Loan Officer at Bold Mortgage

Aventura · Williams Island · Golden Beach · North Miami Beach

Aventura mortgage lender for condo, jumbo, and luxury buyers.

From Porsche Design Tower to Williams Island to family homes in North Miami Beach, I help Aventura buyers structure financing that closes — jumbo, warrantable and non-warrantable condos, refinancing, and investment programs.

Start Your Application Call (305) 492-2404
  • NMLS #1615071
  • Licensed in Florida
  • English / Español

Aventura Financing

Loan programs for North Miami-Dade's luxury corridor

Aventura's condo-heavy inventory and luxury single-family pockets require a lender who understands HOA financials, non-warrantable exposures, and jumbo underwriting.

Jumbo condo & home loans

Competitive rates on fixed and ARM jumbo products for Aventura, Williams Island, and Golden Beach buyers above the conforming limit.

Warrantable & non-warrantable condos

HOA review, reserve study analysis, and program matching — so you find out the building is financeable before the appraisal comes back.

Second homes & pieds-à-terre

20% down conventional, competitive jumbo rates on second homes. Common for snowbird buyers from the Northeast and Midwest.

Foreign national loans

Aventura draws heavy international interest — especially from Latin America and Russia. Non-resident programs with 25–30% down.

Refinancing

Rate-and-term or cash-out refinancing, including on condos with recent special assessments. HOA financials reviewed upfront.

Investment & DSCR

Qualify rental and short-term rental properties on projected cash flow. Portfolio-friendly for buyers expanding Aventura-area holdings.

Aventura FAQ

Aventura mortgage questions, answered

What are the best loan programs for Aventura condos?

Most Aventura condos qualify for warrantable conventional or jumbo financing — 10–20% down. Non-warrantable programs handle buildings that fall outside agency guidelines, typically 20–30% down.

Can I refinance an Aventura condo with a recent special assessment?

Yes, in most cases. Lenders review HOA financials and reserve studies before approving. I help clients prepare for underwriter scrutiny — especially relevant after Florida's SB 4-D condo safety law.

Are Golden Beach and Williams Island homes hard to finance?

No, but most transactions require jumbo financing given price points. With strong credit and 10–20% down, competitive rates are readily available.

Can a non-U.S. citizen buy in Aventura?

Yes, through foreign national loan programs. No U.S. credit history required. Typically 25–30% down.

Clients Who Closed

Real families. Real keys.

A few words from Aventura homeowners who trusted me with their closing.

"Wholeheartedly recommend working with Reinier. He is client-centered and really cares and it most definitely shows! His moral ethics match his work ethics and both surpassed expectations."
Scott R.★★★★★ Google Review · Client
"Excellent service from Reinier and his team. It was a smooth process from start to finish. Reinier definitely looked out for our best interest and gave us the best possible deal. Very trustworthy and an excellent communicator."
Stella G.★★★★★ Google Review · Homebuyer
"Reinier is extremely knowledgeable, responsive, and professional. He took the time to explain each step of the process clearly and stayed proactive throughout, which made everything feel smooth and stress-free. His attention to detail and communication truly set him apart."
Marilyn★★★★★ Google Review · Homebuyer

★★★★★ Rated 5.0 on Google

See what my clients are saying.

Verified Google reviews from real South Florida homebuyers and refinance clients.

Read Client Reviews Leave a Google Review

Get Started

Ready to buy or refinance in Aventura?

Start your secure mortgage application through Bold Mortgage — or reach me directly below.