consult with local real estate agents or mortgage professionals who can provide insights into current market trends and help you navigate the valuation process specific to Miami’s diverse neighborhoods.

Choosing the Right Reverse Mortgage Lender in Miami

a senior couple meeting with a knowledgeable and trustworthy hud-approved reverse mortgage lender in a cozy miami office.

Choosing the right reverse mortgage lender in Miami is crucial for your financial confidence. You’ll learn criteria for selecting lenders, discover top-rated options in South Florida, understand the importance of HUD-approved lenders, and explore key questions to ask. This knowledge will help you navigate the mortgage lending market effectively, ensuring you make an informed decision for your unique situation.

Criteria for Selecting a Reverse Mortgage Lender

When selecting a reverse mortgage lender in Miami, you should consider several key criteria to ensure you’re making the best choice for your financial future. Look for lenders who offer competitive interest rates on home equity lines of credit and have transparent policies regarding mortgage insurance premiums. A reputable reverse mortgage lender will guide you through the underwriting process, explaining how they assess your eligibility and determine the amount of money you can borrow against your home’s equity. Pay attention to their customer service quality and willingness to answer your questions about the long-term implications of a reverse mortgage on your financial situation.

Top Rated Reverse Mortgage Lenders in Miami

When considering top-rated reverse mortgage lenders in Miami, you’ll find options that cater to various financial situations, including those concerned about down payments or tax implications. These lenders often provide expertise on how reverse mortgages can affect your wealth and potential future needs, such as nursing home care. You’ll want to compare interest rates and terms carefully, as these can significantly impact the long-term value of your reverse mortgage. Look for lenders who are transparent about their processes and willing to explain how their products can align with your financial goals.

The Importance of Working With a HUD-Approved Lender

When choosing a reverse mortgage lender in Miami, working with a HUD-approved mortgage company is crucial. These lenders have the experience and knowledge to provide accurate information about reverse mortgages, including details on interest rates and how to leverage your home equity effectively. By selecting a HUD-approved lender, you gain access to federally insured Home Equity Conversion Mortgages (HECMs), which offer additional protections and standardized terms. This ensures you receive reliable guidance throughout the reverse mortgage process:

Benefits of HUD-Approved Lenders	Impact on Your Reverse Mortgage
Regulatory Compliance	Ensures adherence to federal guidelines
Standardized Products	Offers consistent HECM options
Consumer Protections	Provides safeguards against predatory lending
Counseling Requirement	Mandates unbiased third-party education

Questions to Ask Potential Lenders

When interviewing potential lenders for your reverse mortgage in Miami, ask about their experience with second mortgages and refinancing options. Inquire about the Consumer Financial Protection Bureau’s role in overseeing reverse mortgages and how the lender ensures compliance. Ask detailed questions about finance charges, interest rates, and the consent process for spouses or heirs. Understanding these aspects will help you make an informed decision:

What are your typical interest rates for reverse mortgages?
How do you handle the required counseling sessions?
Can you explain the long-term financial implications of a reverse mortgage?
What fees are associated with your reverse mortgage products?
How do you assist clients if they face difficulties maintaining their obligations?

Miami Reverse Mortgage Application Process

a smiling elderly couple discussing financial documents with a knowledgeable mortgage broker in a sleek miami office setting.

Navigating the reverse mortgage application process in Miami requires understanding key steps and financial services. As your mortgage broker, we’ll guide you through the application, documentation, appraisal, and closing costs. This knowledge will help you make informed decisions about your home’s value and potential nursing care needs. Let’s explore each stage of the process to ensure you’re well-prepared.

Step-by-Step Guide to Applying for a Reverse Mortgage in Miami

To apply for a reverse mortgage in Miami, you’ll start by consulting with a financial expert who can assess your home equity and explain how this loan might affect your life insurance policies. As a consumer, you’ll need to gather essential documents, including proof of income and property ownership. Your next step involves completing the application and undergoing mandatory counseling to ensure you understand the terms. Once submitted, an appraiser will evaluate your home’s value, which determines the potential payment amount you could receive. Throughout this process, you’ll work closely with your chosen lender to address any questions and finalize the loan terms.

Required Documentation for a Reverse Mortgage Application

When applying for a reverse mortgage in Miami, including jumbo reverse mortgages, you’ll need to provide comprehensive documentation to support your application. This includes proof of age, property ownership documents, and financial statements to demonstrate your ability to manage ongoing property expenses. Your lender will also require legal documents, such as a government-issued ID and Social Security card, to verify your identity and eligibility. As a tool for financial planning in retirement, a reverse mortgage application necessitates thorough documentation to ensure compliance with federal and state laws.

Navigating the Appraisal Process in Miami

When navigating the appraisal process for your reverse mortgage in Miami, you’ll need to prepare for a thorough evaluation of your property. An FHA-approved appraiser will assess your home’s value, considering factors like location, condition, and recent sales of comparable properties. This appraisal is crucial as it determines the amount you can borrow through your reverse mortgage. Be prepared to provide access to all areas of your home and address any maintenance issues that might affect its value. The appraisal report will include:

Appraisal Component	Impact on Reverse Mortgage
Property Condition	Affects loan eligibility and amount
Market Value	Determines maximum borrowing limit
Comparable Sales	Influences appraised value
Location Assessment	Impacts overall property valuation

Closing Costs and Fees: What to Expect

When closing your reverse mortgage in Miami, you’ll encounter various costs and fees. These typically include origination fees, mortgage insurance premiums, appraisal fees, and title insurance. You should expect to pay closing costs ranging from 2% to 5% of your home’s value. Your lender will provide a detailed breakdown of these expenses, allowing you to budget accordingly and understand the full financial impact of your reverse mortgage decision.

Legal and Financial Considerations of Reverse Mortgages in Miami

a senior couple receiving financial counseling in a bright, modern office setting in miami.

When considering a reverse mortgage in Miami, you must understand the legal and financial implications. You’ll explore local regulations, financial consequences, and the importance of counseling. Learn how reverse mortgages affect your heirs and estate planning. This knowledge will help you make informed decisions about leveraging your home’s value for retirement income.

