Miami Mortgage Brokers | Mortgage Brokers Miami | Mortgage Broker
Get the lowest rates and fee Miami mortgage broker in Miami FL?
EquiFund Mortgage provides rates 1% lower than most banks and lenders without paying rate buy down points.
EquiFund Mortgage has served the greater Miami area for over 22 years and is A+ rated, and 5 star Google reviewed. Our mortgage brokerage has helped Miami homeowners and buyers capture the lowest rates and fee loans.
You will see real loan offers and quotes in 3 minutes or less using EquiFund's Online Lowest Interest Rate & Fee loan finder.
This video will explain how this can help you.
EquiFund Mortgage Qualifications:
- Serving Miami FL for over 22 years
- 5 Star Google Reviews from our clients
- A+ Rated Better Business Bureau
- Offers The Lowest Interest Rate & Fee Guarantee
- Licensed NMLS # 1070755
- 30 year Fixed Rates 1% lower than most banks
*For more details read review below
No credit pulls, spam calls or emails. Just stupid low rates.
Get 1% off 30 year fixed rates for online loan offers.
Rates 1% lower than most-Equifund's Online Mortgage Rate Finder
EquiFund's automated mortgage app only takes 3 minutes to identify and secure the lowest mortgage rate and fee loan in our market guaranteed.
The mortgage app will calculate every possible loan option and loan program with each lender in the our market. The mortgage app will identify the lowest Miami mortgage rate loans from all of the loan option results and display all mortgage rate information within one single user session. The mortgage app will show you real interest rate loan offers, monthly payments, mortgage insurance, closing costs, down payments and annual percentage rate.
This automated mortgage app eliminates the need for high cost commissioned loan originators and we pass this cost savings back to you in the form of the lowest rates and fees guarantee in our market.
This mortgage app automation eliminates human error and oversight. The conveniences online mortgage offers are: lowest interest rate and fee guarantee, mathematical accuracy, increased loan savings.
No credit pulls, spam calls or emails. Just stupid low rates.
Get 1% off 30 year fixed rates for online loan offers.
What are the fees EquiFund Mortgage brokers charge?
EquiFund Mortgage does not charge any fees. The lender with the lowest interest rate and fees agrees to pay us to originate, process, underwrite and fund your loan request.
- No Origination Fees
- No Underwriting Fees
- No Processing Fees
- No Mortgage Broker Fees
Questions to consider when hiring a Miami Mortgage Broker
It is very important to be understand your home is one of your largest assets and your mortgage is one of your largest debts. Selecting the wrong mortgage provider could create substantial financial loss compared to identifying the best mortgage loan in the market with the lowest fees. EquiFund's mortgage app will provide you with a simple and fast solution to secure the best mortgage deal in the market.
Listed below are some good questions that should be asked for each mortgage lender or broker you consider for your home purchase or refinance.
What Fees do traditional Brokers charge in Miami Florida?
Miami FL brokers usually charge 2-2.75% of the loan amount as a mortgage broker fee. The broker fee covers the cost to originate and process your loan request. The average Miami FL mortgage broker fees are summarized below.
- 2-2.75% Mortgage Broker Fee
- Underwriting Fees $750-$1,000
- Processing Fees $550-$900
What could happen if I choose the wrong Broker?
If you choose the wrong broker you could risk not capturing the lowest interest rate and fee mortgage loan in our market. The financial loss of not getting the best loan in the market is equal to $ 32,040 on average considering just a .50% lower interest rate. As of 1/8/2023 our interest rate are 1% lower than most all other banks and lenders.
Traditional mortgage brokers who lack automation do not have the ability to calculate every possible loan option within a reasonable time period.
If the Broker does not have years of experience and strong work ethic the closing of your loan can be delayed and cause a lot of stress.
Important factors to consider when hiring a broker
- Do they fully understand underwriting guidelines?
- Do they over submit unnecessary documents causing prolonged underwriting?
- Do they know which mortgage lender has the best rates and lowest cost?
- Do they overlook critical questions up front that cause major delays later?
The value of finding the right mortgage broker, is as important as finding the right highly skilled attorney.
