Credit Score Insights for Securing a Miami Mortgage Refinance

August 28, 2024 by Lending Bankers

Credit scores play a pivotal role in securing a Miami mortgage refinance, affecting everything from interest rates to loan approval. While platforms like Rocket Mortgage streamline the process, understanding the underwriting criteria for both residential and commercial property loans remains crucial. Your credit score serves as collateral, influencing the terms lenders offer and potentially saving you thousands over the life of your loan. In this article, we’ll explore the ins and outs of credit scores in Miami refinancing, providing valuable insights that even a JavaScript developer would appreciate. Keep reading to unlock the secrets of boosting your creditworthiness and securing the best refinance offers in the Magic City.

Understanding the Importance of Credit Scores in Miami Refinance

a person reviewing a credit report on a computer screen in a bright office in miami.

Your credit score plays a pivotal role when seeking a mortgage refinance in Miami. As a seasoned loan officer, I’ve seen how this three-digit number can significantly impact your finance options, including interest rates and loan terms. A strong credit score not only opens doors to better refinancing opportunities but also influences other aspects of homeownership, such as home insurance premiums. Understanding what lenders scrutinize in your credit report, how your score affects refinance rates, the average credit score needed for a Miami refinance, and ways to improve your score can make a substantial difference in your refinancing experience. By managing your debt wisely and maintaining a healthy credit profile, you’ll be better positioned to secure favorable refinancing terms.

What Lenders Look for in Your Credit Report

Lenders scrutinize your credit report for key indicators of financial responsibility when considering your Miami mortgage refinance application. They assess your payment history, looking for any late payments, foreclosures, or bankruptcies that might signal risk. Your income and debt-to-income ratio are crucial factors, as they demonstrate your ability to manage monthly payments, including the new refinanced mortgage’s annual percentage rate. Lenders also examine the types of credit you use, your credit utilization, and the length of your credit history, which can impact your eligibility for programs offered by entities like Freddie Mac. Be aware that recent credit inquiries, especially those related to advertising for new credit, may raise concerns about your financial stability.

How Your Credit Score Affects Your Refinance Rates

Your credit score significantly influences the interest rates offered for your Miami mortgage refinance. A higher score often leads to lower rates, potentially saving you a substantial percentage over the life of your loan. Lenders view a strong credit score as an indicator of responsible financial management, including timely payments on consumer debt, business obligations, and student loans. Maintaining open communication with creditors and addressing any issues promptly can help you secure more favorable refinance terms.

Average Credit Score Needed for a Miami Refinance

While credit score requirements can vary among lenders, the average score needed for a Miami refinance typically falls within the 620-680 range. Your knowledge of this benchmark can help you gauge your eligibility for refinance loans. Keep in mind that higher scores may qualify you for better interest rates and potentially lower fees. If you’re carrying credit card debt or have a history of late payments, it’s crucial to address these issues before applying. Many lenders now offer online banking tools to help you monitor your credit score and track your progress as you work to improve it.

Assess your current credit score
Understand lender requirements
Address outstanding debts
Utilize online banking tools
Work on improving your score if needed

Ways to Improve Your Score Before Applying

Improve your credit score before applying for a Miami mortgage refinance by focusing on key factors that impact your creditworthiness. Pay down existing debts, especially high-interest credit card balances, to lower your credit utilization ratio and demonstrate responsible financial management to potential lenders. Review your credit report for any errors or outdated information, and dispute inaccuracies with the credit bureaus to ensure your report reflects your true financial standing. Consider requesting a rapid rescore through your mortgage lender if you’ve made significant improvements to your credit profile, as this can potentially boost your score quickly and help you qualify for better refinance terms, including lower escrow requirements and more favorable asset verification processes aligned with Fannie Mae guidelines.

Step-by-Step Guide to Boost Your Credit for Miami Mortgage Refinance

person reviewing their credit report on a laptop while sitting at a desk.