Understanding Reverse Mortgage Regulations in Miami

In Miami, you must navigate specific regulations when considering a reverse mortgage. The Florida Office of Financial Regulation oversees these loans, ensuring lenders comply with state and federal laws. You’ll need to meet age requirements, typically 62 or older, and have significant home equity. Understanding these regulations is crucial for protecting your interests and making informed decisions about your financial future:

Age and residency requirements
Property type restrictions
Mandatory counseling sessions
Disclosure obligations for lenders
Non-recourse loan stipulations

The Financial Implications of a Reverse Mortgage

When considering a reverse mortgage in Miami, you must understand its financial implications. These loans can provide you with additional income, but they also reduce your home equity over time. You’ll need to carefully assess how this might affect your long-term financial plans and ability to leave an inheritance. Keep in mind that while you’re not required to make monthly mortgage payments, you’re still responsible for property taxes, insurance, and maintenance costs. Consider the following table to understand the financial aspects of reverse mortgages:

Financial Aspect	Impact on Your Finances
Home Equity	Decreases over time
Cash Flow	Increases through loan proceeds
Property Obligations	Ongoing responsibility for taxes and insurance
Inheritance Value	Potentially reduced for heirs

Consulting With a Reverse Mortgage Counselor

When considering a reverse mortgage in Miami, consulting with a HUD-approved reverse mortgage counselor is crucial. This mandatory step ensures you fully understand the financial implications and legal obligations of your decision. During the counseling session, you’ll explore alternative options, review your financial situation, and discuss how a reverse mortgage might affect your long-term goals. Your counselor will provide unbiased information, helping you make an informed choice about whether a reverse mortgage aligns with your needs:

Counseling Topics	Benefits for You
Loan Terms	Clear understanding of obligations
Financial Alternatives	Exploration of other options
Long-term Impact	Insight into future financial scenarios
Borrower Responsibilities	Awareness of ongoing requirements

How Reverse Mortgages Affect Heirs and Estate Planning

When you opt for a reverse mortgage in Miami, you need to consider its impact on your heirs and estate planning. Your reverse mortgage becomes due when you pass away or move out, potentially reducing the inheritance you leave behind. Your heirs will have options, including repaying the loan to keep the property, selling the home to satisfy the debt, or surrendering the property to the lender. It’s crucial to communicate your reverse mortgage decision with your family and incorporate it into your broader estate planning strategy to ensure your wishes are honored and your heirs are prepared for the financial implications.

Real Stories: Reverse Mortgage Success Stories in Miami

a happy retiree sitting in their miami home, surrounded by financial advisors nodding in agreement as they discuss the success of their reverse mortgage.

Explore real-life examples of reverse mortgages in Miami, including a retiree’s success story and expert opinions from financial advisors. Learn about challenges faced and how they were overcome. Gain insights into the future role of reverse mortgages in retirement planning, helping you make informed decisions about your financial future.

Case Study: How a Reverse Mortgage Helped a Miami Retiree

Consider the case of Maria, a 72-year-old Miami retiree who used a reverse mortgage to enhance her retirement lifestyle. Maria’s fixed income was stretched thin by rising living costs and unexpected medical expenses. By tapping into her home’s equity through a reverse mortgage, she received a lump sum that covered her immediate needs and established a line of credit for future use. This financial strategy allowed Maria to remain in her beloved Miami home while improving her cash flow and quality of life:

Reverse Mortgage Benefit	Impact on Maria’s Life
Lump Sum Payment	Covered medical expenses and home repairs
Line of Credit	Provided financial security for future needs
Eliminated Monthly Mortgage	Increased disposable income
Retained Home Ownership	Maintained community connections and familiar surroundings

Expert Opinions: Financial Advisors on Reverse Mortgages in Miami

When considering a reverse mortgage in Miami, you’ll find financial advisors offer varied perspectives. Many experts emphasize the importance of understanding how these loans can affect your long-term financial health and estate plans. They often recommend exploring alternative options first, such as downsizing or traditional home equity loans. However, for some retirees in Miami’s high-value real estate market, a reverse mortgage can be a strategic tool to supplement retirement income while aging in place.

Overcoming Challenges: When Reverse Mortgages Are a Tough Sell

When faced with skepticism about reverse mortgages in Miami, you’ll need to address common concerns head-on. You might encounter resistance due to misconceptions about losing home ownership or fears of leaving debt to heirs. To overcome these challenges, focus on educating potential borrowers about the safeguards in place, such as non-recourse provisions and the ability to remain in the home. Emphasize how a reverse mortgage can provide financial flexibility in retirement, especially in Miami’s dynamic real estate market where home values often appreciate over time.

Future Outlook: The Role of Reverse Mortgages in Retirement Planning

As you plan for retirement in Miami, reverse mortgages are likely to play an increasingly significant role. With rising home values and longer life expectancies, you may find these financial products offer a viable solution for accessing. However, future regulations and market conditions could impact their availability and terms, so it’s crucial to stay informed and work with reputable lenders who can guide you through evolving options. Remember, a reverse mortgage should be part of a comprehensive retirement strategy, tailored to your specific financial goals and circumstances.

Apply for a Reverse Mortgage in Miami Now

Understanding reverse mortgages in Miami is crucial for homeowners seeking to leverage their home equity in retirement. This comprehensive guide equips you with essential knowledge about eligibility requirements, the role of home values, and the intricacies of the application process. By exploring the legal and financial implications, consulting with experts, and learning from real-life success stories, you can make informed decisions about whether a reverse mortgage aligns with your retirement goals. Ultimately, this guide empowers you to navigate the complex landscape of reverse mortgages in Miami’s dynamic real estate market, potentially enhancing your financial security and quality of life in your golden years. Contact us at (786) 220-1100 to schedule your mortgage consultation.

Real Reviews of Miami Refinancing Options Revealed

September 13, 2024 by David Otero

Miami homeowners seeking to refinance their mortgages face a myriad of options, from traditional banks to credit unions. The experience of refinancing can vary greatly depending on the loan origination process and the chosen company. Many residents find that refinancing can lead to significant savings, reducing their monthly expenses and improving their financial situation. Keep reading to discover real reviews of Miami refinancing options, including insights from local homeowners who have navigated this process successfully.

How Miami Residents Benefit From Refinancing

a homeowner in miami discussing refinancing options with a real estate agent, pointing to charts and graphs on a laptop screen.

As a Miami homeowner, you have access to various refinancing options that can significantly improve your financial situation. From tapping into your home equity line of credit for renovations to exploring Fannie Mae’s flexible terms of service, refinancing presents numerous opportunities. Real estate agents often recommend refinancing to their clients, highlighting two key benefits: the potential for lower monthly payments and the chance to reduce interest rates, both of which can lead to substantial savings over time.

