Mortgage Broker Miami FL

If you’re buying, refinancing, or investing in Miami, Florida, Lena Polnet at Dynamic Funding Solutions is your licensed mortgage broker. With 28+ years of experience and full Florida licensure (NMLS #17225), Lena works with buyers across Miami-Dade County, from first-time homeowners to international investors seeking Jumbo and Foreign National financing. Call today: (215) 364-7171.

Miami’s real estate market is one of the most dynamic in the country. Whether you’re purchasing a luxury condo in Brickell, a single-family home in Coconut Grove, or an investment property near the Port of Miami, Dynamic Funding Solutions has the loan programs to match your goals, including FHA, Conventional, Jumbo, Non-QM, and Foreign National loans.

Home Loan Programs in Miami FL

Miami buyers have access to a wide range of financing options. Lena Polnet specializes in matching borrowers to the right loan structure based on their income profile, property type, and long-term goals.

• Conventional Loans, Competitive rates for borrowers with strong credit. Fannie Mae and Freddie Mac conforming loans up to county limits.
• Jumbo Loans, Miami’s median home prices frequently exceed conforming limits. Jumbo financing available for loan amounts above $766,550, with flexible documentation options.
• FHA Loans, 3.5% down payment for qualified buyers. Ideal for first-time buyers in Miami’s entry-level and mid-range markets.
• Foreign National Loans, Miami attracts significant international buyer demand. Lena offers Foreign National mortgage programs requiring no U.S. credit history, no SSN required for qualification.
• Non-Warrantable Condo Financing, Many Miami condo buildings do not meet Fannie/Freddie warrantability standards. Non-warrantable condo programs available through portfolio lenders.
• Non-QM Loans, Bank statement loans, asset-depletion programs, and P&L-only qualification for self-employed Miami borrowers.
• VA Loans, Zero down payment for eligible veterans and active-duty service members.

Real Estate Investors in Miami FL

Miami is one of the top U.S. markets for short-term rental and long-term investment properties. Dynamic Funding Solutions offers investor-specific loan programs designed to qualify on the property’s income potential, not your personal tax returns.

• DSCR Loans (Debt Service Coverage Ratio), Qualify based on the property’s rental income. No personal income documentation required. Ideal for LLCs and portfolio investors acquiring Miami rental properties.
• Short-Term Rental / Airbnb Underwriting, We use AirDNA market data to project STR income for Miami Beach, Wynwood, and other high-demand rental corridors, enabling qualification on projected Airbnb revenue.
• LLC Vesting, Close in your LLC or entity for asset protection. Available on most DSCR and Non-QM investment programs.
• Multi-Unit Investment Properties, 2 to 4 unit properties and small multifamily financing with investor-friendly terms.

Florida First-Time Homebuyer Programs

First-time buyers in Miami may qualify for state-backed assistance through the Florida Housing Finance Corporation:

• Florida Housing Finance Corporation (Florida Housing), Offers below-market interest rate first mortgages through the HFA Preferred and HFA Advantage programs.
• FL Assist Second Mortgage, Up to $10,000 in down payment and closing cost assistance as a 0% interest, deferred second mortgage. No monthly payments; repaid upon sale, refinance, or payoff.
• HFA Preferred / HFA Advantage, Conventional loan programs paired with down payment assistance. Income and purchase price limits apply by county. Miami-Dade limits available upon request.
• Mortgage Credit Certificate (MCC), Federal tax credit of up to 50% of annual mortgage interest, reducing your federal tax liability year over year.

Call Lena at (215) 364-7171 to find out which programs you qualify for.

FAQ, Mortgage Broker Miami FL

Can a foreign national buy a home in Miami without a U.S. credit score?

Yes. Lena offers Foreign National mortgage programs specifically designed for international buyers purchasing property in Miami. These programs do not require a U.S. credit history or Social Security number. Down payment requirements and interest rates vary by lender, but financing is available for both primary residences and investment properties.

What is the conforming loan limit for Miami-Dade County?

For 2024 to 2025, the conforming loan limit for Miami-Dade County is $766,550 for a single-family property. Loan amounts above this threshold are considered Jumbo loans. Lena works with multiple Jumbo lending partners to offer competitive rates for Miami’s higher-priced real estate market.

Are Miami condo buildings eligible for FHA or conventional financing?

Not all Miami condo projects are FHA-approved or Fannie/Freddie warrantable. Before making an offer, it’s important to verify the building’s approval status. Lena can quickly identify whether a condo project qualifies for standard financing or whether a non-warrantable condo program is needed, avoiding costly surprises after contract.