Florida › Miami › No or low down payment home loans

No or low down payment home loans in Miami

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

101 firms with a Miami office offer at least one loan that fits: 22 mortgage lenders, 61 mortgage brokers, 13 banks, 5 credit unions. The specific loans behind this page are listed below, each with its own page.

The loans this covers

• First time home buyer loans and programs79 firms
• VA loans67 firms
• USDA loans47 firms
• Down payment assistance programs23 firms
• Florida Housing and Hometown Heroes loans21 firms

• 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
• Credit union

  American Airlines Federal Credit Union

  Miami

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • Construction loans
  • +12 more
  282 FL loans in 2025See this credit union
• AFMortgage lender

  American Financial Network, INC.

  Miami +9 more NMLS 1579237

  • Down payment assistance programs
  • DSCR loans
  • FHA loans
  • First time home buyer loans and programs
  • +3 more
  1,724 FL loans in 2025See this lender
• ECredit union

  Educational

  Miami

  • First time home buyer loans and programs
  • HELOCs
  • Home equity loans
  • Jumbo loans
  • +2 more
  318 FL loans in 2025See this credit union
• 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
• Bank

  FirstBank Puerto Rico

  Miami +5 more

  • 15 year fixed mortgages
  • Business acquisition loans
  • Commercial real estate loans
  • Construction loans
  • +15 more
  286 FL loans in 2025See this bank
• 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
• PRMortgage lender

  Paramount Residential Mortgage Group, INC.

  Miami +15 more NMLS 1079495

  • Adjustable rate mortgages (ARM)
  • Conventional mortgages
  • FHA loans
  • First time home buyer loans and programs
  • +10 more
  3,741 FL loans in 2025See this lender
• Mortgage lender

  Point Mortgage Corporation

  Miami +5 more NMLS 1313812

  • Adjustable rate mortgages (ARM)
  • Commercial real estate loans
  • Conventional mortgages
  • Down payment assistance programs
  • +10 more
  711 FL loans in 2025See this lender
• Credit union

  Space Coast

  Miami +36 more

  • Adjustable rate mortgages (ARM)
  • Condo mortgages
  • Construction loans
  • FHA loans
  • +6 more
  5,900 FL loans in 2025See this credit union
• TFCredit union

  Tropical Financial

  Miami +6 more

  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • Condo mortgages
  • First time home buyer loans and programs
  • +7 more
  381 FL loans in 2025See this credit union
• 12Mortgage lender

  1St 2Nd Mortgage Company Of N.J., INC.

  Miami +1 more NMLS 1680470

  • Florida Housing and Hometown Heroes loans
  33 FL loans in 2025See this lender
• APMortgage lender

  American Pacific Mortgage Corporation

  Miami +23 more NMLS 2094348

  • Florida Housing and Hometown Heroes loans
  1,751 FL loans in 2025See this lender
• CFMortgage lender

  Cornerstone First Mortgage, INC.

  Miami +7 more NMLS 2085164

  • Florida Housing and Hometown Heroes loans
  1,568 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
• LCMortgage lender

  Loandepot.Com, LLC

  Miami +13 more NMLS 1188814

  • Florida Housing and Hometown Heroes loans
  7,460 FL loans in 2025See this lender
• Mortgage lender

  Primary Residential Mortgage, INC.

  Miami +11 more NMLS 101159

  • Florida Housing and Hometown Heroes loans
  582 FL loans in 2025See this lender
• Mortgage broker

  1St Choice Financial, INC.