Lower Monthly Payments Attract Homeowners

Lowering your monthly payments through refinancing can significantly improve your debt-to-income ratio. This change may enable you to allocate more funds towards other financial goals or investments. With the internet at your fingertips, you can easily compare refinancing options and even initiate the process online. Remember to factor in costs like title search fees when considering refinancing, as lenders use current market data to determine your new interest rate and terms.

Reduction in Interest Rates Boost Savings

Securing a lower interest rate through home refinance can significantly boost your wealth over time. As a savvy customer, you can leverage online banking tools to compare rates and find the best deal for your financial situation. By reducing your interest rate, you’ll pay less money toward interest over the life of your loan, allowing you to build equity faster and potentially save thousands of dollars in the long run.

Top 5 Miami Banks for Refinancing Options

a group of people sitting in a bank office, discussing refinancing options for a property.

Miami’s financial landscape offers numerous refinancing options, with local banks and credit unions leading the way. These institutions provide competitive rates for second mortgages and home equity loans, often including title insurance in their packages. Whether you’re looking to refinance your primary residence or a commercial property, these top 5 Miami banks stand out for their diverse offerings. From advertising attractive terms to prioritizing customer satisfaction, these financial institutions cater to various refinancing needs. Let’s explore the first two on our list, known for their competitive rates and exceptional customer service.

Local Bank #1 and Its Competitive Rates

Local Bank #1 stands out as a top lender for Miami homeowners seeking competitive refinancing rates. You’ll find their home lending options tailored to fit various budgets and employment situations, potentially helping you consolidate unsecured debt into a more manageable mortgage payment. Their experienced loan officers can guide you through the refinancing process, ensuring you understand all aspects of your new loan terms.

Credit Union #2 Known for Customer Satisfaction

Credit Union #2 stands out for its exceptional customer satisfaction in mortgage refinancing. You’ll find their negotiation process transparent and tailored to your income level. Submit your email address to receive personalized home loan options that could significantly improve your financial situation:

Feature	Benefit
Personalized Service	Tailored refinancing options based on your income
Transparent Process	Clear communication throughout the refinancing journey
Competitive Rates	Potential for significant savings on your home loan

Navigating the Challenges of Refinancing in Miami

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Refinancing in Miami can be complex, especially when navigating conforming loan requirements and property appraisals in diverse communities like Coral Way. You’ll face challenges such as high closing costs and potential property valuation issues, which can impact your interest rates and overall refinancing success. Understanding these hurdles is crucial, as they can affect your ability to consolidate high-interest credit card debt or access better loan terms. By researching your options and preparing for potential roadblocks, you can position yourself for a smoother refinancing experience in Miami’s dynamic real estate market.

Overcoming High Closing Costs With Research

You can overcome high closing costs in Miami by conducting thorough research on home refinancing options. Gather information from multiple Florida mortgage lenders to compare fees and finance terms. Explore various refinancing programs offered by different institutions, as some may provide more favorable options for your specific situation. Consider consulting with a financial advisor who specializes in home loans to gain insights into potential cost-saving strategies:

Compare closing costs from multiple lenders
Research state-specific refinancing programs in Florida
Negotiate with lenders for fee reductions
Consider rolling closing costs into the loan if financially viable
Explore government-backed refinancing options with lower fees

Dealing With Property Appraisal Issues Successfully

When dealing with property appraisal issues in Miami, you can take proactive steps to ensure a successful refinancing process. Work closely with your mortgage broker to gather comprehensive market data and comparable sales in your area. Enhance your property’s curb appeal through strategic marketing efforts, as this can positively influence the appraiser’s assessment. If you receive a lower-than-expected appraisal, don’t hesitate to challenge it by providing additional information to your mortgage lenders. Remember, effective management of the appraisal process, combined with exceptional customer service from your chosen lender, can significantly improve your chances of a favorable outcome.

The Impact of Credit Scores on Miami Refinance Rates

a person checking their credit score on a laptop while surrounded by financial documents and charts.

Your credit score plays a pivotal role in securing favorable refinance rates in Miami’s competitive mortgage market. As a veteran or civilian homeowner, understanding how your credit profile influences interest rates can significantly impact your refinancing options. Whether you’re looking to consolidate credit card debt or lower your monthly mortgage payments, your credit score serves as a key factor in determining the terms lenders offer. In Miami’s dynamic real estate landscape, knowing the minimum credit score requirements and implementing strategies to boost your score can make a substantial difference in the interest rates available to you.

Understanding the Minimum Credit Score Requirements

Understanding the minimum credit score requirements is crucial when seeking refinancing options in Miami, especially in areas like Brickell. Most lenders require a credit score of at least 620 for conventional refinancing, though some may accept scores as low as 580 for FHA loans. Your credit score directly impacts the interest rates and terms you’ll be offered, with higher scores typically resulting in more favorable conditions. If you’re self-employed or have irregular income, some lenders may consider alternative documentation like bank statements to assess your creditworthiness:

Loan Type	Minimum Credit Score	Additional Requirements
Conventional	620+	Stable income, low debt-to-income ratio
FHA	580+	3.5% down payment, mortgage insurance
VA	No set minimum	Eligible veterans, service members
Cash-out Refinance	620-680+	Sufficient home equity, strong financial profile

Strategies to Improve Your Score Before Applying

Improve your credit score before applying for refinancing by working with a mortgage broker to develop a strategic plan. Focus on paying down existing debts, especially high-interest credit cards, which can boost your score and potentially open doors for debt consolidation options. Consider leveraging assets or increasing your down payment to strengthen your financial profile, making you a more attractive candidate to loan officers.

Personal Stories From Miami Homeowners Who Refinanced

miami homeowners discussing refinancing options with a lawyer.

Miami homeowners have experienced significant benefits from refinancing their properties, even in challenging circumstances. From navigating complex legal situations with the help of a lawyer to paying close attention to market trends, these individuals have found success in restructuring their mortgages. Whether dealing with condominium associations, going through a divorce, or managing construction-related expenses, refinancing has provided solutions for many. John Doe’s journey to lower payments and Jane Smith’s success with cash-out refinancing offer valuable insights into the real-world advantages of this financial strategy in Miami’s dynamic real estate market.

