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Tell us your story
Where you are, what you’re buying, and what matters most, income type, credit history, condo quirks, or an international move. We listen before we recommend a path.
Loan programs · Miami & Palmetto Bay
South Florida home loan programs for your life, not just your numbers.
Every path below is a real program we help Miami and Palmetto Bay buyers explore, explained in plain English, with a team that cares how you get home. Eligibility depends on your situation, documentation, and underwriting.
Rather talk first? Call a real person at (786) 214-0082 · Open 8am to 8pm daily
Human guidance
A clearer path from conversation to keys.
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Match the right program
We compare conventional, FHA, VA, USDA, jumbo, and specialty options against your goals and monthly comfort, no teaser rates, no jargon dump.
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Preapprove with confidence
Start in the mortgage application portal when you’re ready. A real person stays with you through conditions, underwriting, and closing so you’re never guessing alone.
Clear paths
Programs Miami buyers actually ask about.
Purchase, refinance, and preferred mortgage broker support, without teaser rates or fee waiver claims on this page. Not every applicant will qualify. Preapproval stays in the mortgage application portal.
Estimate a monthly payment →Conventional
The workhorse purchase and refinance loan for primary, second, and investment homes across Miami-Dade. Competitive pricing when credit and down payment are solid.
Often from ~3% down with stronger credit; gift funds and Florida assistance can stack when they fit. We map condo HOA and DTI early so offers don’t stall.
Get Preapproved →FHA
Built for first time and credit flexible Miami buyers who need a realistic path to keys with a lower down payment.
Often 3.5% down; more flexible credit than many conventional paths. We’ll check condo project eligibility and monthly comfort before you shop.
Get Preapproved →VA
For eligible veterans and active duty, often $0 down, no monthly PMI, and competitive rates that help South Florida offers land.
We handle Certificate of Eligibility, residual income, and Florida VA timelines. Funding fee can often be financed.
Get Preapproved →USDA
Zero down option for eligible rural and designated areas on the edge of the Miami metro, not every ZIP qualifies.
Income and property location both matter. We’ll map your target address against USDA eligibility before you write an offer.
Get Preapproved →Jumbo
Financing above conforming loan limits for Coral Gables, Pinecrest, Coconut Grove, waterfront, and other higher South Florida prices.
Stronger reserves and credit typically help. We size conventional vs jumbo so you don’t over- or under structure the offer.
Get Preapproved →Self employed / non QM
Bank statement and non QM paths when W-2 math doesn’t show what Miami business owners, freelancers, and 1099 earners actually make.
Typically 12 to 24 months of deposits, P&L, and tax returns, explained in plain English, not lender jargon.
Get Preapproved →Investor / DSCR
DSCR and investment financing sized to rental cash flow, not personal DTI alone, condos, single family, and small multis across Miami-Dade.
Purchase or refinance with underwriting that understands South Florida rents and HOA realities.
Get Preapproved →Foreign nationals
Buy in South Florida without a U.S. credit file. Foreign national programs use larger down payments and clear passport or entity docs.
Primary residence or investment, we coordinate banks and title that already work with international buyers.
Get Preapproved →Doctor loans
Physician mortgages for MDs, DOs, dentists, and residents, underwriting that respects medical student debt and future earning power.
Low or no down options, often with no PMI. Deferred student loans may be treated more flexibly in DTI. Signed employment contracts can qualify when paystubs haven’t started yet.
Get Preapproved →Something unique? Let’s talk.
Rehab, condo quirks, or a deal that doesn’t fit a checkbox, call (786) 214-0082. We’ll help you find a workable path or tell you honestly when one isn’t there.
Ready when you are
See what you can buy.
Start a real preapproval in the mortgage application portal when you’re ready. A HomeOne teammate stays with you through the next steps.
Our bigger purpose
There’s more to HomeOne.
Mortgages are where we start, but our mission goes further. Through the stories we share and our foundation, we’re investing in people, opportunities and stronger communities.
Our bigger purpose →ONEMORTGAGE
Reinvest in our customers. It’s not all about the numbers, it’s real life, real families, and a team that actually cares how you get home.
ONESTORY
Your journey, told your way. From first offer to keys in hand, we help you share the home story that matters, in your voice.
ONECARE
Reinvest in our community. The Home One Care Foundation helps feed families facing hunger and supports mental health where we live and work.
Let’s get started.
A clearer path to homeownership.
Same dream. A simpler way to get there.
Get Preapproved →
or call (786) 214-0082 · 8am to 8pm daily