Mortgage In Miami Florida

Easily Florida's most cosmopolitan and international city, Miami is also among Florida's most expensive places to live. If you are like most of your neighbors in Miami, the home you buy will be your largest and most important asset.

Most of our Miami mortgage clients come to Capital Lending Corp. with a desire to get three things: good Home Loan advice, a competitive mortgage quote, and excellent service.

At Capital Lending Corp., we only originate mortgage loans in Florida. As a result, we have built very good relationships with a select few of the very best Lenders in Florida. We pick our lenders based upon their ability to deliver low rates, reasonable fees, and on-time closings to our Miami clients. Call 1-813-629-1111 to reach a friendly Florida mortgage professional.

Although we are smaller than some of our competitors who originate in 20 states and maintain three call centers, we deliver home loan service that is faster, more responsive, and more personal.

Your mortgage will never be just another file at Capital Lending Corp. We don't pass you from department to department. One Loan Officer handles your Florida mortgage, Home Equity loan, or homeowner Refinance Loan from start to finish. No buck passing, no excuses, just first-rate mortgage service.

Although some Florida mortgage clients find us using the website because we rank well for phrases such as Miami mortgage, the majority of our business comes by referral from past clients and from Realtors®.

To speak directly with a Florida mortgage specialist at Capital Lending Corp. call 1-813-629-1111 or use our secure online Quick Inquiry form to get pre-approved for your next Florida Mortgage in Miami. With 30 year fixed rate mortgage rates at levels near their 40-year lows, isn't it time you made the call to Capital Lending Corp?

Miami, Florida home loans for First Time Home Buyers

We do all kinds of mortgages at Capital Lending Corp. But, if we have a specialty, it has to be mortgages for Florida First Home Time Buyers. Over half of all the loans we do are for Florida 1st time home buyers.

Each of our lenders has different strengths and specialties. Some have very strong stated income mortgage programs for self-employed Miami first time buyers. Others have excellent programs for 100% financing for 1st time buyers without a downpayment. We want to be sure that you end up with the very best Florida first time home buyer mortgage. So, we will be asking some Questions about you and your Florida home ownership goals.

We have had great success helping house hunters with less than perfect credit become homeowners using our FHA Alternative home loans in Miami.

The program has many of the same features as an FHA loan, but without the hassles of dealing with the FHA regulations and possible delays in closing on your Miami home that comes with FHA inspections and FHA appraisals. Call Capital Lending Corp. at 1-813-629-1111 and ask about getting pre-approved for a Miami FHA Loan Alternative!

Miami, Florida Mortgage programs for Teachers, Fire Fighters, and Police Officers

Few people work as hard for their pay as teachers in the Miami Dade County public schools. It's especially difficult on a teacher's salary to find an Affordable studio, townhome, or single family home in Miami.

Capital Lending Corp. has been part of a program offering mortgage discounts to teachers in Hillsborough County since 2004, and we are thrilled to be able to offer these same mortgage discounts for Florida educators in Miami and throughout Florida.

Using the My Community program, Capital Lending Corp. is offering teachers lower cost mortgages with easier qualifying and relaxed Downpayment requirements. To confirm you qualify for the Florida Teacher mortgage discount, call 1-813-629-1111 to speak with a Capital Lending Corp. mortgage expert.

The same mortgage discounts that Florida teacher qualify for are also available to Miami Dade Police Officers, Fire Fighters and EMTs. Call 1-813-629-1111 today! Don't miss out on getting a discounted mortgage and locking in today's low Florida home loan rates.

Miami, Florida Jumbo and Super Jumbo Mortgage programs

Even the entry-level floor plans in some of Miami's new condo and executive home developments can put your mortgage in the Miami, Florida Jumbo or Super Jumbo category.

Most people outside the mortgage business find the idea of Jumbo Mortgages strange. Why would banks charge customers who want large home loans more? Surely one large home loan in Miami is less work that finding two or three borrowers for lesser amounts.

True.

But lenders sell their mortgages in the secondary market so that they can free up funds to make more home loans. Mortgages that are larger than $417,000.00 are called Jumbo or Super Jumbo Mortgages, and are harder for the lender to sell due to risk. So, they charge a small premium to entice investors into buying these types of mortgage backed securities.

In Florida, a mortgage on a single family home becomes a Super Jumbo mortgage at $650,000.00. The lender typically charges an extra quarter to half point on these Florida mortgages that don't conform to the standard guidelines set forth by Fannie Mae and Freddie Mac.

In some cases, it is to your advantage as a borrower to restructure your mortgage so that it falls within the guidelines to avoid paying the Florida Jumbo or Super Jumbo mortgage premium. Call Capital Lending Corp. today at 1-813-629-1111 to get pre-approved for a Miami Florida Jumbo mortgage or to discuss the best way to structure your Florida jumbo mortgage.

Miami, Florida refinance loans

At Capital Lending Corp., we tend to be conservative in our advice to clients. A few years ago, many of our competitors were aggressively marketing adjustable rate mortgages with teaser rates and three and five year fixed periods.

We've never been fans of these loans except in the rarest of short-term ownership scenarios. If you have an ARM and want a low fixed rate mortgage, don't wait until you are facing dramatically higher mortgage payments. 

With rates near their 30-year lows, please call Capital Lending Corp. at 1-813-629-1111 and let us help you refinance your Florida adjustable rate mortgage to a low fixed rate.

You can rest easier and many of our programs offer no out-of-pocket closing costs or lender paid closing costs. Don't let the great 6% APR mortgage you have turn into an 8% APR. Call for a no-hassle quote on your Miami home loan refinance!

If you need to tap the equity of your Miami home, we have excellent no closing cost options for home equity lines of credit and you can get fixed rate options for cashing out your equity on your Miami home. Debt consolidation. A dream wedding. College tuition. We can help you get the right financing to accomplish your financial goals!

stop Foreclosure in Miami, Florida

You may be 30, 60, 90 or even 120 days behind on your Florida mortgage. If you have been unable to find a solution with your current lender, you may still have options to refinance your mortgage and avoid foreclosure on your Miami home.

Don't sign over the deed to your home to a loss mitigation specialist or preforeclosure specialist, without exploring your refinance options. A simple and completely confidential call to Capital Lending Corp. at 1-813-629-1111 may be the first step to answering your daily prayer: save my Miami, Florida home from foreclosure.

We are not Investor or Realtors®. We don't buy homes. We don't list homes for sale. Our only interest would be to see if we could find a lender willing to give you a loan to payoff your current lender and provide foreclosure relief.

By adjusting the terms of your new mortgage, we may be able to get you current and even lower your monthly payment for a fixed period or for the duration of the loan. The sooner you call, the more options you may have to stop Foreclosure. In Florida, once started, a foreclosure can go quickly. Call 1-813-629-1111 today for the preforeclosure refinance specialists.

Miami, Florida Bankruptcy Buyout mortgage

Have you filed a Chapter 13 Bankruptcy? Did you know that it is possible to buyout a Florida bankruptcy early? One of the lesser-known provisions of the federal bankruptcy code allows for early buyouts under very specific conditions.

If you own a home in Miami that is homesteaded, you may be able to resume control of your financial life, emerge from Chapter 13 bankruptcy, and begin rebuilding your Credit sooner than you thought possible. Call 1-813-629-1111 to inquire about our Florida Bankruptcy Buyout loans.