John Doe’s Journey to Lower Payments

You can learn from John Doe’s journey to lower payments in Miami’s competitive real estate market. After struggling to maintain his dream business due to high commercial mortgage costs, John decided to explore refinancing options. He logged in to various lenders’ websites, comparing rates and terms, and eventually secured a refinance that significantly reduced his monthly payments. This savvy move allowed John to allocate more funds towards growing his business, proving that strategic refinancing can be a game-changer for both personal and commercial properties in Miami.

Jane Smith’s Success With Cash-Out Refinancing

Jane Smith’s success with cash-out refinancing in South Florida demonstrates the potential benefits of this option for homeowners. By tapping into her property’s equity, Jane secured a new home loan with a competitive annual percentage rate, allowing her to fund crucial home improvements. Despite initial concerns about the refinancing fee, Jane found that the long-term savings and increased property value outweighed the upfront costs. Her story highlights the importance of carefully considering all aspects of cash-out refinancing:

Aspect	Outcome
Loan Terms	Lower interest rate, extended repayment period
Cash-Out Amount	$50,000 for home improvements
Property Value	Increased by $75,000 after renovations
Monthly Savings	$300 due to lower interest rate

Refinance im Miami FL with Lending Bankers Mortgage

Real reviews of Miami refinancing options provide invaluable insights for homeowners seeking to improve their financial situations. These authentic experiences highlight the diverse range of benefits, from lowering monthly payments to accessing cash for home improvements. By examining real-life stories, you can better understand the potential challenges and successes associated with refinancing in Miami’s unique real estate market. Armed with this knowledge, you can make more informed decisions and potentially unlock significant savings or investment opportunities through strategic refinancing. Contact us at (786) 220-1100 to schedule your mortgage consultation.

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15:03 16 Aug 24

I had the pleasure to work with Danny Perez. He was very professional and made my mortgage application process as smooth as possible. Thank you again Danny for all the hard work you put in to helping me get my investment property done. You are amazing at what you do😊

Julian V.

16:47 01 Aug 24

My boss referred me to Lending Bankers due to his past outstanding experiences with them. My process for refinancing was difficult and long, Gabriel did a fabulous job by selecting different banks and when one was chosen he really made it happen. Together with David Otero they even spoke to the bank president. I truly recommend them.

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David Otero and Gabriel from Lending Bankers are the best!!!! Super easy to work with and very professional. They are always available to answer any questions, and they have open lines of communication throughout the entire process no matter the time they always answer. The loan process was painless and fast! Thank you very much for all your work and for your excellent service.

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Genial empresa , gente muy comprometida con ayudar a el cliente , súper amable y siempre viendo como se den las cosas de la manera más rápida y correcta !David y Gabriel en especial me acompañaron en todo el proceso y básicamente lo hicieron ellos !!

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Excelente Equipo.. reconocimiento para todo el equipo de trabajo liderado por Juan Grieben.. son Excelentes.. Profesionales y Eficientes. En nuestro caso entre otras situaciones disponiamos de tiempos muy ajustados. Nos comunicamos permanentemente durante el proceso de evaluación y nuestro objetivo fue logrado a tiempo con una muy clara propuesta económica desde el primer momento.. Estamos muy agradecidos y satisfechos.. 100% recomendables..

Marisol M.

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Juan Grieben es fabuloso ! Pudo resolver un préstamo con condiciones excelentes en pocos días !

Javier R.

15:27 18 May 24

Conozco a Juan G. desde la universidad, y su dedicación como profesional siempre fue estupenda. Su profundo conocimiento del mercado, atención al detalle y enfoque centrado en el cliente hacen que trabajar con él sea una experiencia excepcional. Siempre brinda asesoramiento honesto y soluciones a medida. Gracias David y Juan por la experiencia con ustedes.

Jessie O.

02:44 17 May 24

My new found brother in arms, BRICKELL BRUCE!!! He really stepped to bat for our commercial acquisition. A finance broker is defined by their creativity and understanding of opportunity. They're the one selling the deal. We know he also has the ability to provide creative business financing for our commercial tenants as well. The man does it ALL and we're looking forward to working together again soon.Lending Bankers as a company seems to gel very well; I had the pleasure of speaking with CEO Mr. David Otero. Great guy and unbelievably knowledgeable with real estate finance. They offer residential mortgages as well. But personally, as someone who is constantly using private funding, I'm truly impressed by their knowledge of Fix & Flip and Bridge Loans.

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02:22 17 May 24

The Superior customer service, and know how by Danny Perez is impressive and why he has such a great reputation.. Effective and convenient don’t look anywhere else.. Thank you so much !!!⭐️⭐️⭐️⭐️⭐️

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00:02 17 May 24

Danny Perez was wonderful,he helped me navigate all the complexities of the mortgage approval process and helped me close the loan in a timely fashionI was impressed by his hard work perseverance and dedicationI recommend him wholeheartedly and look forward to doing more deals

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20:17 30 Apr 24

These guys are pros and know what they are doing. They made something hard look easy. Thanks Rodrigo and David, I appreciate your help!

Bianca A.

19:42 30 Apr 24

After having a hard time getting prequalified I’m glad I came across Rodrigo who asked all the right questions the other reps were missing. Seems like in this business it’s important for bankers to think outside to box. Thanks Rodrigo and David!! You made it happen

isabel O.

04:43 28 Apr 24

Thank you Pamela and David for all the help on financing my vacation home in Florida, great communication and excellent terms, I will send business your way guys.

21:19 24 Apr 24

Danny Perez is the absolute best. We needed our approval letter and everything very quickly to put an offer on a house, and Danny got it to us so quickly. BEST EVER!

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Siempre es un verdadero placer trabajar con este gran equipo, especialmente con Gabriel y David Otero . Profesionales, atentos, diligentes y siempre disponibles para sus clientes. Siempre los recomiendo para cualquiera que tengas necesidad de buscar un financiamiento.Como siempre, un placer enorme en trabajar juntos ❤️

Faridd E.

23:35 23 Apr 24

Muchas gracias a David Otero y Gabriel Corrente de Lending Bankers por su excelente atención y servicio para la obtención de mi servicios de prestamos, estoy súper agradecido con ustedes y son un excelente equipo.Saludos!

randol M.

18:25 23 Apr 24

A thank you to the excellent service provided by David Otero and Gabriel in obtaining my loan. Best regards

Victor P.

