Refinance

Use this FREE self-help tool to determine exactly what type of refinance solution is best for you.

Highly Competitive rates

Our Commitment

We are providing our clients home loans with low rates and excellent service. We are specialized in more than 500+ loan programs to help people in need of mortgage loans, refinancing, and home equity lines of credit with perfect and imperfect situations. Whether you're a first time buyer looking for the most affordable option or a veteran homeowner looking to reduce your monthly payment, we provide professional consultation and free loan analysis with a guarantee to lower your payments.

Call Back

Our friendly and experienced loan analysts will respond to your home loan inquiries and provide you with the best and most suitable loan option according to your home loan needs. We always call our clients right away! We understand the complexity of your needs and urgency of your loan situation and therefore we don't waste any time in quoting and presenting you with a loan situation. An experienced and congenial loan representative will call you within 1 hour of submitting your initial online application provided you apply during prime business hours.

Closing Time

Need to close quickly? Require a definitive loan closing date? Not a problem. We have developed a unique system to close your loan plan in the shortest time possible and we offer a complete application with disclosure forms for you to download or e-mail us in the shortest time possible. In most cases it takes just a few days to close a loan. However, we do need your commitment to provide us with all the necessary information and documentation to complete the process at lighting speed.

CASH OUT REFINANCE

Occasionally, when refinancing a first trust, a borrower wants to obtain cash. They are able to do that by obtaining equity from their home. This means that a borrower can actually receive a check for an amount of money that meets those conditions. Cashing-Out is normally not limited to any type of loan program. If the value of the property is greater than the original loan, then cash may be obtained for the approximate difference. This approximate difference is the Cash Out Refinance amount.

Cash Out Refinance
Rate and Term Refinance

RATE AND TERM REFINANCE

This type of transaction is used to improve the terms of a specific mortgage; it could be to lower the rate, secure a longer fixed term, reduce the term of a loan, save money on a monthly payment or interest, eliminate escrow accounts, eliminate Mortgage insurance and many other possible reasons.

DOCUMENTS REQUIRED FOR A RESIDENTIAL LOAN MORTGAGE

1

Credit History

When you apply for a mortgage, we must access your credit report to know how credit worthy (or risky) you are as a borrower. Borrowers with high credit score are more likely to qualify for a larger loan, better loan options, and/or a more favorable interest rate . We’ll need your Social Security number and date of birth.

2

Your Property

  • Copy of signed sales contract including all parties
  • Verification of the deposit you placed on the home
  • Names, addresses and telephone numbers of all realtors, builders, insurance agents and attorneys involved
    Copy of Listing Sheet and legal description if available. You may also need to provide condominium declaration, by-laws and most recent budget, ....if the property is a condominium.
3

Proof of Income

To make sure that you are able to make your mortgage payments, we need to see proof that you have a source of income. Following documents are usually required:

  • Copies of your pay-stubs for the most recent 30-day period and year-to-date
  • Copies of your W-2 forms for the past two years – Your W-2 forms will help your lender verify that you are employed and will show your income ...history.
  • Names and addresses of all employers for the last two years
  • Letter explaining any gaps in employment in the past 2 years
  • Work visa or green card (copy front & back)

If self-employed or receive commission or bonus, interest/dividends, or rental income:

  • Provide complete tax returns for the last two years PLUS year-to-date Profit and Loss statement, * If you have filed an extension, please supply a ...copy of the extension.
  • K-1’s for all partnerships and S-Corporations for the last two years
  • Completed and signed Federal Partnership (1065) and/or Corporate Income Tax Returns (1120) including all schedules, statements and addenda ...for the last two years. (Required only if your ownership position is 25% or greater.)
4

If you will use Alimony or Child Support to qualify

  • Provide divorce decree/court order stating amount, as well as, proof of receipt of funds for last year
5

Source of Funds and Down Payment

To qualify for a mortgage, you need to be able to show that you have some money for the closing costs. Acceptable sources of funds may come from:

