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Refinancing your Miami mortgage can offer significant financial benefits, but it requires careful consideration and expert guidance. Working with a reputable mortgage broker can help you navigate the complex process, from comparing annual percentage rates to understanding how property taxes may affect your new loan. A successful refinance can lower your monthly payments, reduce your interest rate, or provide cash for home improvements. In this article, we’ll explore the key factors you need to consider when refinancing your Miami home and how to choose the right real estate institution for your needs.
Understanding the Basics of Mortgage Refinancing in Miami
Refinancing your mortgage in Miami can be a strategic financial move, offering opportunities to improve your loan terms or tap into home equity. Miami’s unique real estate market demands specific knowledge. Whether you’re considering a traditional refinance or exploring options like a reverse mortgage, it’s crucial to understand the fundamentals and assess your current financial standing. By doing so, you’ll be better equipped to make informed decisions that align with your long-term financial goals in the vibrant Miami property landscape.
Why Homeowners Opt for Refinancing Their Loans
Homeowners in Miami choose to refinance loans for various reasons, each tailored to their financial objectives. You might opt for refinancing to secure a lower interest rate, reduce monthly payments, or switch from an adjustable-rate to a fixed-rate mortgage. Additionally, refinancing can provide an opportunity to tap into your home’s equity for major expenses or consolidate high-interest debt. Refinancing allows you to potentially lower your housing cost while building equity in your Miami property.
- Lower interest rates
- Reduced monthly payments
- Change in loan type
- Access to home equity
- Debt consolidation
Assessing Your Current Financial Standing and Goals
Before refinancing your Miami mortgage, evaluate your current financial situation and long-term objectives. Consider factors such as your credit score, income stability, and existing consumer debt. Assess your home’s value and compare it to your outstanding mortgage balance to determine your equity position. Review your current insurance coverage, including title insurance, to ensure adequate protection. Miami’s unique real estate market may offer different opportunities and challenges. Your financial goals should guide your interest rate decision:
- Lowering monthly payments
- Reducing interest rates
- Accessing home equity
- Consolidating debt
- Shortening loan term
Evaluating Miami‘s Local Real Estate Market Trends
Miami’s real estate market dynamics play a crucial role in refinancing decisions. You must understand how market conditions influence refinance rates, potentially impacting your ability to secure a conforming loan or avoid foreclosure. By analyzing market trends, you can identify opportunities even in a fluctuating economy, potentially saving on your mortgage through strategic use of discount points. Stay vigilant about your budget and default risks, as these factors can significantly affect your refinancing options in Miami’s unique property landscape.
How Market Conditions Affect Refinance Rates
Market conditions in Miami significantly influence refinance rates, impacting your ability to leverage home equity or secure a home equity loan. Miami’s dynamic real estate market can lead to rapid fluctuations in property values and interest rates. You must consider these factors when planning for expenses related to refinancing. Credit unions and other lenders adjust their rates based on market trends, potentially affecting your refinancing options:
- Property value fluctuations
- Interest rate changes
- Lender competition
- Economic indicators
- Government policies
Identifying Opportunities in a Fluctuating Economy
In Miami’s fluctuating economy, you can identify refinancing opportunities by staying informed about market trends and working with experienced mortgage lenders Miami. Consider cash out refinancing to access your home’s equity for investments or major expenses. Consult with a trusted real estate agent to gauge property values and potential appreciation. As a customer, maintain a strong credit profile to qualify for favorable refinancing terms when market conditions align with your financial goals:
- Monitor interest rate fluctuations
- Track property value changes
- Assess your equity position
- Explore various refinancing options
- Consult with financial professionals
Preparing Your Application for a Smooth Approval Process
Preparing your refinance application in Miami requires careful attention to detail and thorough documentation. You’ll need to gather essential information for home equity loans, flood certificates, and proof of addressing any credit card debt. Lenders will scrutinize your financial profile, including your need for mortgage insurance and eligibility for programs like USDA home loans. By understanding the required documents and implementing strategies to strengthen your application, you can navigate the approval process more efficiently. This preparation is crucial for securing favorable terms and expediting your refinance in Miami’s competitive mortgage market.
Documents and Information Lenders Require
To streamline your mortgage refinance experience in Miami, you’ll need to provide lenders with comprehensive documentation. This typically includes proof of income (such as pay stubs and tax returns), bank statements, asset information (including retirement accounts and investments), and details about any outstanding debts (including student loans). You should also be prepared to furnish your current mortgage statement, homeowners insurance policy, and property tax records to facilitate a smooth real estate approval process.