01:45 23 Apr 24

There’s no one else I’d recommend more than Katherine and David! Since our very first meeting they took the time to understand my financial situation and goals, provided amazing guidance on every step during the mortgage process. They were always available to answer my questions, making sure I felt confident and informed throughout the entire process no matter the time. Their attention to detail and dedication to their clients truly sets them apart. I couldn’t be more grateful for their help.

Roman K.

00:10 23 Apr 24

Danny Perez consistently goes above and beyond for his clients. His dedication to delivering exceptional service is evident in every interaction. I've referred him to friends and family without hesitation, and personally experienced the professionalism and expertise he brings to the table. He truly makes the experience painless and stays on top of you looking out for your best interest and goes to bat for you.Danny's commitment to his clients is unmatched, and I'm confident in recommending him to anyone in need of mortgage assistance. Thank you, Danny, for consistently exceeding expectations!

London

16:19 22 Apr 24

I want to thank David, Juan, and Gustavo for all their professionalism in handling business. Lending Bankers Mortgage is a very reliable broker to trust your investments!!!

Daniel S.

15:52 22 Apr 24

Two words: BRICKELL BRUCE!!! If you’re not working with him for your business and real estate loans…you need to. He makes life SOOO much easier. Thank you! Will be sending more business your way

dania Q.

14:31 22 Apr 24

I would like to thank Pamela and David at Lending Bankers Mortgage for their exceptional service in helping me find the right loan for my primary residence. Their expertise and dedication made the process smooth and stress-free. I highly recommend them for their amazing customer service and professionalism.Thank you, Pamela and David, for all your help!

Theo (T-Nice Personal T.

13:50 22 Apr 24

I would like to thank David and Pamela for helping our Family to get our second home in Sunny Isles Beach. We all tought it would be a complicated process to get financed but you guys communicated so well that we were able to understand every step, got to the closing table on time and really happy that it was an easy process. Again, thanks for everything and definitely will refer you guys to friends and family 🙂

Drew L.

23:23 26 Mar 24

Danny and his partners were exceptional collaborators, guiding me through a challenging refinancing process with unwavering support. Despite the project's difficulty in securing financing, their dedication and hard work ensured a perfect fit for my refinance. I enthusiastically endorse them and am already planning my next deal with them, just a month after closing the previous one.

Iban R.

01:09 07 Mar 24

La experiencia que tuve con Juan Grieben fue sumamente positiva. Desde el inicio, se mostró notablemente atento, brindando información detallada en cada etapa del proceso. Su actitud proactiva y su enfoque informativo hicieron que la gestión del préstamo fuera fluida y clara. Definitivamente, lo recomendaría por su profesionalismo y compromiso en brindar un servicio de calidad.

Jerry P.

17:58 07 Feb 24

I don’t know how else to put this… THESE people know ALL the moves. Over the many years I’ve been an accountant, I’ve worked with many mortgage brokers. This team is BY FAR, the BEST I’ve worked with.Bruce Davenport & David Otero really changed my outlook on what it is brokers do. I was able to get quick hard money for 2 projects in the same week. Phenomenal.

David O.

19:54 04 Feb 24

This was the best experience. Thank you for the excellent service!

Anthony Z.

12:01 08 Jan 24

Five Stars Miami Sunshine, All Thanks to Juan G. at Lending Bankers Mortgage!From pre-approval to closing day, Lending Bankers Mortgage was a dream come true, and the sunshine in that dream was Juan G.. This is not just a five-star review, it's a standing ovation for the exceptional service and guidance Juan provided throughout our entire home-buying journey.As foreign buyer, I was equal parts excited and terrified. Juan calmly and patiently walked me through every step, explaining complex terms in clear language and always taking the time to answer our endless questions. His knowledge of the mortgage landscape was impressive, and he offered tailored solutions that fit my unique needs and financial situation.Juan wasn't just a loan officer; he was our champion and cheerleader. He kept us informed every step of the way, celebrating our victories and reassuring me through any minor bumps. His proactive communication meant I never felt lost or in the dark, and he was always responsive and accessible, even after hours and on weekends.The entire Lending Bankers Mortgage team was fantastic, but Juan G. made the experience truly exceptional. He exceeded every expectation and turned the potentially stressful process of buying a home into a smooth, pleasant experience. We genuinely looked forward to each interaction with him, and his genuine enthusiasm for helping us achieve our dream was truly infectious.If you're looking for a mortgage lender who goes above and beyond, look no further than Lending Bankers Mortgage and ask for Juan G.. He's not just a mortgage expert; he's a home-buying hero!Thank you, Juan, for making dreams reality! You deserve all the stars in the sky and then some.Sincerely,A Happy customer (and lifelong friend of Juan G.!)P.S. If you're reading this David Otero, Lending Bankers Mortgage President, give Juan G. a raise! He's worth his weight in gold Thank you also David for supporting Juan G and getting this setup in good time for me!

Natalia A.

23:52 03 Jan 24

I am so happy with the assistance I received from Pamela Borrero throughout my mortgage process. Her expertise and dedication made the entire experience smooth and stress-free. If you're looking for someone reliable and efficient in the mortgage journey, I highly recommend her. Thank you for your support!

tjpaulino

17:41 29 Dec 23

I want to distinguish your agent Gabriel Corrientes, who deserve an A plus at your company. Gabriel was the pushing gas engine on my loan application and he made possible to close my case within the 14 days period. Thanks a lot Gabriel for all your assistance. Have a happy 2024.Also, my appreciation to Mr. David Otero, who from the beginning of negotiation, he and Mr. Gabriel introduce themselves and inspired me the trust to proceed with the loan.Yours,Tobias J. Paulino

Cristina M.

01:13 20 Dec 23

David , Gabriel and Nathaly gave me the requirements to save time even before passing the offer. They made a pre qualification so i knew already my capacity to borrow a property, also they offered me different programs that lenders have on market , and they chose the one that fixs my needs.Once pre approved the process for preparation the closing last just a few. The closing was very smooth all the funds came on time right 24 hours before. I really felt confidente and the Team worked fast, coordinated and accurate. I full recommend them.

karolina m

01:46 29 Nov 23

Lending Bankers Mortgage (Danny Perez and David Otero) was recommended by RPM Luxe Realty. From day one, Danny made me feel comfortable. I went through the pre-approval, approval, clearing to close, etc. processes with Danny figuratively holding my hand the entire time. There were times when I was literally crying because I was so frustrated and scared and Danny made me feel like everything would be okay. In general, I think RPM Luxe and Lending Bankers Mortgage make a great team. Danny is very relaxed and I’m not sure that he ever feels stressed, which is something unfamiliar to me. I think it’s because he has been doing this for quite some time.Additionally, Danny treats his clients like family. If anything is wrong, Danny takes it personally as though it was his own personal situation.If you are looking for 24/7 concierge service, Danny and David are your guys. After the Thanksgiving holiday, Danny was inflight and texting and emailing the entire time. I was grateful that American Airlines’ Wi-Fi was working so well.

jazmin C.

