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.
Free educational PDF • No credit card required
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.
A Mortgage AF specialist will reach out to you within 24 hours.
They’ll answer your questions and guide you through the process.
Receive tailored mortgage recommendations and pre-approval guidance — completely free and with no obligation.
FHA, Conventional, VA, and Non-QM loans.
Whether it’s your first home or your next, we have flexible options for Miami buyers.
Rate & Term or Cash-Out Refinance.
Lower your monthly payment or access your home’s equity.
Fast turnaround so you can make strong offers.
Know exactly what you qualify for before you shop.
Specialists in Miami condo and HOA approvals.
We know the local condo market and requirements.
From Kendall and Hialeah to Pembroke Pines and Miramar — we help buyers and refinancers across Miami-Dade, Broward & Palm Beach.
High-volume markets
Coastal & urban markets
See price ranges, popular loan types, and neighborhood details.
"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."
"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!"
"Super professional, answered all my questions and shared great programs for my different types of clients. This team makes you feel right at home."
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.
No pressure. No obligation. Licensed Mortgage AF specialists only.
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.
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.
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.
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.
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.
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.
Yes. Mortgage AF LLC (NMLS #2260967) DBA Miami Mortgage Help is a licensed mortgage broker. You can verify licensing on NMLS Consumer Access or our Licensing page.
Still unsure? Ask a question or call (305) 400-2771.
Get the free guide, ask a quick question, or start your application — your choice.
Or call (305) 400-2771 · Contact form