Boosting your credit score is a crucial step in securing a favorable Miami mortgage refinance. By focusing on key factors that impact your credit reputation, you can improve your chances of qualifying for better terms and potentially save on discount points. Begin by thoroughly reviewing your credit report for errors, as inaccuracies can unfairly lower your score. Next, work on reducing your debt-to-income ratio, which lenders consider when evaluating your creditworthiness. Implementing strategies to lower your credit utilization, particularly on credit cards, can significantly impact your score. Finally, consistently making timely payments on all your financial obligations will demonstrate reliability to lenders and help build a strong credit foundation. By addressing these areas, you’ll be better positioned to navigate the cons of refinancing and secure a more advantageous mortgage deal.

Review Your Credit Report for Errors

Begin your credit improvement journey by meticulously reviewing your credit report for errors. Request free copies from major credit bureaus and scrutinize them for inaccuracies in personal information, account details, and payment histories. Promptly dispute any errors you find with the relevant financial institutions and credit reporting agencies, as correcting these mistakes can lead to significant improvements in your credit score. This process not only enhances your chances of securing a favorable Miami mortgage refinance but also ensures compliance with financial regulations while potentially saving you money in the long run.

Step	Action	Potential Impact
1	Request credit reports	Access to complete financial picture
2	Review for errors	Identify inaccuracies affecting score
3	Dispute inaccuracies	Correct false information
4	Follow up with agencies	Ensure errors are resolved
5	Monitor credit regularly	Maintain accuracy and track improvements

Tips on Reducing Debt-to-Income Ratio

Reduce your debt-to-income ratio to improve your chances of securing a favorable Miami mortgage refinance. Focus on paying down high-interest debts and consider consolidating loans to lower your monthly expenses. Review your bank statements to identify areas where you can cut costs, and explore options for increasing your income. If you have a second mortgage, prioritize paying it off to enhance your financial profile. Remember that lenders scrutinize your debt-to-income ratio as part of their underwriting process, so lowering this ratio can significantly impact the terms and price of your refinance offer:

Strategy	Impact on Debt-to-Income Ratio	Benefit for Refinancing
Pay off high-interest debts	Decreases monthly obligations	Improves loan eligibility
Consolidate loans	Simplifies payments, may lower interest	Shows responsible debt management
Increase income	Improves ratio without reducing debt	Demonstrates higher repayment capacity
Pay off second mortgage	Reduces overall debt burden	Enhances financial profile for lenders

Strategies for Lowering Credit Utilization

Lower your credit utilization to boost your chances of securing a favorable Miami mortgage refinance. Pay down credit card balances with cash or consider a balance transfer to reduce high-interest debt. If you’re planning a home renovation, consult a mortgage broker about refinancing options that could provide funds for improvements while potentially lowering your overall credit utilization. Remember that responsible use of credit can positively impact your refinancing terms and may even offer tax benefits, so maintain open communication with your lender throughout the process.

Importance of Timely Payments

Consistently making timely payments is crucial for maintaining a strong credit score and securing favorable terms for your Miami home refinance. Late payments can lead to default, negatively impacting your creditworthiness and potentially disqualifying you from Federal Housing Administration (FHA) loans or other mortgage options. By prioritizing on-time payments, you demonstrate financial responsibility to lenders, which can help you avoid costly mortgage insurance premiums and potentially qualify for better refinance rates. This practice is especially important if you’re considering a reverse mortgage, as lenders will scrutinize your payment history closely:

Payment Behavior	Impact on Credit	Refinance Implications
On-time payments	Positive credit history	Better loan terms
Late payments	Credit score decrease	Higher interest rates
Missed payments	Severe credit damage	Potential loan denial
Consistent timeliness	Improved creditworthiness	More refinance options

Comparing Miami Mortgage Refinance Offers With Different Credit Scores

a person comparing mortgage offers on a laptop in a bright and modern office setting in miami.

Your credit score significantly influences the refinance offers you’ll receive in Miami’s competitive mortgage market. As you navigate through various options, you’ll notice how different credit tiers can affect interest rates, loan terms, and even your ability to tap into home equity. With inflation impacting the economy, securing favorable refinance terms becomes crucial for managing your long-term financial health. Whether you’re considering a traditional refinance or exploring a home equity line of credit, understanding how lenders view your creditworthiness is essential. Expert insights can help you interpret offers, negotiate better terms, and make informed decisions about your mortgage refinance, potentially saving you thousands over the life of your loan. Remember, your credit score is just one factor in the refinance equation, but it’s a powerful tool that can significantly influence your monthly payment and overall loan costs.