17:18 23 Oct 23

Rodrigo y David nos ayudaron de principio a fin y se aseguraron de contestar todas las preguntas que teníamos. Los recomiendo de corazón y volveremos a trabajar con ellos en la próxima casa que compremos.

Paula U.

21:40 17 Oct 23

Gracias Juan G y David por su asesoramiento y ayuda para poder concretar la compra de mi unidad! Todo fue muy simple y claro desde el comienzo.

Dorotea L.

15:04 17 Oct 23

Our experience with Danny Perez has been nothing short of PHENOMENAL. In a last-minute decision, we wanted to move our closing date up by two weeks, and Danny made it happen with absolute ease. The team is not only fantastic and responsive, but they also efficiently handle all queries and swiftly get everything organized. With Danny, what we anticipated to be a nerve-wracking experience turned out to be a breeze. A huge thank you to Danny and his team for their incredible assistance! We will undeniably come back for your top-notch services in the future!

Juan D. P.

14:28 17 Oct 23

Gracias Lending bankers por toda la ayuda, Excelente servicio y muy agradecido con David Otero y Gabriel quienes ayudaron a que todo el proceso fuera fácil y lograra la meta! 100% recomendados

Maurice

02:06 17 Oct 23

Thank you to David Otero and Gabriel Corriente for making the process as smooth as possible. I highly recommend working with them.

Leon Francois Properties L.

23:36 16 Oct 23

Everything was on schedule and on time. I highly recommend Dany he made our transaction as smooth as possible! Looking forward to working with Danny and the LB team again!

angela B.

16:42 16 Oct 23

Danny Perez was excellent, I highly recommended him.

Vanessa C.

16:33 16 Oct 23

I had the pleasure of working with Danny Perez. He is extremely helpful and professional. He answered all of questions throughout the process and made it so easy. Without hesitation, I would recommend their services to anyone seeking a mortgage professional.

Emmy R.

16:17 16 Oct 23

Danny was super helpful and easy to work with !

Juno P.

15:02 16 Oct 23

Danny Perez did a wonderful job with my clients and looking forward to working with again.

Obdulia S.

23:00 15 Oct 23

I am incredibly grateful to David Otero and Gabriel at Lending Bankers they have provided me with great assistance with my new mortgage. Their expertise, passion, and continuous support were critical in making the entire process run smoothly. They went above and above to ensure I understood every step and got the best possible offer. I definitely recommend David Otero and the team of Lending Bankers team to anyone in looking for a mortgage. Thank you so much for your exceptional service and professionalism throughout this process!

Paulina C.

00:14 16 Aug 23

I had the pleasure of working with Danny and David on a recent transaction. Their proactive approach, lightning-fast responses, and remarkable problem-solving abilities truly stood out. Without hesitation, I would recommend their services to anyone seeking a reliable and efficient mortgage professional.

Annia T

11:35 09 Aug 23

Lending Bankers is one of the Lending institutions you will not regret to work. All of them are very knowledgeable and helpful to make this stressful process better for their client. David Otero and Gabriel Corrente help me to find a good Mortgage for my transaction in 1 Week!! Amazing 👏!! Thanks a lot for all your assistance and for keep me posted in every step. I will recommend them 💯

Armando M.

14:09 08 Aug 23

Smooth process.Reliable.Assertive.Energy and intensity when it is needed.I will use them again for sure.

Alex D.

16:02 02 Aug 23

We called Danny one week before closing after our former lender backed out. From the jump Danny was on top of things and didn't stop until it was closed, even more, we closed a day early. Simply put, Danny can make it happen!

Michelle Coalla R.

18:29 01 Aug 23

Danny was great! Our client couldn't get funding from their lender last minute and Danny was able to close our client in less than a week! He really saved this deal. On top of that, he was so kind and always on top of everything to make sure we met the deadline.

Maximillian D.

17:59 01 Aug 23

Called Danny a week before closing and the man saved my deal and was professional all the way through can recommend

Jorge V.

21:00 27 Jul 23

GabrielTe estoy escribiendo para agradecerles con David por el trato que nos dieron en la ocasiónDel cierre de nuestra financiación para compra de departamento en el edificio Missoni BaiaNos sentimos muy a gusto les felicito y ojala mas adelante podamos hacer otro negocios.Muchas Gracias AbrazosJorge

Maria T.

21:03 22 Jul 23

Mariya and Gustavo are truly exceptional mortgage loan originators, and I cannot recommend them enough. Their commitment to providing top-notch service to their clients is second to none. Throughout my entire home buying process, they were patient, consistent, and always available to answer any questions I had. If you are looking for mortgage loan originators who are professional, knowledgeable, and simply the best, then look no further — they will not disappoint! Thanks so much again:)

Carlos R

18:52 20 Jul 23

Fantastic experience from Lending Bankers. From start to finish David and Rodrigo provided top notch service with their professionalism and attention to detail. 10/10!!!!

Andreina E.

00:06 20 Jul 23

Excellent and professional service, Danny and David have helped many of my clients obtain their home mortgages. I recommend them

Lucia Robles A.

13:52 17 Jul 23

David y Rodrigo nos dieron un servicio excepcional de principio a fin. Todo fue muy fácil y me sintieron sentir muy cómoda. Los recomiendo de corazón ya que son muy profesionales.

Luna A.

15:29 15 Jul 23

I would like to extend my sincere gratitude to Gustavo, Katherine and Mariya for the outstanding services they provided me during the purchase of my house. This is not the first time that Gustavo has assisted me in buying a property, and I can confidently say that he is an asset to the mortgage industry. His commitment to clients is truly remarkable. Despite the challenges that came up during the transaction, Gustavo and his team were always there to find quick solutions and work tirelessly towards a successful outcome. I have no hesitation in recommending them to anyone in need of a reliable mortgage professionals. Thank you!

jesus P.