Tips to Strengthen Your Refinance Application
To strengthen your refinance application in Miami, focus on improving your credit score , reducing debt, and maintaining stable employment. Miami’s competitive market may require a stronger financial profile for home refinance approval. Gather all necessary documents, including proof of income, assets, and liabilities, to present a comprehensive picture of your financial health. Consider these strategies to enhance your application:
- Pay down existing debts
- Increase your savings
- Maintain consistent employment
- Avoid large purchases before applying
- Address any credit report errors
Choosing the Right Type of Refinance for Your Needs
When refinancing your Miami mortgage, you must carefully consider the various options available to meet your specific financial goals. Miami’s unique real estate market may offer different refinancing products tailored to local conditions. Consult with reputable mortgage lenders in Miami, FL to explore these options and determine which aligns best with your needs.
Your choice of refinance type will depend on factors such as your current equity, credit score, and long-term financial objectives. Some common refinancing options include rate-and-term refinances, cash-out refinances, and streamline refinances. Each option comes with its own set of benefits and considerations, so it’s crucial to understand how they align with your financial situation.
To make an informed decision, research various mortgage broker lenders and compare their offerings. Many lenders now provide online banking services, allowing you to explore refinancing options and submit applications conveniently. However, remember that personalized guidance from a local mortgage lender in Miami, FL can be invaluable in navigating the refinancing process:
- Rate-and-term refinance
- Cash-out refinance
- Streamline refinance
- FHA refinance
- VA refinance
Refinancing in Miami FL
Refinancing your Miami mortgage requires careful consideration of local market trends, your financial goals, and the various refinance options available. You must assess your current financial standing, gather essential documents, and strengthen your application to secure favorable terms in Miami’s competitive real estate landscape. Working with experienced mortgage lenders in Miami, FL like Lending Bankers Mortgage can provide valuable insights and help you navigate the unique aspects of the local market. We can help you, call us now at (786) 220-1100. By understanding the refinancing process and making informed decisions, you can potentially lower your housing costs, access home equity, or achieve other financial objectives tailored to your specific needs in the vibrant Miami property market.
Client Testimonials
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Building lifelong mortgage partnerships is our mission. Explore our clients’ experiences through our Google reviews.
Ruben S.
01:26 12 Dec 24
Thanks to the team at Lending Bankers Mortgage. My Buyer used them to purchase her condo in DoMi and we successfully closed! Great teamwork and cheers to the next one!
Daniar B.
00:16 10 Dec 24
Recomiendo 100% a Gustavo presente en cada paso que dimos para la compra de mi casa. Con mucha paciencia y explicando paso a paso todo lo que íbamos haciendo.
Aaron D.
00:12 10 Dec 24
Nice experience. They make it easy and trustlyThanks guys🙏🙏🙌
Henrique F.
20:31 06 Dec 24
I have been working with Gustavo Gamboa for several years, very professional and knowledgeable, always showing the best opportunities for my mortgages, with the best rates of the market and smooth closings. I highly recommend him.
Karel R.
20:06 06 Dec 24
Highly recommended! The services provided were truly top-notch. Working with Gustavo was more than just a transaction; it was a transformative experience. As a Realtor, I grew immensely under his mentorship. Gustavo is not only a proficient financial advisor but also an excellent mentor. My clients felt genuinely comfortable throughout the financing process and, thanks to his expertise, were successfully approved to purchase their dream home.
Federico Fernandez A.
16:59 16 Nov 24
Todo perfecto! Especial mencion a Juan G y David. Siempre predispuestos a ayudar en todo. Tambien mucha paciencia, ya que fue la primer experiencia de compra con un lender en USA y, a pesar de los obstaculos que se presentaban, siempre intentaron hacer lo imposible para que se cumpla en tiempo y forma. Muchas gracias!
Melanie T.
15:03 16 Aug 24
I had the pleasure to work with Danny Perez. He was very professional and made my mortgage application process as smooth as possible. Thank you again Danny for all the hard work you put in to helping me get my investment property done. You are amazing at what you do😊
Julian V.
16:47 01 Aug 24
My boss referred me to Lending Bankers due to his past outstanding experiences with them. My process for refinancing was difficult and long, Gabriel did a fabulous job by selecting different banks and when one was chosen he really made it happen. Together with David Otero they even spoke to the bank president. I truly recommend them.
Adrián B.
21:51 22 Jul 24
David Otero and Gabriel from Lending Bankers are the best!!!! Super easy to work with and very professional. They are always available to answer any questions, and they have open lines of communication throughout the entire process no matter the time they always answer. The loan process was painless and fast! Thank you very much for all your work and for your excellent service.
José P.
22:14 10 Jul 24
Genial empresa , gente muy comprometida con ayudar a el cliente , súper amable y siempre viendo como se den las cosas de la manera más rápida y correcta !David y Gabriel en especial me acompañaron en todo el proceso y básicamente lo hicieron ellos !!