  • Sale of your existing home – provide a copy of the signed sales contract on your current residence and statement or listing agreement if unsold
  • Savings, checking or money market funds – provide copies of bank statements for the last 3 months
  • Stocks and bonds – provide copies of your statement from your broker or copies of certificates
  • Gifts – provide Gift Affidavit and proof of receipt of funds
  • Based on information appearing on your application and/or your credit report, you may be required to submit additional documentation.
6

Copy of Your Earnest Money Deposit

The earnest money deposit is a deposit made by a buyer towards the down payment in evidence of good faith when the purchase agreement is signed. You may be asked to provide a copy of the earnest money deposit.

7

Copy of Homeowners Insurance

Homeowner’s insurance is used to verify that you’ll have sufficient coverage on the property when getting a mortgage. It covers any damages that may affect the home’s value.

8

Debt or Obligations

  • Details of all current debts with copies of the last three monthly statements
  • Details of mortgage holders and/or landlords for the last two years
  • If you are paying alimony or child support, include marital settlement/court order stating the terms of the obligation

Let Us Help You with Your Mortgage Refinance

Once you've begun the loan process, our loan expert will let you know exactly what documentation you'll need to get approved. If you would like to learn more about the process of getting a home loan, contact us at (786) 220-1100. We look forward to working with you soon.

