Miami and Fort Lauderdale, Florida
Mortgage Company in Miami and Fort Lauderdale
- 100+ lenders, one application
- Condo reviews done early
- No credit pull to start
South Florida buying often means a condo building review, a high insurance quote and a seller willing to talk. Access Financial is an independent mortgage company in Miami and Fort Lauderdale with more than 100 lenders behind every file.
Serving
Miami-Dade and Broward counties
Office
8115 Maple Lawn Blvd, Suite 350
Fulton, MD 20759
Phone
(443) 494-4001- Lenders100+ wholesale
- PreapprovalSame day letter
- FL licenseMBR2238
- NMLS1370402
- $583KTypical Miami home
- 57 daysTo pending
- $3,004Average monthly rent
- 100+Wholesale lenders
Loan programs
Loans for towers, houses and investors
Brickell condos, Coral Gables houses and Las Olas townhouses. Each runs through one mortgage company in Miami and one loan officer.
Condo loans
Florida's condo safety laws changed how lenders review buildings. Condo loans in Miami start with a close look at reserves and inspections.
Condo purchase loansPurchase loans
Miami home loans for single family homes, townhouses and villas.
About purchase loansJumbo loans
Waterfront and Coral Gables homes often pass the limit. We compare jumbo lenders for you.
About jumbo loansSelf employed loans
Business owners qualify on bank deposits instead of tax returns.
About self employed loansInvestor and DSCR loans
A Fort Lauderdale mortgage for a rental can qualify on the rent the unit earns.
About DSCR loansNon QM options
Buyers with foreign income or assets may need a foreign national mortgage or other Non QM loan. We know where to look.
About Non QM loansWhy us
Hard condo files need more lenders.
A building one lender rejects may pass with another. We are an independent mortgage company in Miami, licensed in Florida. Your application goes to over 100 lenders, and you see each reply in writing.
Condo reserves checked early
We read the budget, reserves and inspection status before you commit.
Insurance priced in
Wind and flood coverage can change your payment a lot. We estimate it before you offer.
One loan officer to closing
The same person handles your file from the first call to closing day.
No credit pull to start
We start with your numbers and check credit when you proceed.
The South Florida market
Slower sales give buyers real leverage.
Zillow put the typical Miami home value near $582,621 in June 2026. Homes took about 57 days to go pending, and average rent sat near $3,004 a month.
With most sales closing under list, buyers can negotiate. A written preapproval from a mortgage company in Miami gives your offer weight at the table.
What one application gets you
- Lenders who can see your file100+
- Loan programs reviewed40+
- Time to a preapproval letterSame day
- Loan officers handling you1
- Credit pulled to get this farNone
Who we help
Which South Florida buyer are you?
Most calls to a mortgage company in Miami begin with one of these four.
"The condo association just approved a special assessment."
Assessments affect approval and your payment. We check how lenders view the building first.
Condo purchase loans"I earn in another country and want a place in Brickell."
Non QM programs can work with foreign income and assets.
Non QM loans"We pay $3,000 in rent and want to own."
Compare rent to a full payment, insurance included.
Rent vs buy calculator"I want a rental near Las Olas."
DSCR loans qualify on the rent, not your personal income.
DSCR loansWhere we lend
Miami-Dade and Broward
One mortgage company in Miami file covers both counties, from Homestead to Pompano Beach. Searching for a mortgage lender near me from Coral Gables or Hollywood? Our team handles Miami home loans by phone and online.
- Brickell
- Downtown Miami
- Coral Gables
- Coconut Grove
- Miami Beach
- Doral
- Kendall
- Aventura
- Homestead
- Fort Lauderdale
- Las Olas
- Hollywood
- Pembroke Pines
- Weston
- Pompano Beach
How it works
How a South Florida file moves
Every step with our mortgage company in Miami team happens by phone and online.
- First callIncome, assets and the property typeAbout 10 min
- Building and insurance checkCondo review and coverage estimateSame day
- PreapprovalA written letter for your agentSame day
- ClosingOne loan officer throughout30 to 45 days
Other locations
More of Florida
The same loan officer team covers each of these areas.
Before you apply
Read before you tour
What South Florida buyers look at before choosing a lender.
Find out what you qualify for
Check the building before you fall for the view
Tell us how you earn and what you want to buy. Every option comes back in writing, and credit is not pulled until you choose.
Call (443) 494 4001 to talk with a mortgage company in Miami, or apply online.
Access Financial Mortgage Corp. NMLS 1370402. Florida License MBR2238. Equal Housing Opportunity. This is not a commitment to lend. All loans are subject to credit approval, property review and program guidelines.
FAQ
South Florida buyers ask us
Why use a mortgage company for a Miami condo?
Condo approval varies widely by lender. A mortgage company in Miami sends your file to lenders that already accept the building.
How did Florida's condo laws change financing?
Newer safety rules require building inspections and funded reserves. Some buildings now face higher dues or assessments, which lenders review closely.
Can I buy with foreign income?
Often, yes. Non QM programs can work with foreign income and assets.
Do I need flood insurance?
A home in a mapped flood zone needs it before closing. We estimate it early.
Do you have a Miami office?
No. Our office is in Maryland. Florida buyers work with us by phone and secure upload.
How fast can I get preapproved?
Many buyers who call a mortgage company in Miami like ours have a letter the same day.