Angel Vivas V.
00:30 25 Jun 24
Excelente Equipo.. reconocimiento para todo el equipo de trabajo liderado por Juan Grieben.. son Excelentes.. Profesionales y Eficientes. En nuestro caso entre otras situaciones disponiamos de tiempos muy ajustados. Nos comunicamos permanentemente durante el proceso de evaluación y nuestro objetivo fue logrado a tiempo con una muy clara propuesta económica desde el primer momento.. Estamos muy agradecidos y satisfechos.. 100% recomendables..
Marisol M.
21:18 24 Jun 24
Juan Grieben es fabuloso ! Pudo resolver un préstamo con condiciones excelentes en pocos días !
Javier R.
15:27 18 May 24
Conozco a Juan G. desde la universidad, y su dedicación como profesional siempre fue estupenda. Su profundo conocimiento del mercado, atención al detalle y enfoque centrado en el cliente hacen que trabajar con él sea una experiencia excepcional. Siempre brinda asesoramiento honesto y soluciones a medida. Gracias David y Juan por la experiencia con ustedes.
Jessie O.
02:44 17 May 24
My new found brother in arms, BRICKELL BRUCE!!! He really stepped to bat for our commercial acquisition. A finance broker is defined by their creativity and understanding of opportunity. They're the one selling the deal. We know he also has the ability to provide creative business financing for our commercial tenants as well. The man does it ALL and we're looking forward to working together again soon.Lending Bankers as a company seems to gel very well; I had the pleasure of speaking with CEO Mr. David Otero. Great guy and unbelievably knowledgeable with real estate finance. They offer residential mortgages as well. But personally, as someone who is constantly using private funding, I'm truly impressed by their knowledge of Fix & Flip and Bridge Loans.
CAL C.
02:22 17 May 24
The Superior customer service, and know how by Danny Perez is impressive and why he has such a great reputation.. Effective and convenient don’t look anywhere else.. Thank you so much !!!⭐️⭐️⭐️⭐️⭐️
Afshan K.
00:02 17 May 24
Danny Perez was wonderful,he helped me navigate all the complexities of the mortgage approval process and helped me close the loan in a timely fashionI was impressed by his hard work perseverance and dedicationI recommend him wholeheartedly and look forward to doing more deals
Cristhian B.
20:17 30 Apr 24
These guys are pros and know what they are doing. They made something hard look easy. Thanks Rodrigo and David, I appreciate your help!
Bianca A.
19:42 30 Apr 24
After having a hard time getting prequalified I’m glad I came across Rodrigo who asked all the right questions the other reps were missing. Seems like in this business it’s important for bankers to think outside to box. Thanks Rodrigo and David!! You made it happen
isabel O.
04:43 28 Apr 24
Thank you Pamela and David for all the help on financing my vacation home in Florida, great communication and excellent terms, I will send business your way guys.
S
21:19 24 Apr 24
Danny Perez is the absolute best. We needed our approval letter and everything very quickly to put an offer on a house, and Danny got it to us so quickly. BEST EVER!
Marisol
15:56 24 Apr 24
Siempre es un verdadero placer trabajar con este gran equipo, especialmente con Gabriel y David Otero . Profesionales, atentos, diligentes y siempre disponibles para sus clientes. Siempre los recomiendo para cualquiera que tengas necesidad de buscar un financiamiento.Como siempre, un placer enorme en trabajar juntos ❤️
Faridd E.
23:35 23 Apr 24
Muchas gracias a David Otero y Gabriel Corrente de Lending Bankers por su excelente atención y servicio para la obtención de mi servicios de prestamos, estoy súper agradecido con ustedes y son un excelente equipo.Saludos!
randol M.
18:25 23 Apr 24
A thank you to the excellent service provided by David Otero and Gabriel in obtaining my loan. Best regards
Victor P.
01:45 23 Apr 24
There’s no one else I’d recommend more than Katherine and David! Since our very first meeting they took the time to understand my financial situation and goals, provided amazing guidance on every step during the mortgage process. They were always available to answer my questions, making sure I felt confident and informed throughout the entire process no matter the time. Their attention to detail and dedication to their clients truly sets them apart. I couldn’t be more grateful for their help.
Roman K.
00:10 23 Apr 24
Danny Perez consistently goes above and beyond for his clients. His dedication to delivering exceptional service is evident in every interaction. I've referred him to friends and family without hesitation, and personally experienced the professionalism and expertise he brings to the table. He truly makes the experience painless and stays on top of you looking out for your best interest and goes to bat for you.Danny's commitment to his clients is unmatched, and I'm confident in recommending him to anyone in need of mortgage assistance. Thank you, Danny, for consistently exceeding expectations!