14:11 10 Jul 23

Mariya & Gustavo, what I appreciate the most about you is your dedication to finding the best mortgage solution. Thank you for taking the time to understand my needs and goals, for working tirelessly, exploring all viable options until we've found the perfect fit. My sincerest gratitude to your expertise and knowledge, and yes! — we were able to secure an excellent interest rate, which ultimately led to a more favorable financial outcome for me.

One Luxury M.

19:16 06 Jul 23

I would highly recommend Pamela Borrero to anyone looking for a mortgage broker. Her expertise, professionalism and dedication to her clients make her a top choice in the industry. I am truly grateful for her assistance and the positive experience I had working with her.

Chris B.

19:10 05 Jul 23

Thank you guys for such a fast closing on the 2 acres I bought to develop my fourplex property. Nobody wanted to lend me the money without developer experience but you guys helped me partner up with the right GC that had all the necesary experience and now looking forward to the construction and the permanent loan after. Looking forward to many more developments in the near future.

Willy S.

19:45 04 Jul 23

Dear Lending Bankers team, I would like to thank you all for helping me purchase my multiunit investment property financing 85% of the purchase price with a great rate and record times, this was a very challenging transaction but you guys made miracles happen, will definitely recommend you to friends and family

Sam T.

02:51 04 Jul 23

David, thanks for helping me and my business partner acquire the space we needed. Your comparison analysis on payments, cash on cash returns and amazing fixed rate program helped us want to proceed on this deal and we're very happy we did. You are more than a financial advisor in the real estate arena, you have a great understanding on how to utilize real estate assets to build wealth and that's something I never before had help with. No realtor, or financial advisor I've encountered knew how to crunch the numbers and get the most value like you do. Forever gateful for your assistance and I will definitely refer my family and friends to you. Thanks again!

D A

16:44 03 Jul 23

As a foreign national taking on a mortgage for the first time in a different country, I felt apprehensive and concerned about navigating the process. However, my worries were alleviated thanks to the exceptional service provided by Gustavo and Mariya. Their in-depth knowledge of the mortgage industry, combined with their outstanding customer service, made my experience stress-free and seamless. I truly couldn't be more grateful for your guidance and expertise. Highly recommend - you guys are the best!

Duber B.

03:19 03 Jul 23

You guys always deliver, 4 years sending you all my clients and always finding a solution even to the most challenging cases, highly recommended to anyone looking for real professionals.

Alysia L.

23:46 28 Jun 23

I had an amazing and professional experience working with Mariya and Gustavo from Lending Bankers Mortgage! From the moment we began working together, they were very helpful and responsive to any questions or concerns my partner and myself had throughout our home buying experience. They are extremely knowledgable and made sure that we understood every step of the process so that we felt confident with our decisions. We were first time homebuyers (yes, we closed!), so it was great to have their support. We highly recommend them for anyone looking to finance in order to buy a home. Thanks to them and their team, we now have our amazing new home! Thank you Mariya and Gustavo!!

Ezequiel D.

04:16 28 Jun 23

Thanks Juan G. and David Otero for an excellent service. The loan process was very smooth and easy. They are in charge of my real estate portfolio. Highly recommended.

javier P.

17:50 27 Jun 23

I want to thank Danny Perez and David Otero for all their support, for their kindness and for being a great and very professional work team. Thanks for everything

G N

17:41 27 Jun 23

I would like to thank directly to Danny Perez and David Otero for their professionalism and support! It’s definitely a pleasure working with both of you, thanks again.

Gaetano Alessi J.

17:26 27 Jun 23

Im having an excellent experience working with Danny and his team! They’re helping me find and secure a mortgage that fits my budget. The staff is knowledgeable and responsive throughout the entire process, always answering my questions and addressing any concerns I have. They truly go above and beyond to ensure everything will go smoothly and I feel confident in my decision. I highly recommend them for anyone looking to buy a home or commercial property to secure financing. Looking forward to it, Thank You!

jessika P.

16:38 27 Jun 23

The best David Otero and Danny Pérez, reliable, safe and above all very efficient.

Michael L.

14:24 27 Jun 23

Amazing customer service attention to detail, highly recommend.

Manolo E.

13:20 27 Jun 23

Excellent service! Definitely will recommend Danny Perez and David otero to my friends and clients🙌🏼

Vladimir L. J.

13:04 27 Jun 23

I had the pleasure to work with Danny Perez and David Otero on my first real estate transaction. Let me tell you you I never felt more comfortable in my life until I rusted them to handle the mortgage of my property. They were super knowledgeable and easy to work with throughout the whole process from A to Z. I couldn’t be more grateful amd appreciated to them both. Thank you 🙏 for the amazing experience. You guys rock

Maz M.

13:00 27 Jun 23

Danny is incredible. Extremely passionate and gets the job done. Highly recommend him and his team.

Nicolas P.

12:59 27 Jun 23

Danny Perez and David Otero are great to trust and work 🔏😎

Idania B.

23:59 26 Jun 23

I owe a huge debt of gratitude to David Otero, Gabriel, and the entire Lending Bankers staff for their outstanding assistance and persistent focus during the loan application process. Although buying my first investment property in Miami as a foreigner looked intimidating, their knowledge and direction made the process easy. Their attention and expertise went above and beyond my expectations, ensuring that all of my concerns were swiftly addressed. In receiving the financing for my property, David's knowledge as a mortgage broker and Gabriel's assistance were crucial. They come highly recommended by me to anyone looking for a trustworthy business. I'd want to express my gratitude to David Otero, Gabriel, and the Lending Bankers team for realizing my dream of owning a Miami investment property.

Ybrahim G.

14:54 26 Jun 23

The great thing about working with Nathaly V and Gabriel was how they can LISTEN first to my needs and ideas, and then using their experience and network to provide me with multiple options, analysis, recommendations and save me TIME on the process of getting my investment property mortgage. Transparent and timely communication was impressive and how smooth the process was from beginning to closing. Fully recommended for getting a great deal and peace of mind in your investment.

gabriela V.

21:44 02 Jun 23

Gracias Juan Grieben!!! Me ayudaste desde el principio hasta el final a lograr el prestamo de construccion para mi empresa. Siempre fuiste muy claro y sincero. Eres ademas muy organizado y fue facil el camino con tu ayuda. Lending Bankers Mortgage es un aliado increible para mi y mi negocio.

