Miami Mortgage Help · NMLS #2260967
Buy · Refinance · Pre-Approval Free local guidance

Buy or Refinance in Miami
with the Right Mortgage

Get our free Miami First-Time Buyer’s Guide, then connect with a licensed local expert for pre-approval questions — whether you’re buying now or still researching. Refinancing? Call or apply anytime.

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NMLS #2260967 Miami-Dade · Broward · Palm Beach Prefer email? Ask a question →
100% FREE

Free First-Time Buyer’s Guide

Free educational PDF • No credit card required

Buying or researching? You’ll get our free first-time buyer PDF by email. Refinancing? Call, ask a question, or start pre-approval — the guide is purchase-focused.

By submitting this form, you agree to be contacted by phone and/or email by Mortgage AF LLC DBA Miami Mortgage Help regarding your mortgage inquiry. Message and data rates may apply. Your info is sent securely so our team can follow up. Free Guide requests also receive the PDF by email.

Annia Fonseca, licensed mortgage professional

Annia Fonseca

CEO · NMLS #1667245 · Local licensed guidance

Meet your specialist →
NMLS #2260967
Annia Fonseca · NMLS #1667245
Equal Housing Opportunity
Miami-Dade · Broward · Palm Beach Why local matters →
SIMPLE PROCESS

Get your free guide + expert help in 3 easy steps

1

Download the Guide

Get access to our free Miami Mortgage Guide for South Florida buyers and homeowners.

Loan types, down payment & assistance overview, pre-approval checklist, Miami-Dade closing cost categories, neighborhoods, and 30 lender questions.

2

Connect with a Licensed Expert

A Mortgage AF specialist will reach out to you within 24 hours.

They’ll answer your questions and guide you through the process.

3

Get Personalized Options

Receive tailored mortgage recommendations and pre-approval guidance — completely free and with no obligation.

Apply Now
LOAN TYPES WE OFFER

Loan Types We Offer

Flexible purchase and refinance options for South Florida buyers and homeowners — matched to your goals.

Purchase Loans

FHA, Conventional, VA, and Non-QM loans.

Whether it’s your first home or your next, we have flexible options for Miami buyers.

Learn more

Refinancing

Rate & Term or Cash-Out Refinance.

Lower your monthly payment or access your home’s equity.

Learn more

Pre-Approvals

Fast turnaround so you can make strong offers.

Know exactly what you qualify for before you shop.

Learn more

Condo Financing

Specialists in Miami condo and HOA approvals.

We know the local condo market and requirements.

Learn more
Start Your Free Pre-Approval →
LOCAL EXPERTISE

Areas We Serve

From Kendall and Hialeah to Pembroke Pines and Miramar — we help buyers and refinancers across Miami-Dade, Broward & Palm Beach.

High-volume markets

Kendall Hialeah Homestead Doral Cutler Bay Pembroke Pines Miramar Aventura

Coastal & urban markets

Miami Beach Brickell Coral Gables Wynwood Downtown Miami Coconut Grove Fort Lauderdale Boca Raton
Explore areas, map & loan fit

See price ranges, popular loan types, and neighborhood details.

REAL CLIENTS. REAL RESULTS.

What our clients say

"Thanks to Mortgage AF we were able to make our dreams come true of homeownership. Annia and her team’s hard work, transparency & constant communication was very much appreciated."

— Kim Rodriguez
Homebuyer · South Florida

"I can honestly say Annia and her team went above and beyond for me and my boyfriend! We closed on our 4 bedroom home on 5/16 all because of her hard work and determination!"

— Misti Dhaity
Purchase closing · South Florida

"Super professional, answered all my questions and shared great programs for my different types of clients. This team makes you feel right at home."

— Vanessa Urrego
Real estate professional referral

Work with a licensed local team — meet Annia Fonseca or call (305) 400-2771.

FREE RESOURCES

Helpful Tools for Buyers & Homeowners

Mortgage Calculator

Estimate your monthly payment instantly.

Open tool →

Affordability Quiz

See what price range you may qualify for.

Open tool →

Rent vs Buy Tool

Compare the real cost of renting vs buying.

Open tool →
View all free tools · Local mortgage guides
NOT READY TO APPLY?

Have a question first?

You don’t need to fill out a full application to get help. Call a licensed specialist, or send a quick question — we’ll respond within 24 hours.

  • What can I afford in Kendall, Hialeah, or Homestead?
  • Should I buy now or refinance my current rate?
  • Is this condo FHA-approvable?
Call (305) 400-2771 Email / Contact form

No pressure. No obligation. Licensed Miami Mortgage Help specialists only.

COMMON QUESTIONS

Questions buyers & homeowners ask us

Do I need perfect credit to get help?

No. We work with a range of credit profiles and loan programs (including FHA and other flexible options). A specialist can review your situation and explain realistic paths — without pressure.

How much do I need for a down payment?

It depends on the loan type. Some programs allow lower down payments (for example FHA often starts around 3.5% for qualified buyers). We’ll help you compare options for your price range and neighborhood.

How fast can I get pre-approved?

Many clients can start quickly once basic documents are ready (ID, income, assets). Timelines vary, but our goal is to move you forward with clear next steps — often the same day you connect with us.

Is the free guide really free? What’s the catch?

Yes — the Miami First-Time Buyer’s Guide is a free educational PDF. No credit card required. When you request it, you agree we may contact you about your mortgage questions. There’s no obligation to apply. Refinancing clients can still call, ask a question, or apply without needing the buyer guide.

Can you help if I want to refinance, not buy?

Absolutely. We help homeowners explore rate-and-term and cash-out refinance options. Tell us your goal (lower payment, shorter term, or cash out) and we’ll walk through what may fit.

Do you work in Kendall, Hialeah, Homestead, and Broward?

Yes. We serve buyers and homeowners across Miami-Dade, Broward, and Palm Beach — including high-volume areas like Kendall, Hialeah, Homestead, Doral, Cutler Bay, Pembroke Pines, and Miramar.

Are you a licensed broker?

Yes. Miami Mortgage Help is a licensed mortgage brokerage (NMLS #2260967). You can verify licensing on NMLS Consumer Access or our Licensing page.

Still unsure? Ask a question or call (305) 400-2771.

Ready to take the next step?

Get the free guide, ask a quick question, or start your application — your choice.

Ask a Question Apply Now

Or call (305) 400-2771 · Contact form

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