Miami, Florida

Miami mortgage broker.
Condo buyers, business owners, investors.

So much of Miami is condos, and a condo loan depends on the building as much as the buyer. Oak Capital Mortgage is a broker, so we can take a Brickell unit, a Kendall house or a Coral Gables purchase to the wholesale lenders whose guidelines fit it.

Takes about 2 minutes. A quick inquiry, not a loan application.

Conventional • Bank Statement • Jumbo • Renovation • DSCR Investor • FHA • VA • Bridge

South Florida

Condo-savvy financing for South Florida.

A large share of Miami homes are condos, and condo loans come with an extra layer of review. We look at the building early so you can make your decision with the facts in hand.

Milestone inspections and reserves

Florida now requires milestone inspections and reserve studies for many condo buildings of three or more habitable stories. Lenders look at those results, the budget and any open repairs, so we request the condo questionnaire right away.

When a building falls outside agency rules

If a project does not meet Fannie Mae, Freddie Mac or FHA guidelines, some lenders in our network still offer portfolio or non-QM condo loans. This is where shopping lenders pays off.

Income that does not fit a W-2

Miami runs on small businesses and independent work. Bank statement and asset-based programs let you qualify on deposits or savings rather than tax returns.

SOUTHCOM and Homestead

Service members at U.S. Southern Command in Doral and Homestead Air Reserve Base, plus veterans across Miami-Dade, can put their VA benefit to work. We confirm eligibility up front.

Miami-Dade programs

Condos, estates and everything in between.

Edgewater condo, Kendall house, Coral Gables jumbo: three buyers, three different starting points. Pick a program to see what it is designed for.

Conventional

Buy or refinance a single-family home, townhome or warrantable condo in Miami-Dade, with the building reviewed before you commit.

Often a fit for: W-2 earners and established borrowers with solid credit.

Jumbo

Loan amounts above $832,750 for Coral Gables, Coconut Grove, Pinecrest, Key Biscayne and Miami Beach, with reserve rules that vary by lender.

Often a fit for: luxury, waterfront and high-rise buyers.

Bank Statement & Asset-Based

Your business deposits or investment balances qualify you instead of tax returns full of write-offs.

Often a fit for: founders, commissioned sales pros and buyers with strong assets.

DSCR Investor

Qualify on projected rent, as long as the association allows leasing and the building passes lender review.

Often a fit for: investors buying condos or single-family rentals across Miami-Dade.

FHA

Government-insured with flexible credit rules; a condo needs FHA project approval or a single-unit approval. FHA details.

Often a fit for: first-time buyers in Kendall, Hialeah and North Miami.

VA

No down payment required for eligible borrowers, and condo units must be in a VA-approved project. VA loan basics.

Often a fit for: SOUTHCOM and Homestead Air Reserve Base personnel, plus South Florida veterans.

Renovation

Pairs the purchase of a 1950s ranch or Mediterranean-style home with its updates, paid out in scheduled draws.

Often a fit for: buyers in Miami Shores, the Upper East Side and Coral Gables.

Bridge

Buy your next South Florida home first and sell after, using equity you already hold. Bridge loan overview.

Often a fit for: high-value moves where timing matters.

Your first place

From renting in Miami to owning your own.

A first condo in Edgewater or a townhome in Doral can come within reach sooner than you would guess. Several programs allow a smaller down payment, and some let family help with gift funds. We set the upfront cash for each beside the association dues, so the monthly picture stays honest.

Across Miami-Dade

From Brickell high-rises to Pinecrest lots.

We work throughout Miami-Dade County and up into neighboring Broward County, whether the home is a high-rise unit or a single-family house.

In Miami

Brickell · Downtown · Edgewater · Wynwood · Little Havana · Coconut Grove · Upper East Side · Little River

Miami-Dade

Coral Gables · Miami Beach · Key Biscayne · Pinecrest · South Miami · Kendall · Doral · Miami Shores · Aventura · Homestead

Broward

Fort Lauderdale · Hollywood · Hallandale Beach · Pembroke Pines · Weston

Splitting the year between Brickell and the Carolinas? Our licenses cover Florida, North Carolina and South Carolina, so one team can arrange financing in each place.

Client reviews

In our clients' own words.

Read all reviews on Google ↗

    
 
 
       Posted on Google  
   
   Lynda N 
 
 
 
 Trustindex verifies that the original source of the review is Google. Matt and Jordyn have been absolutely phenomenal to work with. This is now my second home purchase using Oak Capital and I couldn’t be happier with the communication and honesty and speed. 10/10 recommend!
  
 
      Posted on Google  
   
   Shontek S 
 
 
 
 Trustindex verifies that the original source of the review is Google. Working with Matthew and Jordyn was truly an amazing experience. From the beginning to the closing table, they made the entire home buying process feel smooth, stress-free, and manageable. They were patient, knowledgeable, responsive, and always willing to answer my questions throughout every step.

There were moments during the process that felt overwhelming, but they continuously reassured and guided me through it all. Their professionalism, communication, and dedication made such a difference for me and my family. I’m beyond grateful for their hard work in helping me become a homeowner. I highly recommend them to anyone looking to purchase a home!”
  