  Miami NMLS 2597847

  • Assumable mortgages
  • Bank statement loans
  • Cash out refinance
  • Commercial real estate loans
  • +17 more
  See this broker
• Mortgage broker

  Ace Florida Mortgage LLC

  Miami NMLS 2384013

  • Commercial real estate loans
  • Conventional mortgages
  • FHA loans
  • Fix and flip loans
  • +5 more
  See this broker
• Mortgage broker

  Aim Mortgage LLC

  Miami NMLS 1912919

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • FHA loans
  • +7 more
  See this broker
• AAMortgage broker

  All American Mortgage Company, LLC

  Miami NMLS 1974088

  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • Conventional mortgages
  • FHA loans
  • +4 more
  See this broker
• Mortgage broker

  All Residential Mortgage LLC

  Miami NMLS 1801579

  • Bank statement loans
  • Construction loans
  • FHA loans
  • FHA streamline refinance
  • +15 more
  See this broker
• Mortgage broker

  American Dream Lending LLC

  Miami NMLS 2370060

  • Cash out refinance
  • DSCR loans
  • FHA loans
  • First time home buyer loans and programs
  • +3 more
  See this broker
• Mortgage broker

  Approol Mortgage LLC

  Miami NMLS 2533816

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Blanket and portfolio loans
  • Cash out refinance
  • +26 more
  See this broker
• Mortgage broker

  Argent Lending Corporation

  Miami NMLS 2141401

  • 15 year fixed mortgages
  • Cash out refinance
  • Commercial real estate loans
  • Conventional mortgages
  • +10 more
  See this broker
• Bank

  Banesco USA

  Miami +3 more

  • Adjustable rate mortgages (ARM)
  • Bridge loans
  • Business acquisition loans
  • Cash out refinance
  • +13 more
  See this bank
• Credit union

  Baptist Health South Florida

  Miami

  • Adjustable rate mortgages (ARM)
  • Conventional mortgages
  • First time home buyer loans and programs
  • Hard money and private money loans
  • +4 more
  See this credit union
• Mortgage broker

  Bennett Capital Partners, LLC

  Miami NMLS 2046862

  • 1099 income loans
  • Adjustable rate mortgages (ARM)
  • Asset depletion loans
  • Assumable mortgages
  • +40 more
  See this broker
• BCMortgage broker

  Best Choice Lending CORP

  Miami NMLS 2731515

  • FHA loans
  • First time home buyer loans and programs
  • Refinance
  • VA loans
  See this broker
• BMMortgage broker

  Bravo Mortgage LLC

  Miami NMLS 1893804

  • Adjustable rate mortgages (ARM)
  • Asset depletion loans
  • Bridge loans
  • Business acquisition loans
  • +18 more
  See this broker
• Mortgage broker

  C&G Executive, INC.

  Miami NMLS 1308569

  • Commercial real estate loans
  • DSCR loans
  • FHA loans
  • VA loans
  See this broker
• Mortgage broker

  Capital Trust Mortgage CORP.

  Miami NMLS 322180

  • Adjustable rate mortgages (ARM)
  • Commercial real estate loans
  • Condo mortgages
  • Condotel loans
  • +15 more
  See this broker
• Mortgage broker

  Capstone Mortgage Lending LLC

  Miami +3 more NMLS 1973764

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • FHA loans
  • +7 more
  See this broker
• Bank

  City National Bank

  Miami

  • Adjustable rate mortgages (ARM)
  • Asset depletion loans
  • Down payment assistance programs
  • Equipment financing
  • +8 more
  See this bank
• Bank

  City National Bank of Florida

  Miami +18 more

  • Adjustable rate mortgages (ARM)
  • Asset depletion loans
  • Down payment assistance programs
  • Equipment financing
  • +8 more
  See this bank
• CCMortgage lender

  Columbus Capital Lending, LLC

  Miami +3 more NMLS 1044126

  • Adjustable rate mortgages (ARM)
  • Conventional mortgages
  • Mortgages after bankruptcy or foreclosure
  • FHA loans
  • +10 more
  See 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

  Dade Mortgage Solutions LLC

  Miami NMLS 1982016

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • FHA loans
  • +7 more
  See this broker
• Bank

  Eastern National Bank

  Miami +1 more

  • Commercial real estate loans
  • Construction loans
  • First time home buyer loans and programs
  • HELOCs
  • +4 more
  See this bank
• EMMortgage lender

  Equitable Mortgage & Investors , INC

  Miami NMLS 326485

  • Cash out refinance
  • Conventional mortgages
  • Down payment assistance programs
  • FHA loans
  • +5 more
  See this lender
• Mortgage broker

  Essex Home Loans CORP

  Miami NMLS 373755

  • Cash out refinance
  • First time home buyer loans and programs
  • Refinance
  • Reverse mortgages
  • +1 more
  See this broker
• Mortgage broker

  Express Mortgage Services INC

  Miami NMLS 356113

  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • Conventional mortgages
  • DACA and visa holder mortgages
  • +9 more
  See this broker
• Mortgage broker

  Fair Mortgage Lending INC

  Miami NMLS 2167932

  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • Condo mortgages
  • Conventional mortgages
  • +12 more
  See this broker
• FGMortgage broker

  Fl Global Solutions CORP.