Impact of High Credit Scores on Refinance Offers

High credit scores significantly enhance your refinance options in Miami’s competitive mortgage market. You’re more likely to qualify for attractive interest rates on various loan products, including conventional mortgage loans, lines of credit, and VA loans. Lenders view your high score as a testament to your financial responsibility, potentially streamlining processes like title searches and underwriting:

Access to lower interest rates
Increased likelihood of loan approval
More flexible loan terms
Reduced fees and closing costs
Faster approval process

Options Available for Lower Credit Scores

Even with a lower credit score, you can still explore refinance options in Miami’s real estate market. Consider government-backed programs like FHA loans, which often have more lenient credit requirements. If you’re struggling with multiple debts, a cash-out refinance for debt consolidation might be a viable solution, helping you improve your debt-to-income ratio and potentially qualify for better terms in the future. Consult with a mortgage professional who specializes in credit management to explore tailored solutions that fit your unique financial situation, including options that may be available in neighboring states.

Negotiating Better Terms With Lenders

Negotiate better terms with lenders by leveraging your credit score and financial history when seeking a Miami mortgage refinance. Demonstrate your creditworthiness by presenting a strong credit report, steady income, and low debt-to-income ratio, which can help you qualify for a conforming loan with favorable rates. Consider exploring options with credit unions, as they often offer competitive rates and more personalized service. If you’ve recently gone through a divorce, be prepared to explain any financial changes and how you’ve maintained your credit standing. For those with less-than-ideal credit, attending credit counseling sessions can show lenders your commitment to improving your financial situation, potentially leading to better mortgage terms.

How Credit Score Changes Affect Miami Refinance Approval

a person looking stressed as they review their credit report in front of a computer screen.

Your credit score’s impact on Miami mortgage refinance approval can’t be overstated. As a consumer navigating the complex world of home financing, you must understand how even small changes in your credit score can affect your refinance options. Lenders in Brickell and throughout Miami scrutinize these scores carefully, using them as a key indicator of your financial reliability. The Consumer Financial Protection Bureau emphasizes the importance of maintaining good credit health, especially when seeking to refinance your home. Whether you’re looking for quick ways to boost your score, developing long-term credit strategies, or managing score fluctuations during the application process, your approach can significantly influence your refinance approval and terms. Let’s explore effective tactics to enhance your creditworthiness and secure the best possible refinance deal in Miami’s competitive market.

Short-Term Tactics to Spike Your Credit Score

Boost your credit score quickly to improve your chances of securing a favorable Miami mortgage refinance. Pay down high-interest credit card balances and request credit limit increases to lower your credit utilization ratio. Consider becoming an authorized user on a family member’s well-established credit card account to benefit from their positive payment history. These tactics can potentially raise your score within a few weeks, impacting your loan origination process and the interest rates offered on your refinance contract:

Tactic	Timeframe	Potential Impact
Pay down credit card balances	1-2 months	Lower credit utilization
Request credit limit increases	Immediate to 1 month	Improved credit-to-debt ratio
Become authorized user	1-2 billing cycles	Benefit from positive history
Rapid rescoring	3-5 business days	Quick score update

Long-Term Credit Health Strategies

Develop long-term credit health strategies to maintain a strong credit profile for future Miami mortgage refinance opportunities. Consistently make timely payments on all your debts, including your property tax and flood insurance premiums, to demonstrate financial responsibility. Consider leveraging your home’s equity through cash-out refinancing to consolidate high-interest debts, potentially improving your credit utilization ratio over time. Stay proactive in managing your credit by regularly reviewing your reports and addressing any discrepancies promptly with lenders’ customer service departments.

Dealing With Credit Score Fluctuations During Application Process

Credit score fluctuations during your Miami mortgage refinance application process can be nerve-wracking, but understanding their impact is crucial. Your broker can help you navigate these changes, especially if you’re considering a home equity loan or exploring options in neighboring states like Connecticut. If your credit history shows recent improvements, emphasize this to lenders during the home refinancing process. Remember that minor fluctuations are normal, but significant drops may require explanation:

Credit Score Change	Potential Impact	Recommended Action
+/- 20 points	Minimal effect	Continue application process
+/- 50 points	May affect rates	Discuss with lender
+/- 100 points	Significant impact	Reassess application timing

Common Credit Score Myths Debunked for Miami Refinance Applicants

a couple reviewing their credit scores on a laptop while discussing miami mortgage refinance options.

