Mortgage Broker in Miami-Dade County, FL

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Your Miami-Dade County Mortgage Lender — Home Loans, Refinancing & Pre-Approvals

Local expertise. Statewide reach. Every loan program available.

Down Payment Assistance Programs in Miami-Dade County

Miami-Dade buyers can access multiple layers of DPA — state, county, and city programs that can be stacked for up to $168,000+ in combined assistance.

County Program: Miami-Dade Homebuyer DPA

Assistance: Up to $35,000
Type: 0% interest deferred loan — no monthly payments, deferred up to 30 years
Income limit: Up to 140% of Miami-Dade AMI
First-time buyer required: Yes
Requires: HUD-certified homebuyer counseling and education
Note: Limited funding — first-come, first-qualified basis

County Program: MDEAT First-Time Homebuyer DPA

Assistance: Up to $28,000
Type: Forgivable grant at 0% interest
Occupancy requirement: 20 years to receive full forgiveness
First-time buyer required: Yes

Statewide Programs Available in Miami-Dade

Hometown Heroes: Up to $35,000 — 0% deferred loan for eligible workers
FL Assist: Up to $10,000 — 0% deferred second mortgage
FL HLP: Up to $10,000 — 3% interest, 15-year repayment
Salute Our Soldiers: Up to $35,000 — for veterans and active military

City Programs in Miami-Dade

City of Miami: Up to $70,000 — deferred loan, repaid only upon sale or refinance

Miami-Dade DPA Stacking Example

A first-time buyer who is a nurse purchasing in the City of Miami could potentially stack:

Hometown Heroes: $35,000 (state)
Miami-Dade County DPA: $35,000 (county)
MDEAT Grant: $28,000 (county — forgivable)
City of Miami: $70,000 (city)
Total potential assistance: up to $168,000

Stacking eligibility varies — I confirm which combinations work with our lending partners. Contact me to find out exactly what you qualify for.

Conforming Loan Limits

The 2026 conforming loan limit for Miami-Dade County is $832,750 for a single-family home. Loans up to this amount qualify for conventional financing with competitive rates. Borrowers needing more can explore jumbo loan options.

Cities We Serve in Miami-Dade County

We provide mortgage services throughout Miami-Dade County including Miami, Hialeah, Miami Gardens, Homestead, North Miami, Doral, Kendall, Miami Beach, Aventura, Miami Lakes, Coral Gables, Key Biscayne.

Home Loans in Miami-Dade County

Looking for a mortgage lender who serves Miami-Dade County? 1st Capital Group provides expert mortgage guidance to homebuyers and homeowners across Miami-Dade County and all of Florida. Whether you’re purchasing your first home, upgrading, or refinancing, we’ll find the right loan program and maximize your savings.

Loan Programs Available

Conventional Loans — As little as 3% down for qualified buyers
FHA Loans — Low down payment, flexible credit requirements
VA Loans — Zero down payment for eligible veterans and service members
USDA Loans — Zero down payment in eligible rural areas
Foreign National Loans — Financing for non-U.S. citizens
DSCR Loans — Investment property loans based on rental income