  Miami +1 more NMLS 1947530

  • Bank statement loans
  • Cash out refinance
  • FHA loans
  • First time home buyer loans and programs
  • +3 more
  See this broker
• Mortgage broker

  Florida Mortgage Capital INC

  Miami NMLS 297633

  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • Conventional mortgages
  • Equipment financing
  • +11 more
  See this broker
• FTMortgage broker

  Forrest Trust Mortgage CORP.

  Miami NMLS 395030

  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • FHA loans
  • First time home buyer loans and programs
  • +8 more
  See this broker
• Mortgage broker

  Globe Mortgage, INC.

  Miami NMLS 1390856

  • 10 year fixed mortgages
  • 1099 income loans
  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • +29 more
  See this broker
• HMMortgage lender

  Heart Mortgage Corporation

  Miami +2 more NMLS 2045769

  • Bridge loans
  • Cash out refinance
  • Commercial real estate loans
  • Construction loans
  • +17 more
  See this lender
• Mortgage lender

  Helm Mortgage CORP.

  Miami NMLS 2448506

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • Commercial real estate loans
  • +15 more
  See this lender
• 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
• Bank

  HSBC Bank USA, National Association

  Miami +1 more

  • Florida Housing and Hometown Heroes loans
  See this bank
• Mortgage broker

  International Monetary Mortgage Fund, INC.

  Miami NMLS 376614

  • Adjustable rate mortgages (ARM)
  • Bridge loans
  • Cash out refinance
  • Commercial real estate loans
  • +19 more
  See this broker
• Bank

  JPMorgan Chase Bank, National Association

  Miami +154 more

  • Adjustable rate mortgages (ARM)
  • FHA loans
  • First time home buyer loans and programs
  • Refinance
  • +4 more
  See this bank
• Mortgage lender

  Kalbadvisors Mortgage Solutions LLC

  Miami +1 more NMLS 2827992

  • 15 year fixed mortgages
  • Blanket and portfolio loans
  • Bridge loans
  • Commercial real estate loans
  • +11 more
  See this lender
• LBMortgage broker

  Lending Bankers Mortgage LLC

  Miami NMLS 383682

  • Cash out refinance
  • Commercial real estate loans
  • Condotel loans
  • Construction loans
  • +19 more
  See this broker
• Mortgage lender

  Lennar Mortgage, LLC

  Miami +9 more NMLS 1058

  • Adjustable rate mortgages (ARM)
  • Conventional mortgages
  • Down payment assistance programs
  • FHA loans
  • +5 more
  See this lender
• LMMortgage broker

  Lg Mortgage CORP.

  Miami NMLS 1858812

  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • Conventional mortgages
  • FHA loans
  • +8 more
  See this broker
• LAMortgage broker

  Liberty Alliance Mortgage, INC.

  Miami NMLS 306318

  • Conventional mortgages
  • FHA loans
  • First time home buyer loans and programs
  • Foreign national mortgages
  • +1 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
• MHMortgage broker

  Miami Home Financing LLC

  Miami NMLS 2822211

  • 1099 income loans
  • Adjustable rate mortgages (ARM)
  • Bank statement loans
  • Cash out refinance
  • +22 more
  See this broker
• Mortgage broker

  Miami Mortgage Advisors LLC

  Miami NMLS 2003124

  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • FHA loans
  • First time home buyer loans and programs
  • +11 more
  See this broker
• Mortgage broker

  Mortgage Af LLC

  Miami NMLS 2260967

  • Adjustable rate mortgages (ARM)
  • Conventional mortgages
  • DACA and visa holder mortgages
  • FHA loans
  • +5 more
  See this broker
• MGMortgage broker

  Multilending Group LLC

  Miami NMLS 370824

  • Blanket and portfolio loans
  • Bridge loans
  • Cash out refinance
  • Commercial real estate loans
  • +14 more
  See this broker
• Mortgage lender

  Nationwide Mortgage Bankers, INC.