In the competitive Miami mortgage refinance market, understanding your credit score is crucial for securing favorable terms. Many applicants fall prey to common misconceptions about credit scores, which can hinder their ability to obtain the best refinance rates and insurance options, including title insurance. By dispelling these myths and examining the data behind credit scoring, you can better navigate the refinance process and potentially save thousands over the life of your loan. Let’s explore some prevalent credit score myths and uncover the truths that can help you make informed decisions when applying for a mortgage refinance in Miami.

Myth vs. Reality: Checking Credit Lowers Your Score

Contrary to popular belief, checking your own credit score doesn’t lower it. This myth often deters Miami mortgage refinance applicants from monitoring their credit health. In reality, when you check your credit through authorized channels or your lender’s website, it’s considered a “soft inquiry” and doesn’t impact your score. Understanding this fact empowers you to stay informed about your creditworthiness, whether you’re refinancing a condominium or seeking funds for home improvement projects. Regular credit checks can help you spot errors and track your progress as you work to improve your score for better miami mortgage and mortgage refinancing terms:

Soft inquiries don’t affect credit scores
Regular monitoring helps detect errors
Staying informed aids in credit improvement
Empowers better refinancing decisions
Helps track progress towards financial goals

The Truth About Credit Score Ranges and Refinance Rates

Understanding credit score ranges is crucial for securing favorable Miami mortgage refinance rates. Your score directly impacts the interest rates and terms lenders offer, potentially saving you money over the length of your loan. As a customer seeking to refinance, you’ll find that higher credit scores typically enable access to better rates, while lower scores may result in less favorable terms or even loan denials. Remember, your credit score is just one factor lenders consider alongside your income, employment history, and debt-to-income ratio when determining your refinance options.

How Length of Credit History Really Affects Your Score

Your credit history’s length significantly impacts your credit score and plays a crucial role in securing a Miami mortgage refinance. Lenders view a longer credit history as a sign of lower risk, potentially improving your chances of realizing your refinancing dream. While veterans may benefit from specialized loan programs, all applicants should be aware that the Federal Reserve’s policies can influence market rates, making it essential to maintain a solid, long-standing credit profile to secure the most favorable terms.

Expert Tips for Maintaining a Healthy Credit Score Post-Refinance

a person checking their credit score on a computer.

After successfully refinancing your Miami mortgage, maintaining a healthy credit score becomes crucial for future financial opportunities. Your newfound financial standing may open doors to various options, from exploring jumbo mortgages to working with a real estate agent on investment properties. However, it’s essential to adopt smart financial habits, regularly monitor your credit score, and know how to rebuild credit if you face challenges. By understanding how interest rates and points impact your refinance, you’ll be better equipped to make informed decisions that protect your credit health. Let’s explore expert strategies to keep your credit score robust in the dynamic Miami real estate market.

Smart Financial Habits to Adopt After Refinancing

After securing your refinance loan in Miami, adopt smart financial habits to maintain and build your credit score. Use your improved financial position to strategically leverage home equity for wealth-building opportunities, but avoid overextending yourself with new credit cards or unnecessary debt. Stay vigilant about your florida mortgage payments and continue to monitor your credit report regularly to ensure your refinancing efforts translate into long-term financial stability.

Monitoring Your Credit Score Regularly

Regularly monitor your credit score to maintain a strong financial position in Miami’s competitive mortgage market. Set up alerts with credit monitoring services to stay informed about any changes that could affect your home loan eligibility or refinancing options. By keeping a close eye on your credit, you’ll be better prepared for future negotiations with mortgage lenders, whether you’re planning another refinance or considering a new property purchase that requires a substantial down payment:

Set up credit monitoring alerts
Review your credit report monthly
Address any discrepancies promptly
Track changes in your credit utilization
Stay informed about factors affecting your score

Rebuilding Credit After Refinancing Challenges

Rebuilding your credit after facing refinancing challenges requires a strategic approach to your finances. Focus on making timely payments on your refinanced mortgage and other debts, as this will gradually improve your credit score. Consider diversifying your investment portfolio by exploring rental property opportunities, which can provide additional income streams to offset refinancing costs and strengthen your overall financial position.

