Jumbo loans
Financing above conforming limits for Coral Gables, Pinecrest, and South Miami estates. Competitive rates on fixed and ARM structures, with flexible reserve requirements.
Loan Officer at
Bold Mortgage
Coral Gables · Pinecrest · South Miami
Coral Gables mortgage lender for luxury, legacy, and everything between.
Jumbo loans, conventional financing, and refinancing for Coral Gables' Mediterranean estates, historic homes, and Pinecrest/South Miami family residences. Personal service from application to closing — structured around your portfolio, not a call center script.
- NMLS #1615071
- Licensed in Florida
- English / Español
Coral Gables Financing
Loan programs for the City Beautiful
Coral Gables buyers aren't one-size-fits-all — neither are the loan programs I recommend. From first-time buyers on Minorca Avenue to estate purchasers on Old Cutler Road, I match the financing to the property and the person.
Conventional home loans
3–5% down options for buyers under the conforming limit — common for South Miami condos and smaller single-family homes in the region.
Historic & Mediterranean homes
Coral Gables' unique housing stock requires appraisers and lenders who understand the market. I work with pros who know the city's historic preservation overlays.
Cash-out refinancing
Tap equity built up over years of appreciation — for renovations, investment purchases, or portfolio diversification. Competitive rates on primary and second homes.
Asset-based & Non-QM
Qualify based on liquid assets, rental portfolio cash flow (DSCR), or bank statements — ideal for high-net-worth buyers with non-traditional income documentation.
Second homes & investment
Coral Gables makes sense for second homes, pieds-à-terre, and rental investments. I structure financing for each use case with the right rate and term.
Coral Gables FAQ
Coral Gables mortgage questions, answered
What qualifies as a jumbo loan in Coral Gables?
In Miami-Dade County, loans above the conforming limit (typically $766,550 for single-family in recent years) are considered jumbo. Most Coral Gables, Pinecrest, and South Miami transactions fall into this category.
How much down payment do I need for a Coral Gables home?
Jumbo loans typically require 10–20% down, though some programs go as low as 5% with strong credit and reserves. Conventional loans under the conforming limit allow as little as 3–5% down.
Can I finance a historic home in Coral Gables?
Yes. Coral Gables has specific appraisal and renovation considerations for its historic and Mediterranean-style properties. I work with appraisers and programs experienced in the city's unique housing stock.
What's the process for a high-net-worth buyer without traditional W-2 income?
Asset-based lending, bank-statement programs, and DSCR loans let you qualify using liquid assets, business deposits, or rental cash flow instead of tax returns. Common for Coral Gables buyers with complex income situations.
Clients Who Closed
Real families. Real keys.
A few words from Coral Gables homeowners who trusted me with their closing.
"As a real estate broker, I truly value working with lenders who are responsive, knowledgeable, and solution-driven — and Reinier exceeded every expectation. Whenever an obstacle came up, he handled it calmly, professionally, and always had a solution ready. He went above and beyond to get us to the closing table."
"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."
"Very responsive and communicative. Focuses on assisting clients any way he can and will work around the clock for you."
★★★★★ Rated 5.0 on Google
See what my clients are saying.
Verified Google reviews from real South Florida homebuyers and refinance clients.
Get Started
Ready to buy or refinance in Coral Gables?
Start your secure mortgage application through Bold Mortgage — or reach me directly below for a consultation.
- Phone(305) 492-2404
- EmailRCancio@boldmortgage.io
- Office4960 SW 72nd Ave
Miami, FL 33155 - HoursMon–Fri · 9 AM – 5:30 PM ET