  Miami +6 more NMLS 2467738

  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • Construction loans
  • Conventional mortgages
  • +12 more
  See this lender
• NMMortgage broker

  Nexa Mortgage, LLC

  Miami +38 more NMLS 1921833

  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • FHA loans
  • First time home buyer loans and programs
  • +8 more
  See this broker
• Mortgage broker

  Nxt Lvl Lending, LLC

  Miami NMLS 2471162

  • 1099 income loans
  • Adjustable rate mortgages (ARM)
  • Bank statement loans
  • Cash out refinance
  • +14 more
  See this broker
• OMMortgage broker

  One Mortgage LLC

  Miami NMLS 2293756

  • Asset depletion loans
  • Bank statement loans
  • Bridge loans
  • Cash out refinance
  • +19 more
  See this broker
• OMMortgage broker

  Optimal Mortgage LLC

  Miami NMLS 2503896

  • 1099 income loans
  • Asset depletion loans
  • Bank statement loans
  • Bridge loans
  • +30 more
  See this broker
• Mortgage broker

  Perfect Home Mortgage, INC.

  Miami NMLS 2187017

  • Cash out refinance
  • FHA loans
  • First time home buyer loans and programs
  • Investment property and rental loans
  • +4 more
  See this broker
• Mortgage broker

  Pmf, INC.

  Miami +9 more NMLS 1980

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • FHA loans
  • +8 more
  See this broker
• Mortgage broker

  Polaris Funding Group, LLC

  Miami NMLS 2540

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • Conventional mortgages
  • +9 more
  See this broker
• PFMortgage broker

  Premier Financial Services INC.

  Miami NMLS 1433836

  • Adjustable rate mortgages (ARM)
  • Bank statement loans
  • Cash out refinance
  • Construction loans
  • +14 more
  See this broker
• Mortgage broker

  Prosler Corporation

  Miami NMLS 362303

  • Asset depletion loans
  • Conventional mortgages
  • DSCR loans
  • FHA loans
  • +10 more
  See this broker
• QMMortgage broker

  Quality Mortgage Solutions LLC

  Miami NMLS 1781090

  • Commercial real estate loans
  • Conventional mortgages
  • FHA loans
  • Jumbo loans
  • +2 more
  See this broker
• Mortgage broker

  Quest Mortgage Services LLC

  Miami NMLS 2508429

  • 1099 income loans
  • Bridge loans
  • Cash out refinance
  • Commercial real estate loans
  • +12 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
• Mortgage broker

  Reel Mortgage Solutions LLC

  Miami NMLS 1805375

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • Conventional mortgages
  • +9 more
  See this broker
• Mortgage broker

  Royal Capital Group CORP.

  Miami NMLS 2552278

  • Bank statement loans
  • Cash out refinance
  • Commercial real estate loans
  • Conventional mortgages
  • +13 more
  See this broker
• Mortgage broker

  Rush Lending INC.

  Miami NMLS 1036959

  • Adjustable rate mortgages (ARM)
  • Bank statement loans
  • Cash out refinance
  • Conventional mortgages
  • +10 more
  See this broker
• Mortgage lender

  Rusty Rose INC.

  Miami NMLS 329203

  • Conventional mortgages
  • FHA loans
  • First time home buyer loans and programs
  • Hard money and private money loans
  • +2 more
  See this lender
• SNBank

  Seacoast National Bank

  Miami +70 more

  • Adjustable rate mortgages (ARM)
  • Asset depletion loans
  • Business acquisition loans
  • Commercial real estate loans
  • +15 more
  See this bank
• Mortgage broker

  Secure Step Mortgage, CORP

  Miami NMLS 2767457

  • Asset depletion loans
  • Bank statement loans
  • Blanket and portfolio loans
  • Bridge loans
  • +15 more
  See this broker
• SMMortgage broker

  Sedemil Mortgage Services LLC.

