Miami condo financing
Condo approval, warrantability review, and HOA documentation — critical for closing on Miami's high-rise inventory. I work with approved Miami condos across Brickell, Downtown, and Edgewater.
Loan Officer at
Bold Mortgage
Miami · South Florida
Miami's mortgage lender for buyers who want it done right.
From Brickell high-rises to single-family homes in Coconut Grove and Little Havana, I help Miami buyers secure the right loan — FHA, VA, jumbo, conventional, or refinance — with clarity, speed, and bilingual guidance from application to closing.
- NMLS #1615071
- Licensed in Florida
- English / Español
Neighborhoods I Serve
Financing across every corner of Miami
Brickell · Downtown · Coconut Grove · Coral Way · Little Havana · Wynwood · Edgewater · Midtown · Upper Eastside · Little Haiti · Allapattah · Flagami · West Miami
Jumbo loans for luxury Miami
Financing beyond conforming limits for waterfront estates, penthouse condos, and trophy properties across Miami, Miami Beach, Key Biscayne, and Fisher Island.
First-time buyer programs
FHA 3.5% down, Florida Hometown Heroes assistance, down-payment grants, and conventional 97% LTV — tailored to Miami's price points and income thresholds.
Investor & DSCR loans
Non-QM, DSCR, and bank-statement programs for Miami investors scaling rental portfolios or buying short-term rental properties in tourist-heavy zones.
Refinancing Miami homes
Rate-and-term or cash-out refinancing to tap equity, consolidate debt, or lower your monthly payment. Free rate comparison with no obligation.
VA loans for Miami veterans
0% down, no PMI, competitive rates for active-duty military, veterans, and eligible spouses buying in Miami-Dade County.
Miami FAQ
Miami mortgage questions, answered
What's the best mortgage lender in Miami for first-time buyers?
First-time buyers in Miami benefit from FHA loans (3.5% down), conventional 97% LTV options, and Florida Hometown Heroes down-payment assistance. I specialize in guiding first-time Miami buyers through credit prep, program selection, and closing.
What are current mortgage rates in Miami?
Rates vary daily based on loan type, credit score, LTV, and program. Call (305) 492-2404 for a personalized quote based on your scenario — no hard credit pull to start.
Do I need a Miami-based lender to buy in Miami?
Not required, but a local lender understands Miami's condo approval processes, HOA nuances, flood zones, hurricane insurance requirements, and luxury condo warrantability — critical for a smooth closing in South Florida.
Can I finance a Miami condo that isn't FHA-approved?
Yes — conventional, jumbo, and non-warrantable condo loan programs are available when FHA approval isn't in place. I'll match the property to the right program before you waste time on a scenario that won't close.
Clients Who Closed
Real families. Real keys.
A few words from Miami 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."
"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."
★★★★★ 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 Miami?
Start your secure mortgage application directly through Bold Mortgage — or reach me any of the ways below.
- Phone(305) 492-2404
- EmailRCancio@boldmortgage.io
- Office4960 SW 72nd Ave
Miami, FL 33155 - HoursMon–Fri · 9 AM – 5:30 PM ET