Graciela R.

23:40 20 Apr 23

Durante todo el proceso, desde la evaluación inicial del caso hasta el cierre final, el apoyo recibido ha sido excelente. El trato ha sido profesional, siempre presentes para aclarar las dudas y obtener la guía necesaria para reunir con éxito los recaudos necesarios. Definitivamente Nathaly y Gabriel son los mejores en el área, altamente recomendados!

Melissa A.

14:35 01 Apr 23

Strong follow from the beginning with Danny Peréz was our agent plus David Otero focus in the other points on the transaction. Looking for to our next property deal. Thanks guys !

Luke F.

23:43 31 Mar 23

Danny has done a brilliant job. Hard working, always available and super efficient. Great experience and made the whole process super easy. Would reccomend!

Cheri S.

20:29 28 Mar 23

Working with Danny Perez was the best thing i could ever done. I am a widow and I was left to manage multiple properties when I lost my husband I had to use hard money lenders and my portfolio was really being drained by unfavorable loans. Danny perez fought to understand and manage ever aspect of my portfolio. I would text him at 5 am in the morning and on weekends he relentlessly facilitated my new mortgages. He is a man who lives by his word and fought to get me the lowest rates and safest mortgages as a family member would.I can’t speak highly enough about him. There are few lenders who would work the long and tedious tasks that he endured to help me.I hope one day I can repay him He is incredible in passion and his expertise is beyond any executive mortgage brokerCheri Surloff Phd Psyd

leslie R.

20:15 28 Mar 23

We had a great experience working with Danny Perez.He is very experienced in the negotiations and very meticulous with his paperwork.He can be reached 24/7 and never gives up until he has reached his goal. I look forward to working with Danny on many more investments.Absolute professional in everyway.RegardsLes. RANCE

Mauricio S.

21:45 28 Feb 23

Gabriel Corrente , de Lending Bankers , ha sido el profesional que hemos encontrado , desde nuestra llegada a los Estados Unidos, que mejor trato, mejor información, mejores opciones nos brindo durante nuestra financiación para la compra de vivienda. Como Latino , estamos acostumbrados a tener una relación cercana con quien nos va a dar o tramitar un crédito . Fuimos a muchos bancos y todos fueron muy impersonales , la diferencia estuvo en Gabriel Corrennte y Lending Bankers ya que nos llevo de la mano durante todo el proceso y nos dió la orientación necesaria para poder cumplir con todos y cada uno de los requisitos y tramite .Gracias Gabriel, Gracias Lending Bankers por se nuestro nuevos mejores amigos y asistente para créditos.MAURICIO Y MARIA DEL ROSARIO

Boris M.

14:45 24 Jan 23

Incredible, great opportunities, with Mr. Juan Grieben, if you want to buy a property, this is the right place

Franki Luis Reyes N.

16:18 19 Jan 23

Son muy eficientes y buenas trabajadoras Ana, Maria y Claudia

Marieva L.

15:11 19 Jan 23

Efficiency and responsibility. Ana, Claudia y María they advise the client very well.

ESTEFANY G.

Un explendido y excelente servicio de Ana, María y Claudia

michell N.

15:05 19 Jan 23

Excelente servicio y atención de parte de claudia, Ana y Maria

MULTY I.

15:01 19 Jan 23

EXTRAORDINARIO TRABAJO , ATENCION Y DEDICACIÓN A CADA EXPEDIENTE Y CASO . MUCHAS FELICITACIONES. ANA, MARIA Y CLAUDIA

yris H.

15:00 19 Jan 23

Excelente atención, de Claudia,Ana y María .

angelica R.

14:11 06 Dec 22

La eficiencia y calidad de servicio fue Excelente, hasta superar nuestras expectativas! El equipo competente y profesional de Ana, Maria y Claudia nos hicieron sentir siempre en confianza y seguros!

Orangel B.

23:46 03 Dec 22

Llegando de Colombia tuve la suerte de contar con el apoyo de Ana, Claudia y Maria. Excelente Feedback e increíble la velocidad con la que me atendieron todos mis requerimientos.Profesionales con un servicio de 5 estrellas.

Daniela L.

20:06 02 Dec 22

Gracias a Ana, Claudia y María son muy profesionales y eficientes, además que el trato es otro nivel, súper personalizado y amable. Las recomiendo cien por ciento!!

alfonsoRon V.

20:46 29 Nov 22

I never thought that I will found in one place the services that I need for my mortgage, and the property that I was looking for. Ana, Claudia and María the three of them, make the perfect team.

María de los Angeles C.

20:59 27 Nov 22

I loved the service offered by Claudia, Ana and Maria, they were recommended to me because I was looking to buy a vacation home to visit family that I have over there, and the result was better than expected, the best team, keep up the good work Girls!!!

Ricardo M.

21:41 24 Nov 22

I love the time and efford that Ana, Maria and Claudia, put to help me find the right property invesment suited for me, they were very quick and avaliable all the time for any issues or concern that I had about it, if you need any advice or help with a property this is the team you need to chose, excelent job !!!!!

Juan Sebastian P.

18:54 10 Nov 22

I would like to take this opportunity to thank Mariya and Gustavo for their help in purchasing my investment properties. They were both very supportive during the process, providing me with advice and guidance when I needed it. They also went above and beyond to make sure that everything went smoothly, and I am extremely grateful for their efforts. I would highly recommend their services to anyone who is looking to purchase a property, and I sincerely thank you guys for help. You are AWESOME!!!

Manuel M.

12:14 09 Nov 22

For me, the most important thing in the provision of a service is the availability to listen and understand what one wants, to quickly propose the different alternatives to what one is looking for and the clear support in the legal management to obtain the property, all of these qualities, they have: Ana, Claudia and Maria.They are an excellent team!

Aurora L.

11:24 02 Nov 22

Thank you, Ana, Claudia and Maria. Excellent care and very professional.They helped me at all times in the process of searching for and obtaining the mortgage for my new home. I recommend them, they answer all your questions and are pending at all times.

Josh D.

20:47 31 Oct 22

Great service!! Made it happen fast and at a great rate. Will surely work with Claudia again!

Sadhana S.

21:17 17 Oct 22

They are the best team. Working with Claudia, María and Ana has been a blessing experience. They are not only very professional, knowledgeable and efficient but the way the treat you at a personal level make this a very easy and relax process. I highly recommend them .

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