  Miami NMLS 1608569

  • Adjustable rate mortgages (ARM)
  • Business acquisition loans
  • Cash out refinance
  • Commercial real estate loans
  • +11 more
  See this broker
• Mortgage broker

  South Atlantic Financial Services CORP.

  Miami NMLS 332531

  • 15 year fixed mortgages
  • Bank statement loans
  • Blanket and portfolio loans
  • Cash out refinance
  • +17 more
  See this broker
• Mortgage lender

  Standard Mortgage Capital LLC

  Miami +10 more NMLS 1604663

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Assumable mortgages
  • Bridge loans
  • +24 more
  See this lender
• Mortgage broker

  Starlife Lending LLC

  Miami NMLS 2683361

  • Conventional mortgages
  • FHA loans
  • USDA loans
  See this broker
• Mortgage broker

  Strock & Tanner Mortgage CORP.

  Miami NMLS 335047

  • Adjustable rate mortgages (ARM)
  • Conventional mortgages
  • Mortgages after bankruptcy or foreclosure
  • FHA loans
  • +13 more
  See this broker
• Mortgage broker

  Syntax Mortgage Corporation

  Miami NMLS 1853231

  • Conventional mortgages
  • FHA loans
  • Refinance
  • Small business loans
  • +1 more
  See this broker
• Bank

  TD Bank, National Association

  Miami +99 more

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Asset depletion loans
  • Construction loans
  • +11 more
  See this bank
• TMMortgage broker

  Team Mc Home Loans LLC

  Miami NMLS 1931802

  • 10 year fixed mortgages
  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • +15 more
  See this broker
• PFMortgage broker

  The Paramount Funding Company

  Miami +1 more NMLS 374701

  • Adjustable rate mortgages (ARM)
  • Bank statement loans
  • Cash out refinance
  • Commercial real estate loans
  • +18 more
  See this broker
• Bank

  Truist Bank

  Miami +194 more

  • Cash out refinance
  • Commercial real estate loans
  • Construction loans
  • FHA loans
  • +7 more
  See this bank
• Bank

  U. S. Century Bank

  Miami +6 more

  • Adjustable rate mortgages (ARM)
  • Asset depletion loans
  • Commercial real estate loans
  • Conventional mortgages
  • +14 more
  See this bank
• Bank

  United Community Bank

  Miami +19 more

  • Adjustable rate mortgages (ARM)
  • Asset depletion loans
  • Cash out refinance
  • Commercial real estate loans
  • +22 more
  See this bank
• Mortgage broker

  United Mortgage Group, INC.

  Miami +5 more NMLS 1299516

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • DSCR loans
  • +8 more
  See this broker
• Bank

  Valley National Bank

  Miami +33 more

  • First time home buyer loans and programs
  • Refinance
  See this bank
• VMMortgage broker

  Vaster Management, LLC

  Miami NMLS 1804955

  • Bank statement loans
  • Blanket and portfolio loans
  • Bridge loans
  • Cash out refinance
  • +21 more
  See this broker
• VSMortgage broker

  Verushka's Casa, LLC

  Miami NMLS 2588850

  • Bank statement loans
  • Cash out refinance
  • Construction loans
  • Conventional mortgages
  • +8 more
  See this broker
• Mortgage lender

  Acrisure Mortgage, LLC

  Miami +14 more NMLS 1472038

  • Florida Housing and Hometown Heroes loans
  See this lender
• MGMortgage broker

  The Mortgage Group, LLC

  Miami +1 more NMLS 2608092

  • Florida Housing and Hometown Heroes loans
  See this broker

• All home loans in Miami487 firms, every loan type

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

Which loans count as no or low down payment home loans?

This page gathers VA loans, USDA loans, down payment assistance programs, florida housing and hometown heroes loans, first time home buyer loans and programs. A firm appears if its own website lists at least one of them. Each loan also has its own Miami page with only the firms that list it.