Refinancing in Miami FL

Your credit score plays a pivotal role in securing favorable terms for a Miami mortgage refinance, influencing interest rates, loan options, and overall approval chances. Understanding what lenders look for in your credit report, how your score affects refinance rates, and the average credit score needed for a Miami refinance empowers you to make informed decisions and potentially save thousands over the life of your loan. By implementing strategies to improve your credit score, such as reducing debt-to-income ratio, lowering credit utilization, and making timely payments, you can enhance your refinancing prospects and negotiate better terms with lenders. Regular credit monitoring, dispelling common myths, and adopting smart financial habits post-refinance will help you maintain a healthy credit score, ensuring continued financial stability and future opportunities in Miami’s dynamic real estate market. Please give us a call at (786) 220-1100 to schedule your mortgage consultation.

Guide to Miami Home Loans: Find Your Path to Homeownership

August 27, 2024 by Lending Bankers

Miami’s vibrant real estate market offers numerous opportunities for homebuyers seeking their dream property. Whether you’re a first-time homebuyer or looking to upgrade, navigating the world of home loans can be complex. Fortunately, modern technology has simplified the process, allowing you to explore loan options through user-friendly mobile apps or web browsers. In this article, we’ll guide you through the essential aspects of Miami home loans, helping you find the perfect financing option for your unique situation. Keep reading to discover valuable insights that will empower you on your path to homeownership in the Magic City.

Apply for First-Time Homebuyer Program

a young couple reviewing paperwork with a smiling real estate agent at a sleek modern office.

Miami’s first-time homebuyer programs offer a pathway to homeownership, providing opportunities to build wealth through real estate. These initiatives, often supported by Fannie Mae and Freddie Mac, help combat limited housing inventory by making Miami mortgage loans more accessible. Before applying, you’ll need to understand the income eligibility requirements, program criteria, and loan terms. This knowledge will help you navigate the application process and determine which program best suits your financial situation.

Down Payment Assistance Income Eligibility Chart

To determine your eligibility for down payment assistance in Miami, consult the income eligibility chart specific to south Florida. This chart outlines the maximum household income limits based on family size, helping you assess if you qualify for these programs. As a customer seeking mortgage rates in Miami, FL, you’ll find that these charts often factor in property tax and local statistics to ensure fair distribution of assistance funds.

Requirements

To qualify for Miami’s first-time homebuyer programs, you must meet specific requirements. These typically include income limits based on your household size, a valid email address for communication, and proof of residency in Miami or nearby areas with access to public transport. You should also complete a homebuyer education course to understand the real estate market and mortgage process better.

Loan Terms

Miami’s first-time homebuyer programs offer diverse loan terms to enable community members to achieve homeownership. A mortgage broker Miami can help you navigate these options, connecting you with lenders who provide favorable interest rates, flexible repayment schedules, and reduced down payment requirements. These tailored loan terms often allow you to borrow more money while maintaining affordable monthly payments, making homeownership more accessible in Miami’s competitive real estate market.

Interest Rates for Miami Home Loans

a person comparing interest rates on a computer screen with various loan options displayed.

Miami home loan interest rates fluctuate based on various factors, including market conditions and your financial profile. You’ll find competitive rates for conventional mortgages, FHA loans, and even specialized options like home equity lines of credit. Understanding these rates is crucial for making informed decisions about your home ownership journey.

When comparing rates, consider the annual percentage rate (APR) alongside the interest rate to get a full picture of your loan costs. The APR includes fees and other charges associated with the loan, providing a more comprehensive view of your potential expenses. Bridge loans and other short-term financing options may have higher rates but offer flexibility during transitions.

