Miami Gardens FL Mortgage Broker — FHA, VA & Home Loans in Miami-Dade County

Dynamic Funding Solutions serves homebuyers and real estate investors in Miami Gardens, Florida. Lena Polnet (NMLS #17225) is a licensed mortgage broker with 28+ years of experience placing FHA, VA, conventional, DSCR, bank statement, and Non-QM loans across Miami-Dade County. Call (215) 364-7171 for a same-day rate quote.

Home Loan Programs in Miami Gardens, FL

Miami Gardens is Miami-Dade’s third-largest city and home to one of South Florida’s most diverse communities, with a large African-American and Caribbean-American population. The city’s median home prices range from the mid-$300s to the low $500s, making FHA loans and down payment assistance programs the primary financing vehicles for first-time buyers. Community reinvestment lending and down payment assistance (DPA) programs play a significant role in Miami Gardens homeownership. The Florida Hometown Heroes program targets many of the city’s working professionals — nurses, educators, and law enforcement — who form a core part of the buyer pool. Dynamic Funding Solutions has direct experience serving Miami Gardens buyers across conventional, FHA, and specialty loan programs.

FHA & Down Payment Assistance in Miami Gardens

FHA loans are the dominant purchase program in Miami Gardens. The 3.5% minimum down payment, flexible debt-to-income guidelines, and $621,000 Miami-Dade loan limit make FHA accessible to buyers at most local price points. When layered with Florida Housing Finance Corporation DPA — up to $10,000 in deferred assistance — many Miami Gardens buyers close with minimal out-of-pocket costs. The Florida Assist second mortgage carries 0% interest and no monthly payment, deferred until sale, refinance, or payoff. Lena Polnet structures FHA + DPA combinations for Miami Gardens buyers and handles the full loan file from pre-approval through closing.

First-Time Homebuyer Programs in Miami Gardens

Florida Housing Finance Corporation programs available in Miami Gardens include Florida Assist DPA, the HFA Preferred Grant, and the Hometown Heroes program for eligible working professionals. Miami-Dade County’s SHIP program provides additional assistance for income-qualified buyers. Miami Gardens buyers may also access community development financial institution (CDFI) lending programs designed for underserved markets. Call (215) 364-7171 to determine which programs you qualify for and get a same-day pre-approval estimate layering all available assistance.

FAQ — Mortgage Loans in Miami Gardens, FL

What credit score is needed for an FHA loan in Miami Gardens?

580+ for 3.5% down; 500-579 for 10% down. Most FHA lenders want 620+. Call (215) 364-7171 to review your specific situation.

Does Dynamic Funding Solutions serve Miami Gardens buyers?

Yes — we’re licensed in Florida and close loans in Miami-Dade County including Miami Gardens. Remote closings available.

Can I use down payment assistance with an FHA loan in Miami Gardens?

Yes. Florida Housing Finance Corporation DPA programs can be combined with FHA loans for Miami Gardens buyers. Eligible borrowers can receive up to $10,000 in deferred down payment assistance, significantly reducing upfront costs. Call (215) 364-7171 to check your eligibility.

Get Pre-Approved Today

Call (215) 364-7171 or visit dynamicfunding.net to start your mortgage application. Lena Polnet serves all of Miami-Dade County including Miami Gardens. Same-day pre-approvals available.

NMLS #17144 | Lena Polnet — NMLS #17225 | Equal Housing Lender