London
16:19 22 Apr 24
I want to thank David, Juan, and Gustavo for all their professionalism in handling business. Lending Bankers Mortgage is a very reliable broker to trust your investments!!!
Daniel S.
15:52 22 Apr 24
Two words: BRICKELL BRUCE!!! If you’re not working with him for your business and real estate loans…you need to. He makes life SOOO much easier. Thank you! Will be sending more business your way
dania Q.
14:31 22 Apr 24
I would like to thank Pamela and David at Lending Bankers Mortgage for their exceptional service in helping me find the right loan for my primary residence. Their expertise and dedication made the process smooth and stress-free. I highly recommend them for their amazing customer service and professionalism.Thank you, Pamela and David, for all your help!
Theo (T-Nice Personal T.
13:50 22 Apr 24
I would like to thank David and Pamela for helping our Family to get our second home in Sunny Isles Beach. We all tought it would be a complicated process to get financed but you guys communicated so well that we were able to understand every step, got to the closing table on time and really happy that it was an easy process. Again, thanks for everything and definitely will refer you guys to friends and family 🙂
Drew L.
23:23 26 Mar 24
Danny and his partners were exceptional collaborators, guiding me through a challenging refinancing process with unwavering support. Despite the project's difficulty in securing financing, their dedication and hard work ensured a perfect fit for my refinance. I enthusiastically endorse them and am already planning my next deal with them, just a month after closing the previous one.
Iban R.
01:09 07 Mar 24
La experiencia que tuve con Juan Grieben fue sumamente positiva. Desde el inicio, se mostró notablemente atento, brindando información detallada en cada etapa del proceso. Su actitud proactiva y su enfoque informativo hicieron que la gestión del préstamo fuera fluida y clara. Definitivamente, lo recomendaría por su profesionalismo y compromiso en brindar un servicio de calidad.
Jerry P.
17:58 07 Feb 24
I don’t know how else to put this… THESE people know ALL the moves. Over the many years I’ve been an accountant, I’ve worked with many mortgage brokers. This team is BY FAR, the BEST I’ve worked with.Bruce Davenport & David Otero really changed my outlook on what it is brokers do. I was able to get quick hard money for 2 projects in the same week. Phenomenal.
David O.
19:54 04 Feb 24
This was the best experience. Thank you for the excellent service!
Anthony Z.
12:01 08 Jan 24
Five Stars Miami Sunshine, All Thanks to Juan G. at Lending Bankers Mortgage!From pre-approval to closing day, Lending Bankers Mortgage was a dream come true, and the sunshine in that dream was Juan G.. This is not just a five-star review, it's a standing ovation for the exceptional service and guidance Juan provided throughout our entire home-buying journey.As foreign buyer, I was equal parts excited and terrified. Juan calmly and patiently walked me through every step, explaining complex terms in clear language and always taking the time to answer our endless questions. His knowledge of the mortgage landscape was impressive, and he offered tailored solutions that fit my unique needs and financial situation.Juan wasn't just a loan officer; he was our champion and cheerleader. He kept us informed every step of the way, celebrating our victories and reassuring me through any minor bumps. His proactive communication meant I never felt lost or in the dark, and he was always responsive and accessible, even after hours and on weekends.The entire Lending Bankers Mortgage team was fantastic, but Juan G. made the experience truly exceptional. He exceeded every expectation and turned the potentially stressful process of buying a home into a smooth, pleasant experience. We genuinely looked forward to each interaction with him, and his genuine enthusiasm for helping us achieve our dream was truly infectious.If you're looking for a mortgage lender who goes above and beyond, look no further than Lending Bankers Mortgage and ask for Juan G.. He's not just a mortgage expert; he's a home-buying hero!Thank you, Juan, for making dreams reality! You deserve all the stars in the sky and then some.Sincerely,A Happy customer (and lifelong friend of Juan G.!)P.S. If you're reading this David Otero, Lending Bankers Mortgage President, give Juan G. a raise! He's worth his weight in gold Thank you also David for supporting Juan G and getting this setup in good time for me!
Natalia A.
23:52 03 Jan 24
I am so happy with the assistance I received from Pamela Borrero throughout my mortgage process. Her expertise and dedication made the entire experience smooth and stress-free. If you're looking for someone reliable and efficient in the mortgage journey, I highly recommend her. Thank you for your support!
tjpaulino
17:41 29 Dec 23
I want to distinguish your agent Gabriel Corrientes, who deserve an A plus at your company. Gabriel was the pushing gas engine on my loan application and he made possible to close my case within the 14 days period. Thanks a lot Gabriel for all your assistance. Have a happy 2024.Also, my appreciation to Mr. David Otero, who from the beginning of negotiation, he and Mr. Gabriel introduce themselves and inspired me the trust to proceed with the loan.Yours,Tobias J. Paulino
Cristina M.