Your credit score plays a significant role in determining the interest rate you’ll qualify for. Improving your credit score by paying down credit cards and other debts can help you secure better rates. Here’s a general overview of how different factors affect your interest rate:

Credit score: Higher scores typically lead to lower rates
Down payment: Larger down payments may result in better rates
Loan term: Shorter terms often have lower rates but higher monthly payments
Loan type: Conventional loans may offer lower rates than government-backed options
Market conditions: Overall economic factors influence rate trends

Criteria for Qualifying for Miami Home Loans

a person sitting at a desk with financial documents and a calculator, looking focused and thoughtful.

To qualify for Miami home loans, you must meet specific criteria set by lenders during the underwriting process. Your credit score, income, and debt-to-income ratio play crucial roles in determining your eligibility for a mortgage. Lenders will also assess your employment history and financial stability to ensure you can meet the loan obligations.

When applying for a condominium loan in Miami, you may face additional requirements compared to single-family home mortgages. Lenders often scrutinize the condo association’s finances and insurance coverage. You might need to provide a larger down payment or have a higher credit score for condo loans, depending on the property’s characteristics.

If you’re considering alternative financing options, such as cash purchases or business loans for real estate investments, different criteria may apply. Cash buyers often have an advantage in competitive markets, while business loans for real estate typically require a solid business plan and proven track record. Understanding these various qualification criteria will help you navigate the Miami home loan landscape more effectively.

Find HUD Approved Agencies in Miami

a group of people sitting around a table in a modern office, discussing home buying options with hud-approved agency representatives.

HUD-approved agencies in Miami offer valuable resources for navigating the home buying process. These organizations provide guidance on down payment assistance programs, market trends, and loan options tailored to your unique situation. By working with a HUD-approved agency, you gain access to expert advice that can help you interpret census data and local market conditions. Whether you’re forming an LLC for real estate investment or seeking to secure your first home, these agencies can assist you in creating a strong password-protected account to track your application progress. Remember, funds for many assistance programs are limited, so acting promptly is crucial.

Application Is Open Until Funds Are Depleted

You need to act swiftly when applying for Miami home loan programs, as funds are often depleted quickly. The National Association of Realtors reports that housing prices in Miami continue to rise, making these assistance programs crucial for many homebuyers. Work with a reputable mortgage lender to navigate the application process efficiently, ensuring you don’t miss out on potential finance opportunities. Remember, these programs can significantly impact your income tax situation, potentially providing additional benefits beyond the initial home purchase assistance.

Housing Income Limits in Miami

a family viewing a luxury miami home with a real estate agent, discussing income limits for housing loans.

You need to understand Miami’s housing income limits when seeking a home loan. These limits determine your eligibility for various mortgage programs and assistance options. Lenders use this information to assess your ability to afford a property and qualify for a jumbo mortgage if necessary.

Your income plays a crucial role in the loan application process. Mortgage brokers in Miami can help you navigate these limits and find suitable loan options. They can also provide guidance on how mobile banking and debit card usage might affect your financial profile during the underwriting process.

Property values in Miami vary widely, impacting the income limits for different areas. You should research specific neighborhood limits to ensure you’re looking at homes within your qualifying range. Remember, staying informed about these limits can help you make better decisions about your home purchase and mortgage options.

Homeownership Preservation Program in Miami

a homeowner in miami receiving financial counseling and support through the homeownership preservation program.

Miami’s Homeownership Preservation Program offers vital support to help you maintain your mortgage Miami and stay in your home during financial hardships. This initiative provides assistance with mortgage payments, property taxes, and insurance, ensuring you can protect your most valuable collateral – your home.

You can access various resources through this program, including financial counseling and potential loan modifications. In some cases, you might qualify for a line of credit to cover essential home repairs, helping you preserve your property’s value in sought-after areas like Coconut Grove.

To participate in the Homeownership Preservation Program, you’ll need to meet specific eligibility criteria and demonstrate a genuine need for assistance. Working with a local mortgage professional can help you navigate the application process and explore all available options to keep your Miami home secure.

Apply for Single Family Rehabilitation/Replacement (Low-Income) in Miami

a group of low-income homeowners meeting with a contractor to discuss repairs and renovations for their properties in miami.