We understand that both time and money are the two most sought after assets we seek in our lifetime.
This is a list of important questions to ask when selecting a Miami FL Mortgage Broker
- How many years have they been in business?
- How many years of experience does the Loan Originator have?
- What process do they have for to insure they have the lowest rate mortgage lenders?
- Do they use any automation to reduce man hours?
- Do they pay costly commissions to their Loan Originators?
- What does their reviews and ratings say?
- Do they offer online mortgage rate checks to compare rates?
Identify Lowest Rate Loans – and do it all online. You can get real, customized Loan Offers matched to your profile.
See Lowest Lender Rates
Why should I use EquiFund for my Miami mortgages?
EquiFund Mortgage Brokers in Miami has helped over 50,000 homeowners since 1998 with home loans for purchasing homes and Miami mortgage refinancing.
EquiFund puts the clients needs first. We have a perfect track record for the last 22 years.
Please read full review at the Better Business Bureau rated A+ and our verified 5 Star rating with Google Reviews.
EquiFund is 100% committed to providing our customers with the lowest interest rate and fee home loans and on time stress free loan closings.
We are Miami's only automated mortgage company. Our 3 minute mortgage app will identify and deliver the lowest rates and fees on your Miami mortgage for purchasing a home or refinancing.
Why is EquiFund considered the best mortgage broker in Miami FL?
EquiFund uses automation that compares 100's of home loan options through National lenders to capture the lowest rate and fee loan for you.
Using EquiFund's mortgage app, we are able to lower our labor cost by 70%. This labor cost savings is passed back to you.
EquiFund's goal is to lower the cost of home loans to zero. With automation and your help, we will get there,
EquiFund has the only lowest interest rate fee mortgage loan guarantee in Miami, FL. for your purchase or home refinance.
Understanding that traditional mortgage brokers have the ability to give their clients a really good loan, does not mean that they always do. Finding the right broker for your Miami mortgage is a very important decision.
Who are the lenders EquiFund use?
EquiFund Mortgage Lenders in our Network
- Freedom Mortgage
- Loan Depot Mortgage
- AmeriSave Mortgage
- HomePoint Financial
- Penny Mac Mortgage
- Change Lending
- Plaza Home Mortgage and more
We also monitor lenders mortgage lenders offering a wide range of programs for home purchase and home refinance, that allow us to approve more home loans with mortgage rates that are better than else where.
In order to provide our Miami FL clients the absolute lowest interest rate fee mortgage loan guarantee we constantly review 100's of mortgage companies and lenders daily rate sheets, and select the lowest best priced mortgage lenders to use in our automated online rate finder.
What are the loan products offered at EquiFund have?
EquiFund offers conventional loans, FHA, VA, USDA, Jumbo and more. Please see the complete list below.
We offer all loan programs. The loan products offered are listed below.
- No Credit Score FHA & VA Mortgage Refinance
- FHA and VA Mortgage Loans with 550 credit scores
- Self Employed Limited Income Documentation
- Self Employed Bank Statement Programs
- VA 100% Mortgage Financing
- Investor No Income No Asset Loans
- Conventional home loans
- Jumbo home loans
If you are purchasing a home or refinancing to pay of credit cards loans, business credit cards or consolidate equity loans and second mortgages, then use the mortgage app to generate a loan quote to identify your monthly payment savings that you can capture by eliminating high interest rate loans. Our team of residential originators will provide you with real loan offers that match your request.
What is the mortgage loan process used at EquiFund Mortgage?
To initiate your home loan inquiry, you can either call us directly and talk with one of our experienced licensed mortgage loan originators or you if you would simply like to see just how low our interest rates are, you can apply online and get instant home loan results. In short, a brief loan process flow is listed below:
- Make Initial Loan Inquiry Online or over the phone
- Review loan options and loan terms
- Identify the loan terms that meet your objective
- Select your loan option, and gather required documents
- E-Sign Initial Mortgage Loan Disclosures
- Submit your required mortgage loan documents
- Work with your assigned loan originator to clear conditions
- Review your Closing Disclosure to verify fees and terms
- Schedule and attend mortgage closings
How to get pre approved for a Miami mortgage loan?