01:13 20 Dec 23
David , Gabriel and Nathaly gave me the requirements to save time even before passing the offer. They made a pre qualification so i knew already my capacity to borrow a property, also they offered me different programs that lenders have on market , and they chose the one that fixs my needs.Once pre approved the process for preparation the closing last just a few. The closing was very smooth all the funds came on time right 24 hours before. I really felt confidente and the Team worked fast, coordinated and accurate. I full recommend them.
karolina m
01:46 29 Nov 23
Lending Bankers Mortgage (Danny Perez and David Otero) was recommended by RPM Luxe Realty. From day one, Danny made me feel comfortable. I went through the pre-approval, approval, clearing to close, etc. processes with Danny figuratively holding my hand the entire time. There were times when I was literally crying because I was so frustrated and scared and Danny made me feel like everything would be okay. In general, I think RPM Luxe and Lending Bankers Mortgage make a great team. Danny is very relaxed and I’m not sure that he ever feels stressed, which is something unfamiliar to me. I think it’s because he has been doing this for quite some time.Additionally, Danny treats his clients like family. If anything is wrong, Danny takes it personally as though it was his own personal situation.If you are looking for 24/7 concierge service, Danny and David are your guys. After the Thanksgiving holiday, Danny was inflight and texting and emailing the entire time. I was grateful that American Airlines’ Wi-Fi was working so well.
jazmin C.
17:18 23 Oct 23
Rodrigo y David nos ayudaron de principio a fin y se aseguraron de contestar todas las preguntas que teníamos. Los recomiendo de corazón y volveremos a trabajar con ellos en la próxima casa que compremos.
Paula U.
21:40 17 Oct 23
Gracias Juan G y David por su asesoramiento y ayuda para poder concretar la compra de mi unidad! Todo fue muy simple y claro desde el comienzo.
Dorotea L.
15:04 17 Oct 23
Our experience with Danny Perez has been nothing short of PHENOMENAL. In a last-minute decision, we wanted to move our closing date up by two weeks, and Danny made it happen with absolute ease. The team is not only fantastic and responsive, but they also efficiently handle all queries and swiftly get everything organized. With Danny, what we anticipated to be a nerve-wracking experience turned out to be a breeze. A huge thank you to Danny and his team for their incredible assistance! We will undeniably come back for your top-notch services in the future!
Juan D. P.
14:28 17 Oct 23
Gracias Lending bankers por toda la ayuda, Excelente servicio y muy agradecido con David Otero y Gabriel quienes ayudaron a que todo el proceso fuera fácil y lograra la meta! 100% recomendados
Maurice
02:06 17 Oct 23
Thank you to David Otero and Gabriel Corriente for making the process as smooth as possible. I highly recommend working with them.
Leon Francois Properties L.
23:36 16 Oct 23
Everything was on schedule and on time. I highly recommend Dany he made our transaction as smooth as possible! Looking forward to working with Danny and the LB team again!
angela B.
16:42 16 Oct 23
Danny Perez was excellent, I highly recommended him.
Vanessa C.
16:33 16 Oct 23
I had the pleasure of working with Danny Perez. He is extremely helpful and professional. He answered all of questions throughout the process and made it so easy. Without hesitation, I would recommend their services to anyone seeking a mortgage professional.
Emmy R.
16:17 16 Oct 23
Danny was super helpful and easy to work with !
Juno P.
15:02 16 Oct 23
Danny Perez did a wonderful job with my clients and looking forward to working with again.
Obdulia S.
23:00 15 Oct 23
I am incredibly grateful to David Otero and Gabriel at Lending Bankers they have provided me with great assistance with my new mortgage. Their expertise, passion, and continuous support were critical in making the entire process run smoothly. They went above and above to ensure I understood every step and got the best possible offer. I definitely recommend David Otero and the team of Lending Bankers team to anyone in looking for a mortgage. Thank you so much for your exceptional service and professionalism throughout this process!
Paulina C.
00:14 16 Aug 23
I had the pleasure of working with Danny and David on a recent transaction. Their proactive approach, lightning-fast responses, and remarkable problem-solving abilities truly stood out. Without hesitation, I would recommend their services to anyone seeking a reliable and efficient mortgage professional.
Annia T
11:35 09 Aug 23
Lending Bankers is one of the Lending institutions you will not regret to work. All of them are very knowledgeable and helpful to make this stressful process better for their client. David Otero and Gabriel Corrente help me to find a good Mortgage for my transaction in 1 Week!! Amazing 👏!! Thanks a lot for all your assistance and for keep me posted in every step. I will recommend them 💯
Armando M.