J R.
J R.
19:55 19 Sep 22
Gustavo is one of the most professional and hardworking mortgage brokers I have ever worked with. Not only he always answers the phone, but he is also extremely knowledgeable and has great... communication skills. The dedication he shows really sets him apart from other mortgage brokers. I'm grateful for the early exposure to updates that he was always giving me. Thank you for making my mortgage process fast and easy. I was a little worried at first, but your team (Katherine and Mariya) put me at ease and guided me through the process step-by-step. I appreciate all your help, and I'm glad that I chose your company to help me with this big purchase. Thank you again for everything!read more
Alberto A.
Alberto A.
20:22 18 Sep 22
I worked with Danny Perez during my loan process. Danny was extremely knowledgeable, professional and definitely someone you want to have on your corner! His attention toward me was first in class,... from regular updates, to timely emails, to finding quick solutions when situation arise! I invest in real estate across MIA and I not only found a lender, but an alia I can relay on. Danny Perez is not just a lender, but an extension of your business, whatever your business is (primary home, secondary home, investment property, etc.)Highly recommend Danny for all your lending needs!read more
Dylan G.
Dylan G.
02:44 16 Sep 22
As a real estate agent, I had the pleasure of working alongside Danny Perez here at Lending Bankers. Danny is an absolute shark, he first provided my client with multiple options for a loan on a... condo hotel. When my client chose an option, he immediately went to work to secure the loan from the bank for my client. He took on our file, which had many issues along the way, that were not Danny's fault. But, when running into issues, Danny called us immediately to keep us in the loop, then immediately found a solution. His communication with us was always spot on and he didn't mind bringing up bad news, which I respect. He earned our trust by doing this. He ended up getting my client approved for a loan after working night and day to overcome many obstacles. My client and I built an amazing relationship with Danny along the way and we will continue to come back to work only with him when shopping for a loan because we know Danny is a shark!!read more
connie C.
connie C.
20:42 14 Sep 22
I enjoyed working with Danny Perez. He was courteous, knowledgeable and amazingly responsive. I would recommend him and his company for anyone looking for a good mortgage broker.
Angela R.
Angela R.
19:59 11 Sep 22
Ive worked as a realtor in Miami area for many years. One of the issues we face is trusting the mortgage brokers to prioritize our transaction as much as we are. These ladies (Claudia, Ana & Maria)... always answer the phone, are extremely knowledgable and have great communication skills. The dedication really shows. I never have to reach out to them for updates. They take control of the transaction and its always a smooth ride. They specialize in just about all the tricky clients. Investors, foreigners, self employed, construction, etc.read more
julio B.
julio B.
16:02 11 Sep 22
For months I procrastinated on finding financing for the purchase of an investment property. Luckily I called this office and Maria Pirela took my call and introduced me to her amazing team.... Communication and attention to detail are their strongest asset. Maria, Claudia and Ana made my transaction run so smoothly, im more motivated to continue investing in real estate.read more
Zoe M.
Zoe M.
00:12 10 Sep 22
Ms. Salermo found me the lowest rate ive seen in this market. Maria took care of collecting my documents and Ms. Castano was always available for any questions I had. As an active real estate... investor, these are the people to call.read more
Lorenzo L.
Lorenzo L.
00:04 10 Sep 22
I thought I was never going to be able to qualify for a mortgage as my citizenship is in Brazil. Maria Pirela was very helpful during the document collection phase as I am not very organized with my... documents. Ana and Claudia made sure to give me a variety of rate options. Now I'm enjoying the gorgeous city of Miami. Thank You!!read more
Luis S.
Luis S.
23:23 09 Sep 22
Last week I had an excellent closing. All thanks to Claudia Castano, Maria Pirela and Ana Salermo my transaction closed in 29 days. Other lenders were having issues with my condos approval but they... told me this was their bread and butter. Will contact them for my next financing.read more
Rebeca de C.
Rebeca de C.
21:47 07 Sep 22
Nathaly Velazquez y Gabriel Corrente son los mejores para cualquier necesidad hipotecaria, su profesionalismo y compromiso para resolverte todo, es lo que me hicieron que confiara 100%. Así que los... recomiendo con los ojos cerrados.read more
Giuliana M.
Giuliana M.
21:31 07 Sep 22
Maria, Claudia and Ana walked me through my first purchase of my condo in Downtown Miami. Wasn’t able to get approved with any other bank but they found a program that allowed me to use my business’s... income instead of my tax returns. Even with my 3 hour time difference in California they still were able to be extremely responsive.read more
Graciela R.
Graciela R.
17:46 07 Sep 22
Quiero agradecer especialmente a Nathaly Velazquez y Gabriel Corrente, por su paciencia y especial atención muy profesional, una experiencia que sin duda la recomiendo 100%
Daniel Lugo L.
Daniel Lugo L.
17:08 07 Sep 22
Outstanding service and experience with Mrs Nathy Velasquez and Mr Gabriel Corrente. Very clear and professional… I would definitely recommend your services to my all friends.
Alex M.
Alex M.
01:30 07 Sep 22
My wife and I are first time buyers. The lending process at Lending Bankers Mortgage was so very well-organized and honestly ideal for our needs. My gratitude to Gustavo, Katherine and Mariya for... being so patient and supportive. Whenever we had questions, they were in contact 24/7 and made it very easy for us!read more
