Whether you're a first-time buyer or moving up, get matched with flexible financing options.
Low 3.5% down payment, great for lower credit scores.
Ideal for first-time buyers in South Florida.
Best rates for strong credit, flexible terms.
Popular choice for move-up buyers in Miami.
No down payment for eligible veterans & service members.
One of the best benefits available to military families.
For self-employed, investors, or unique situations.
Flexible options when traditional loans don't fit.
Estimate your monthly payment for a home in South Florida
Get pre-approved quickly so you can shop with confidence.
We know the South Florida market and local requirements.
Access to top lenders and the best available programs.
"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. We closed on our 4 bedroom home on 5/16 all because of her hard work and determination!"
Most FHA lenders in South Florida accept a minimum credit score of 580 with 3.5% down, or 500–579 with 10% down.
Conventional loans typically require 3% to 20% down. Many Miami buyers qualify with just 3–5% down with good credit.
Yes. Eligible veterans, active-duty service members, and surviving spouses can purchase a home in Miami with 0% down through the VA loan program.
Non-QM loans are designed for self-employed borrowers, real estate investors, or those with unique income situations who don’t qualify for traditional loans.
Most pre-approvals can be completed within 24–48 hours when you work with our team.
Apply, ask a question, or start with the free guide — your choice.
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