14:09 08 Aug 23
Smooth process.Reliable.Assertive.Energy and intensity when it is needed.I will use them again for sure.
Alex D.
16:02 02 Aug 23
We called Danny one week before closing after our former lender backed out. From the jump Danny was on top of things and didn't stop until it was closed, even more, we closed a day early. Simply put, Danny can make it happen!
Michelle Coalla R.
18:29 01 Aug 23
Danny was great! Our client couldn't get funding from their lender last minute and Danny was able to close our client in less than a week! He really saved this deal. On top of that, he was so kind and always on top of everything to make sure we met the deadline.
Maximillian D.
17:59 01 Aug 23
Called Danny a week before closing and the man saved my deal and was professional all the way through can recommend
Jorge V.
21:00 27 Jul 23
GabrielTe estoy escribiendo para agradecerles con David por el trato que nos dieron en la ocasiónDel cierre de nuestra financiación para compra de departamento en el edificio Missoni BaiaNos sentimos muy a gusto les felicito y ojala mas adelante podamos hacer otro negocios.Muchas Gracias AbrazosJorge
Maria T.
21:03 22 Jul 23
Mariya and Gustavo are truly exceptional mortgage loan originators, and I cannot recommend them enough. Their commitment to providing top-notch service to their clients is second to none. Throughout my entire home buying process, they were patient, consistent, and always available to answer any questions I had. If you are looking for mortgage loan originators who are professional, knowledgeable, and simply the best, then look no further — they will not disappoint! Thanks so much again:)
Carlos R
18:52 20 Jul 23
Fantastic experience from Lending Bankers. From start to finish David and Rodrigo provided top notch service with their professionalism and attention to detail. 10/10!!!!
Andreina E.
00:06 20 Jul 23
Excellent and professional service, Danny and David have helped many of my clients obtain their home mortgages. I recommend them
Lucia Robles A.
13:52 17 Jul 23
David y Rodrigo nos dieron un servicio excepcional de principio a fin. Todo fue muy fácil y me sintieron sentir muy cómoda. Los recomiendo de corazón ya que son muy profesionales.
Luna A.
15:29 15 Jul 23
I would like to extend my sincere gratitude to Gustavo, Katherine and Mariya for the outstanding services they provided me during the purchase of my house. This is not the first time that Gustavo has assisted me in buying a property, and I can confidently say that he is an asset to the mortgage industry. His commitment to clients is truly remarkable. Despite the challenges that came up during the transaction, Gustavo and his team were always there to find quick solutions and work tirelessly towards a successful outcome. I have no hesitation in recommending them to anyone in need of a reliable mortgage professionals. Thank you!
jesus P.
14:11 10 Jul 23
Mariya & Gustavo, what I appreciate the most about you is your dedication to finding the best mortgage solution. Thank you for taking the time to understand my needs and goals, for working tirelessly, exploring all viable options until we've found the perfect fit. My sincerest gratitude to your expertise and knowledge, and yes! — we were able to secure an excellent interest rate, which ultimately led to a more favorable financial outcome for me.
One Luxury M.
19:16 06 Jul 23
I would highly recommend Pamela Borrero to anyone looking for a mortgage broker. Her expertise, professionalism and dedication to her clients make her a top choice in the industry. I am truly grateful for her assistance and the positive experience I had working with her.
Chris B.
19:10 05 Jul 23
Thank you guys for such a fast closing on the 2 acres I bought to develop my fourplex property. Nobody wanted to lend me the money without developer experience but you guys helped me partner up with the right GC that had all the necesary experience and now looking forward to the construction and the permanent loan after. Looking forward to many more developments in the near future.
Willy S.
19:45 04 Jul 23
Dear Lending Bankers team, I would like to thank you all for helping me purchase my multiunit investment property financing 85% of the purchase price with a great rate and record times, this was a very challenging transaction but you guys made miracles happen, will definitely recommend you to friends and family
Sam T.
02:51 04 Jul 23
David, thanks for helping me and my business partner acquire the space we needed. Your comparison analysis on payments, cash on cash returns and amazing fixed rate program helped us want to proceed on this deal and we're very happy we did. You are more than a financial advisor in the real estate arena, you have a great understanding on how to utilize real estate assets to build wealth and that's something I never before had help with. No realtor, or financial advisor I've encountered knew how to crunch the numbers and get the most value like you do. Forever gateful for your assistance and I will definitely refer my family and friends to you. Thanks again!
D A
16:44 03 Jul 23
As a foreign national taking on a mortgage for the first time in a different country, I felt apprehensive and concerned about navigating the process. However, my worries were alleviated thanks to the exceptional service provided by Gustavo and Mariya. Their in-depth knowledge of the mortgage industry, combined with their outstanding customer service, made my experience stress-free and seamless. I truly couldn't be more grateful for your guidance and expertise. Highly recommend - you guys are the best!