 
      Posted on Google  
   
   Shane S 
 
 
 
 Trustindex verifies that the original source of the review is Google. I've used Hayden and his team twice for a mortgage and a refinancing and cannot recommend them enough. Throughout the whole process, they remained exceptionally responsive and easy to communicate with, making each process as smooth and simple as it could possibly be. Their knowledge and ability to proactively move the process along allowed me to take a seat back and know that I was in good hands. Hayden always kept in mind the rate that I wanted to refinance at and regularly reached out to me until we approached a time where we could make it happen. The refinancing process was as seamless as I could imagine it going. Great people who are working on your side and are always available to assist.
  
 
      Posted on Google  
   
   Ryan Y 
 
 
 
 Trustindex verifies that the original source of the review is Google. Wonderful/professional experience throughout the entire process from start to finish. The staff always answered my questions same day. They took the time to actually speak with me and the best options. Highly recommend Oak Capital Mortgage!!!
  
 
      Posted on Google  
   
   Alyssa R 
 
 
 
 Trustindex verifies that the original source of the review is Google. Hayden and Oak Capital Mortgage are awesome! Hayden acted like a partner every step of the way, always available when I needed him  most, and always collaborative. This was my first time buying a house and I was doing it solo. Hayden always stayed cool and collected, and was also on top of things when I wanted to jump on an offer. I was talking to a few lenders in the beginning, but Hayden is the only one who just reached out (even after I signed on with him) to see how things were going, say hi, ask about the house hunt, and just be friendly and that all went a long way. Closing was a breeze on his end (even though I myself had a little hiccup, he was cool about it and always solutions-oriented). Thanks Hayden!
  
 
      Posted on Google  
   
   DEBRA H 
 
 
 
 Trustindex verifies that the original source of the review is Google. Matthew and Jordyn were amazing to work with! They are very knowledgeable, proactive and detail oriented! Closing ahead of schedule! Nice work! Highly recommend them to anyone looking for a home loan!
  
 
      Posted on Google  
   
   Sam M 
 
 
 
 Trustindex verifies that the original source of the review is Google. Something so boring as a mortgage shouldn't also be stressful. And yet, it tends to be. Matthew Hassey and Jordyn Minton at Oak Capital couldn't fix the boring part, but they definitely made it less stressful. They were extremely clear and communicative, and answered each and every question I had, no matter how absurd. Do yourself a favor and work with them.
  
 
      Posted on Google  
   
   Anthony M 
 
 
 
 Trustindex verifies that the original source of the review is Google. Everything was great. Thank you for being there for us.
  
 
      Posted on Google  
   
   Visal S 
 
 
 
 Trustindex verifies that the original source of the review is Google. Matthew Hassey and his team at Oak Capital are the best ! They will take care of you like they did us! It was smooth and easy and we walked away happier than we expected!
  
 
      Posted on Google  
   
   John S 
 
 
 
 Trustindex verifies that the original source of the review is Google. As first time homeowners, my wife and I were naturally overwhelmed with information as we were shopping around lenders, to the point that we almost backed out of the whole ordeal. That is, until we switched to Oak Capital Mortgage and were paired with Hayden Wilson. Hayden was honest and transparent with us throughout the entire process from the moment he picked up the phone, and for that reason alone, I cannot recommend these folks enough. Nothing hidden from us, and every scenario laid out clearly for us to evaluate everything in its entirety.  10/10 service - you guys knocked it out of the park.

Questions

Miami condo, insurance and closing questions.

Don’t see yours? Call (877) 991-7283.

Why does my lender care about the condo association's finances?

On a condo, the lender approves the project as well as you. Underwriters look at the association’s budget, reserves, insurance, litigation and any critical repairs. Fannie Mae and Freddie Mac won’t buy loans in buildings with unresolved critical repairs, though some portfolio and non-QM lenders will, so we vet the building first.

What are milestone inspections and SIRS reports?

Florida’s post-2022 condo safety law requires milestone structural inspections and structural integrity reserve studies for many buildings of three or more habitable stories. It also limits waiving reserves for key structural items. Ask the seller or association for the latest reports, since they show the building’s condition and how repairs will be funded.

Can a pending special assessment affect my condo loan?

It can. Lenders want to know the size and purpose of any assessment, and your share may count toward your monthly debts or need to be settled at closing. We request the association’s details early so there are no late surprises.

Which insurance policies will a Miami lender ask for?

For a condo, the association’s master policy covers the building, and you’ll usually carry an HO-6 policy for the interior. If the property sits in a FEMA Special Flood Hazard Area, flood coverage is required on federally backed loans. Single-family homes need their own wind and hazard coverage too.

I'm self-employed in Miami. Do I need two years of tax returns?

Not necessarily. Bank statement and asset-based programs qualify you on deposits or liquid assets instead of returns that show heavy write-offs. Standard programs still use returns, so we look at both and show you which route fits.

How do I protect my closing funds from wire fraud?

Before sending any money, call your title company or closing attorney at a phone number you’ve verified independently, and confirm the wire instructions out loud. Never trust changed instructions that arrive by email. In Florida, the title agent or attorney acting as closing agent is the one who should give them to you.

Local market guides

More Florida guides.

Florida overview · Jacksonville · Orlando · Tampa · Sarasota

Found a building you love? Let's check it together.

Send us your scenario online or by phone. Tell us whether it is a condo or a house, and a Florida-licensed loan officer will reach out to talk it through.

Oak Capital Mortgage, LLC · NMLS #1960829 · 1800 Central Ave, Suite 301, Charlotte, NC 28205. All loans are subject to credit approval and underwriting.

Miami mortgage broker.Condo buyers, business owners, investors.