Miami Mortgage Broker
Miami's Trusted Mortgage Broker
Ed The Lender helps Miami homebuyers, move-up buyers, and investors get the right mortgage at the best rate. Local expertise, 500+ loans closed, 24-hour response.
Why Miami Buyers Choose Ed
Miami is one of Florida's most dynamic real estate markets — from Brickell condos and Coconut Grove estates to Wynwood lofts and waterfront homes in Key Biscayne. Ed The Lender has the lender relationships and local knowledge to get your deal done. Whether you're a first-time buyer, move-up buyer, or seasoned investor, Ed will find the right loan for your situation and close on time.
Start Your Application
Miami Mortgage Loan Options
Ed shops dozens of lenders to find the right product for your situation — whether you're buying, refinancing, or investing.
Conventional Loans
Competitive conventional financing for Miami's move-up and luxury market.
FHA Loans
Low down payment FHA loans for first-time buyers in Miami-Dade County.
Jumbo Loans
Financing above conforming limits for Miami's higher-priced condos and waterfront homes.
Refinance
Rate-and-term or cash-out refinance. Ed shops dozens of lenders to find your best option.
Investment Property Loans
DSCR and conventional investment loans for Miami rental properties and short-term rentals.
Miami Mortgage FAQ
Common questions from Miami homebuyers and homeowners.
What types of mortgages are available in Miami?
Ed works with conventional, FHA, jumbo, DSCR, and portfolio loan products to cover the full range of Miami's market — from starter condos to luxury waterfront estates.
Can Ed help with condo financing in Miami?
Yes. Ed is experienced with the unique financing requirements of Miami's condo market, including warrantable and non-warrantable condos, and buildings with high investor concentration.
Do I need a jumbo loan to buy in Miami?
It depends on the purchase price and your down payment. The 2025 conforming loan limit is $806,500. Ed will advise whether a conventional or jumbo loan is the right fit for your purchase.
Does Ed serve all of Miami-Dade County?
Yes — Ed serves all of Miami-Dade County including Miami, Coral Gables, Coconut Grove, Key Biscayne, Aventura, Doral, Hialeah, and surrounding areas.
How quickly can I get pre-approved in Miami?
Ed can typically issue a fully underwritten pre-approval within 24–48 hours. In Miami's competitive market, having a strong pre-approval letter can make the difference in a multiple-offer situation.
Ready to Buy or Refinance in Miami?
Get a free, no-obligation consultation with Ed. Fast response, honest advice, and access to dozens of lenders.