Duber B.
03:19 03 Jul 23
You guys always deliver, 4 years sending you all my clients and always finding a solution even to the most challenging cases, highly recommended to anyone looking for real professionals.
Alysia L.
23:46 28 Jun 23
I had an amazing and professional experience working with Mariya and Gustavo from Lending Bankers Mortgage! From the moment we began working together, they were very helpful and responsive to any questions or concerns my partner and myself had throughout our home buying experience. They are extremely knowledgable and made sure that we understood every step of the process so that we felt confident with our decisions. We were first time homebuyers (yes, we closed!), so it was great to have their support. We highly recommend them for anyone looking to finance in order to buy a home. Thanks to them and their team, we now have our amazing new home! Thank you Mariya and Gustavo!!
Ezequiel D.
04:16 28 Jun 23
Thanks Juan G. and David Otero for an excellent service. The loan process was very smooth and easy. They are in charge of my real estate portfolio. Highly recommended.
javier P.
17:50 27 Jun 23
I want to thank Danny Perez and David Otero for all their support, for their kindness and for being a great and very professional work team. Thanks for everything
G N
17:41 27 Jun 23
I would like to thank directly to Danny Perez and David Otero for their professionalism and support! It’s definitely a pleasure working with both of you, thanks again.
Gaetano Alessi J.
17:26 27 Jun 23
Im having an excellent experience working with Danny and his team! They’re helping me find and secure a mortgage that fits my budget. The staff is knowledgeable and responsive throughout the entire process, always answering my questions and addressing any concerns I have. They truly go above and beyond to ensure everything will go smoothly and I feel confident in my decision. I highly recommend them for anyone looking to buy a home or commercial property to secure financing. Looking forward to it, Thank You!
jessika P.
16:38 27 Jun 23
The best David Otero and Danny Pérez, reliable, safe and above all very efficient.
Michael L.
14:24 27 Jun 23
Amazing customer service attention to detail, highly recommend.
Manolo E.
13:20 27 Jun 23
Excellent service! Definitely will recommend Danny Perez and David otero to my friends and clients🙌🏼
Vladimir L. J.
13:04 27 Jun 23
I had the pleasure to work with Danny Perez and David Otero on my first real estate transaction. Let me tell you you I never felt more comfortable in my life until I rusted them to handle the mortgage of my property. They were super knowledgeable and easy to work with throughout the whole process from A to Z. I couldn’t be more grateful amd appreciated to them both. Thank you 🙏 for the amazing experience. You guys rock
Maz M.
13:00 27 Jun 23
Danny is incredible. Extremely passionate and gets the job done. Highly recommend him and his team.
Nicolas P.
12:59 27 Jun 23
Danny Perez and David Otero are great to trust and work 🔏😎
Idania B.
23:59 26 Jun 23
I owe a huge debt of gratitude to David Otero, Gabriel, and the entire Lending Bankers staff for their outstanding assistance and persistent focus during the loan application process. Although buying my first investment property in Miami as a foreigner looked intimidating, their knowledge and direction made the process easy. Their attention and expertise went above and beyond my expectations, ensuring that all of my concerns were swiftly addressed. In receiving the financing for my property, David's knowledge as a mortgage broker and Gabriel's assistance were crucial. They come highly recommended by me to anyone looking for a trustworthy business. I'd want to express my gratitude to David Otero, Gabriel, and the Lending Bankers team for realizing my dream of owning a Miami investment property.
Ybrahim G.
14:54 26 Jun 23
The great thing about working with Nathaly V and Gabriel was how they can LISTEN first to my needs and ideas, and then using their experience and network to provide me with multiple options, analysis, recommendations and save me TIME on the process of getting my investment property mortgage. Transparent and timely communication was impressive and how smooth the process was from beginning to closing. Fully recommended for getting a great deal and peace of mind in your investment.
gabriela V.
21:44 02 Jun 23
Gracias Juan Grieben!!! Me ayudaste desde el principio hasta el final a lograr el prestamo de construccion para mi empresa. Siempre fuiste muy claro y sincero. Eres ademas muy organizado y fue facil el camino con tu ayuda. Lending Bankers Mortgage es un aliado increible para mi y mi negocio.
Graciela R.
23:40 20 Apr 23
Durante todo el proceso, desde la evaluación inicial del caso hasta el cierre final, el apoyo recibido ha sido excelente. El trato ha sido profesional, siempre presentes para aclarar las dudas y obtener la guía necesaria para reunir con éxito los recaudos necesarios. Definitivamente Nathaly y Gabriel son los mejores en el área, altamente recomendados!