sara G.
sara G.
00:21 07 Sep 22
Brilliant Service! I would 100% recommend the use of Lending Bankers. I would like to specially thank Gustavo, Mariya and Katherine who kept me informed of the process at all times. I am really... grateful for the hard work and professionalism managing my mortgage application.read more
Gigliola O.
Gigliola O.
02:14 02 Sep 22
These ladies rock. Thank you Maria, Claudia and Ana for giving me support through my mortgage process. You made it seem very easy and gave me a lot of support considering it was my first home. As... you said now I need to work hard to pay this house and get a bigger one soon .read more
Monica Marie L
Monica Marie L
02:12 02 Sep 22
I worked with Lending Bankers when I purchased my very first investment property two years ago, it was a very positive experience! I knew barely anything about the process and was scared in the... beginning, but Gustavo provided me with all of the necessary information to answer all my questions and worked very deligently and thoroughly on my case. Not to mention the fact that I was not the easiest client as I changed the loan amount as well as the actual property quite late in the process. We just closed another file with him and Mariya and I could not be happier with the customer service! They are truly the best and I am forever a loyal client who highly recommends them! :)read more
Базелюк Д.
Базелюк Д.
18:42 01 Sep 22
I finally bought a house! Thanks to Mariya, Gustavo and Katherine, I am so happy, they are the ones who made it happen! Can't thank you enough! Very straightforward and knowledgeable mortgage... professionals, always responsive and patient, had all the answers to my endless questions lol. Highly recommend to anyone that is looking to buy a property, I will definitely be using their services again in the nearest future!read more
Mario A.
Mario A.
13:02 01 Sep 22
100 % recomendados, soy Agente de Real Estate y he tenido la oportunidad de trabajar con ellos en varias oportunidades, específicamente con Naty Velásquez y siempre he obtenido una excelente... atención además de una respuesta positiva, rápida y precisa a cada una de los casos planteados. 👏👏👏read more
Lúcia L.
Lúcia L.
03:17 30 Aug 22
Had an amazing experiemce with Danny Perez . Clearly knew what to do regardi g my issue
Jaime J.
Jaime J.
20:58 28 Aug 22
Working with Danny is the easiest and best decision you can make. He really cares about his clients and works hard on their file. Even if out of country, he would make the process go smoothly. Highly... recommend him and the company to any one.read more
Devin C.
Devin C.
14:43 28 Aug 22
Mr. Danny Perez carries himself with so much class, sophistication and professionalism. The knowledge that he possesses is impeccable and I trust that I am in AMAZING HANDS! He explains everything... in great detail and with such confidence, he is a force to be reckoned with in this industry. So grateful for the opportunity to do a lifetime of business with him! Thank you for everything Danny! 🏆read more
Nicole B.
Nicole B.
05:31 28 Aug 22
Danny Perez thank you so much for always answering my calls and getting back at me with helping my clients when they looking for help with their mortgage needs. Danny Perez with Lending Bankers cares... about what he does, he respects, treats , and takes cares of his clients with professionalism. Communication is such a key note in everything in life. Well , Let me tell you Danny Perez exceeds all this and more. He always goes above and beyond . Thank you 🙏 again for everything Danny. I can’t wait to do more business with youread more
Efrain M.
Efrain M.
22:09 27 Aug 22
Dani P. was amazing to work with! He was persistent with his communication and very helpful!
ST MEDIA G.
ST MEDIA G.
17:31 27 Aug 22
Great services! I really like the experience working with Danny Perez.
Monica N.
Monica N.
16:46 27 Aug 22
My experience with Danny Perez is by far more than 5 stars ⭐️. This gentleman is nothing but pure knowledge in the real estate and mortgage industry. He knows the business inside and... out. What I love about him is that every time I need to ask him advice for on a mortgage and real estate he is always on point; he knows how to structure the deal to the point that the banks get it approved .. you rock Danny P. I highly recommend Danny Perez with Lending Bankers to handle your mortgage needs!!read more
Estefanny C.
Estefanny C.
15:25 27 Aug 22
I’ve been working with Danny Perez and he’s the best. He gives his clients nothing but the best. What i love about him is that he compromises himself, like its for himself and that’s something you... don’t get that a lot these days. Very organized, works everything in a timely manner. God bless you Danny!read more
Ariel P.
Ariel P.
14:41 27 Aug 22
Our experience was exceptional with Lending Bankers Mortgage. Danny Perez was absolutely amazing. He was very professional, friendly, and attentive to all our needs. Anytime we had a question, he... would be right there to answer. We really appreciate his patience and eagerness to help us through the mortgage process.read more
FAST N.
FAST N.
14:09 27 Aug 22
Was a great experience working with Danny Perez.Everything went super smooth and I do not have any complain.I would completely recommend working with Lending Bankers after my experience with... Danny. Hope to work with you again in the near future.Thank you for making this an easy closing!Extremely happy !Gigiread more
Joao Miguel L.
Joao Miguel L.
13:40 27 Aug 22
I have used financing services all my life. Not one was a satisfying, clearly explained. I would go again and again with Danny Perez. Black on white always truthful
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