If you would like to get pre approved for a Miami mortgage, you can simply access our online mortgage loan application. This mortgage app will return immediate loan option results. You can learn more about getting pre-approved for a Miami Mortgage Loan by reading our article on how to get pre approved.
Broker vs. Lender Facts?
Can Mortgage Brokers close loans as fast as mortgage lenders in Miami?
Yes. Mortgage Brokers have the ability to move the business to the lowest rate fee lender that has the fastest underwriting to close time. In many cases, Miami mortgage lenders can have slower than normal origination, processing and loan closings because mortgage lenders have limited outlets to place loans.
Do lenders have lower interest rates then mortgage brokers in Miami Florida?
No. Mortgage brokers are provided lower than average interest rates. Our interest rates are wholesale rates. Wholesale interest rates are lower than the lenders retail interest rates.
Miami Mortgage Lenders have higher interest rates then mortgage brokers.
Just like travel agents that price airline tickets for several airlines to get clients the lowest fares, mortgage brokers receive lower interest rates that what the same mortgage company would offer you if you called them directly.
No credit pulls, spam calls or emails. Just stupid low rates.
Get 1% off 30 year fixed rates for online loan offers.
Do mortgage brokers always pass the interest rate savings over to the client?
No some mortgage brokers will use the lower interest rate the lender provides to make additional profits to the mortgage broker. EquiFund uses automation to lower the cost of origination; therefore, we provide 1% lower rates on average compared to most banks and lenders.
Does EquiFund Mortgage Broker in Miami Florida pass the rate savings to the client?
Yes, EquiFund passes the saving in interest rate back to their customers. We are able to pass this interest rate savings back to the customer because we have spent years developing an automated mortgage app that reduces man hours and simplifies the lending process.
Should I use a mortgage broker or mortgage lender?
When you use a qualified mortgage broker they can compare multiple lenders rates and fees to identify the best loan products for you.
Using an automated broker will deliver the best results. Automation reduces the time required to accurately calculate each loan option from each lender to secure the best loan for you.
Mortgage brokers have the ability to get more home loans approved because they use multiple mortgage lenders underwriting guidelines.
The process of shopping for your best home loan can be a bit difficult and we understand that. Knowing the added value and peace of mind that you need whether you are purchasing a home or refinancing your home is important. For any Florida mortgage needs, consider EquiFund as a reliable source for financing.
At EquiFund we place the highest demands upon ourselves to provide you with the lowest interest rates and fees and a very fast and painless loan closing process in a very timely manner. We hope this article was insightful for you.
Please feel free to use our online apply now, to verify your eligibility and see for yourself why EquiFund Mortgage Brokers in Miami FL is a verified 5 Star Google Reviewed company.
Identify Lowest Rate Loans – and do it all online. You can get real, customized Loan Offers matched to your profile.
See Lowest Lender Rates
Are you looking for more information on the Miami area and mortgage lending links?
Miami offers a rich and diverse lifestyle for its residence. The real estate market in Miami FL is always in high demand. The business opportunities in Miami given the size of the city, its shipping ports and international and National business create a lot of opportunities to exceed the lifestyle that you demand.
These links provided below will give you some exceptional information on Miami area attractions, parks, City services and mortgage lending regulations, Federal Government Insured Programs like FHA, VA and USDA. We have also included a link to the Consumer Financial Protection Bureau which serves as a regulatory catch all for any consumer concerns and educational needs that relate to mortgage lending and consumer finance.
- Miami City Hall: Miami FL City Hall has a large list of resources available to explore. You will find Miami FL recreational information like Miami Parks and Public Places, activities, Special Events, Business Resources, and so much more to explore.
- Mortgage Lending Resources: This sites can guide you with different eligible mortgage loan programs backed by our Federal government. U.S. Department of Housing and Urban Development HUD.gov Homebuyers Know your Rights, Federal Housing Administration FHA.gov, Veterans Administration VA.gov
- Mortgage Lending Compliance: This site is intended to provide assistance with any concerns you may have with financial service providers. They are also a great source of educating consumers on important financial decisions you may make Consumer Financial Protection Bureau