Melissa A.
14:35 01 Apr 23
Strong follow from the beginning with Danny Peréz was our agent plus David Otero focus in the other points on the transaction. Looking for to our next property deal. Thanks guys !
Luke F.
23:43 31 Mar 23
Danny has done a brilliant job. Hard working, always available and super efficient. Great experience and made the whole process super easy. Would reccomend!
Cheri S.
20:29 28 Mar 23
Working with Danny Perez was the best thing i could ever done. I am a widow and I was left to manage multiple properties when I lost my husband I had to use hard money lenders and my portfolio was really being drained by unfavorable loans. Danny perez fought to understand and manage ever aspect of my portfolio. I would text him at 5 am in the morning and on weekends he relentlessly facilitated my new mortgages. He is a man who lives by his word and fought to get me the lowest rates and safest mortgages as a family member would.I can’t speak highly enough about him. There are few lenders who would work the long and tedious tasks that he endured to help me.I hope one day I can repay him He is incredible in passion and his expertise is beyond any executive mortgage brokerCheri Surloff Phd Psyd
leslie R.
20:15 28 Mar 23
We had a great experience working with Danny Perez.He is very experienced in the negotiations and very meticulous with his paperwork.He can be reached 24/7 and never gives up until he has reached his goal. I look forward to working with Danny on many more investments.Absolute professional in everyway.RegardsLes. RANCE
Mauricio S.
21:45 28 Feb 23
Gabriel Corrente , de Lending Bankers , ha sido el profesional que hemos encontrado , desde nuestra llegada a los Estados Unidos, que mejor trato, mejor información, mejores opciones nos brindo durante nuestra financiación para la compra de vivienda. Como Latino , estamos acostumbrados a tener una relación cercana con quien nos va a dar o tramitar un crédito . Fuimos a muchos bancos y todos fueron muy impersonales , la diferencia estuvo en Gabriel Corrennte y Lending Bankers ya que nos llevo de la mano durante todo el proceso y nos dió la orientación necesaria para poder cumplir con todos y cada uno de los requisitos y tramite .Gracias Gabriel, Gracias Lending Bankers por se nuestro nuevos mejores amigos y asistente para créditos.MAURICIO Y MARIA DEL ROSARIO
Boris M.
14:45 24 Jan 23
Incredible, great opportunities, with Mr. Juan Grieben, if you want to buy a property, this is the right place
Franki Luis Reyes N.
16:18 19 Jan 23
Son muy eficientes y buenas trabajadoras Ana, Maria y Claudia
Marieva L.
15:11 19 Jan 23
Efficiency and responsibility. Ana, Claudia y María they advise the client very well.
ESTEFANY G.
15:11 19 Jan 23
Un explendido y excelente servicio de Ana, María y Claudia
michell N.
15:05 19 Jan 23
Excelente servicio y atención de parte de claudia, Ana y Maria
MULTY I.
15:01 19 Jan 23
EXTRAORDINARIO TRABAJO , ATENCION Y DEDICACIÓN A CADA EXPEDIENTE Y CASO . MUCHAS FELICITACIONES. ANA, MARIA Y CLAUDIA
yris H.
15:00 19 Jan 23
Excelente atención, de Claudia,Ana y María .
angelica R.
14:11 06 Dec 22
La eficiencia y calidad de servicio fue Excelente, hasta superar nuestras expectativas! El equipo competente y profesional de Ana, Maria y Claudia nos hicieron sentir siempre en confianza y seguros!
Orangel B.
23:46 03 Dec 22
Llegando de Colombia tuve la suerte de contar con el apoyo de Ana, Claudia y Maria. Excelente Feedback e increíble la velocidad con la que me atendieron todos mis requerimientos.Profesionales con un servicio de 5 estrellas.
Daniela L.
20:06 02 Dec 22
Gracias a Ana, Claudia y María son muy profesionales y eficientes, además que el trato es otro nivel, súper personalizado y amable. Las recomiendo cien por ciento!!
alfonsoRon V.
20:46 29 Nov 22
I never thought that I will found in one place the services that I need for my mortgage, and the property that I was looking for. Ana, Claudia and María the three of them, make the perfect team.
Ángeles C.
20:59 27 Nov 22
I loved the service offered by Claudia, Ana and Maria, they were recommended to me because I was looking to buy a vacation home to visit family that I have over there, and the result was better than expected, the best team, keep up the good work Girls!!!
Licensed by the Florida Office of Financial Regulation Mortgage Broker #MBR352, NMLS #383682
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Lending Bankers Mortgage LLC is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. Disclaimer: Programs subject to change without notice. All borrowers must qualify per program guidelines.
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