You can apply for the Single Family Rehabilitation/Replacement program in Miami if you’re a low-income homeowner seeking to improve your property. This program offers financial assistance for essential repairs and renovations, potentially increasing your home equity and protecting your investment. Consult with a mortgage broker in Miami, Florida to understand how this program might affect your existing mortgage or insurance coverage.

The application process requires you to provide documentation of your income, property ownership, and the necessary repairs. You’ll need to meet specific eligibility criteria, including income limits and property condition standards. A professional assessment of your home’s rehabilitation needs will help determine if you qualify for replacement rather than repair.

Consider how this program might impact your long-term financial plans, including potential refinancing options. By improving your home’s condition and value, you may open up new opportunities for better mortgage terms in the future. Remember to factor in any changes to your insurance needs as you upgrade your property through this program.

Secure a Home Loan in Miami

Miami home loans provide a vital pathway to homeownership, offering diverse options for first-time buyers and those seeking to improve their living situations. Understanding the various programs, eligibility criteria, and loan terms empowers you to make informed decisions about your housing future. By leveraging resources like HUD-approved agencies, down payment assistance, and preservation programs, you can navigate the complex Miami real estate market more effectively. Ultimately, securing the right home loan in Miami not only helps you achieve your dream of homeownership but also contributes to long-term financial stability and wealth building. Lending Bankers Mortgage could assist you. Please give us a call at (786) 220-1100 to schedule your mortgage consultation.

Celebrating Over 20 Years as a Top Mortgage Broker in Miami

August 27, 2024 by Lending Bankers

2024 marks a major milestone for Lending Bankers Mortgage. As of this April, we celebrated our 20^th anniversary in business. Over that time, we have helped countless homebuyers and homeowners throughout Miami and the state of Florida to achieve their dreams of homeownership.

We have also matched numerous customers with loans to buy or build commercial real estate, purchase investment properties, buy vacant land to develop, and more.

20 Years of Service and Expertise

Lending Bankers Mortgage is based in Miami, and works with customers shopping for residential and commercial real estate throughout FL. We are members of the National Association of Mortgage Professionals, as well as the Florida Association of Mortgage Professionals. Our company has been recognized as one of the top mortgage brokers in the region multiple times by Expertise.com.

Our Services

One of the advantages of over 20 years of experience is that our team can handle a wide range of mortgages and loans. Along with common types of home loans such as conventional loans, jumbo loans, FHA loans, and VA loans, we also offer specialty products such as no income loans, foreign national loans, condotel loans, and fix and flip loans.

In addition, we offer common commercial loan products, such as multi-family loans, retail loans and construction loans. But we also offer specialty products you will not find just anywhere, like energy and aviation financing.

Our Network of Lenders

The two decades we have spent working with customers throughout FL has also given us the chance to network with many other area professionals.

As a result, we have been able to build a huge network of lenders. That network is one of the reasons we are able to connect homebuyers, investors and commercial developers with so many different loan types. But it also allows us to bring you competitive rates, including special deals.

In addition, we can connect you with other professionals who can assist you with different aspects of the purchase process. We can also help you navigate FL’s competitive real estate markets. Having had a chance to watch those markets evolve, we are adept at helping you capitalize on opportunities and avoid pitfalls. We also help you close fast so you can get in ahead of competing buyers.

Buy a Home or Refinance in Florida

Through our 20 years of helping homebuyers and investors realize their goals in FL, we have had the opportunity to build many rewarding relationships. When you work with us, we provide you with long-term support. We will be here for you not just today, but through the remainder of your loan term.

If you are ready to find out how we can help you maximize your return on your investment in commercial or residential real estate, please give us a call at (786) 220-1100 to schedule your mortgage consultation. We can help you find a competitive loan so you can achieve your real estate goals. Find out what has made us one of FL’s top mortgage companies for 20 years.

See What Our Clients Are Saying About Us!

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Melanie T.

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.

Adrián B.

21:51 22 Jul 24

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.

José P.

22:14 10 Jul 24

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 !!

Angel Vivas V.

00:30 25 Jun 24

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.

21:18 24 Jun 24

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.

CAL C.

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 !!!⭐️⭐️⭐️⭐️⭐️

Afshan K.

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

Cristhian B.

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!

Marisol

15:56 24 Apr 24

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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