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Rate buydown mortgages in Miami

By Kunal (KJ), former licensed mortgage loan originator · Sources: Florida OFR license file, FDIC, NCUA, firm websites, HMDA

9 firms with a Miami office list rate buydown mortgages on their own sites: 4 mortgage lenders, 5 mortgage brokers. All are approved on the Florida license file or federally chartered. Claimed firms appear first, then firms with the most complete public data.

• Mortgage lender

  A&D Mortgage LLC

  Miami +1 more NMLS 1857076

  • Adjustable rate mortgages (ARM)
  • Asset depletion loans
  • Bank statement loans
  • Rate buydown mortgages
  • +22 more
  5,245 FL loans in 2025See this lender
• FIMortgage lender

  Fairway Independent Mortgage Corporation

  Miami +19 more NMLS 1162377

  • Adjustable rate mortgages (ARM)
  • Assumable mortgages
  • Bridge loans
  • Rate buydown mortgages
  • +15 more
  3,153 FL loans in 2025See this lender
• GMMortgage lender

  Guild Mortgage Company LLC

  Miami +22 more NMLS 1771956

  • 10 year fixed mortgages
  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Rate buydown mortgages
  • +18 more
  2,790 FL loans in 2025See this lender
• CMMortgage lender

  Crosscountry Mortgage, LLC

  Miami +38 more NMLS 1212907

  • Adjustable rate mortgages (ARM)
  • Rate buydown mortgages
  • Condo mortgages
  • Conventional mortgages
  • +13 more
  11,987 FL loans in 2025See this lender
• CFMortgage broker

  Ctc Financial P.A.

  Miami NMLS 1974499

  • Bank statement loans
  • Rate buydown mortgages
  • Cash out refinance
  • Commercial real estate loans
  • +14 more
  See this broker
• Mortgage broker

  Homeone Mortgage LLC

  Miami +1 more NMLS 2424383

  • 10 year fixed mortgages
  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Rate buydown mortgages
  • +13 more
  See this broker
• LMMortgage broker

  Ljc Mortgage CORP.

  Miami NMLS 1582886

  • Adjustable rate mortgages (ARM)
  • Rate buydown mortgages
  • Cash out refinance
  • Conventional mortgages
  • +12 more
  See this broker
• Mortgage broker

  Matazwel Mortgage Group LLC

  Miami NMLS 2584479

  • Bank statement loans
  • Rate buydown mortgages
  • Cash out refinance
  • DSCR loans
  • +11 more
  See this broker
• QMMortgage broker

  Quintal Mortgage Co.

  Miami NMLS 282449

  • Rate buydown mortgages
  • Cash out refinance
  • FHA loans
  • First time home buyer loans and programs
  • +9 more
  See this broker

Other loans in Miami

• Refinance113 firms
• FHA loans87 firms
• First time home buyer loans and programs79 firms
• Jumbo loans77 firms
• Cash out refinance67 firms
• VA loans67 firms
• Investment property and rental loans64 firms
• Second home mortgages62 firms
• Adjustable rate mortgages (ARM)62 firms
• Conventional mortgages60 firms
• Commercial real estate loans53 firms
• HELOCs52 firms

• All home loans in Miami487 firms, every loan type
• Rate buydown mortgages across Florida82 firms statewide

Miami-Dade County at a glance

As of October 15, 2026Sources: FFIEC HMDA 2025 loan-level data for Miami-Dade County, FL; FHFA 2026 conforming loan limits; HUD 2026 FHA mortgage limits. Look up any county.

Questions people ask

How many lenders offer rate buydown mortgages in Miami?

9 firms licensed or chartered to lend in Florida with a Miami office list rate buydown mortgages on their own websites as of October 15, 2026: 4 mortgage lenders, 5 mortgage brokers. Every firm here is approved on the Florida Office of Financial Regulation file or insured by the FDIC or NCUA; inactive licensees are never shown.

Should I use a broker or a lender for rate buydown mortgages?

Either can get you the loan. A mortgage lender funds it with its own money; a mortgage broker shops it to several lenders and does not fund it; a bank or credit union lends its own deposits. Each card says which kind the firm is. Compare at least two, and ask each whether it funds or brokers the loan.