Miami · Miami-Dade County

Miami home loans, en inglés o en español.

From a first condo in Doral to an investment property in Kendall, I help South Florida buyers and investors get financed. Spanish is my first language. Soy de Puerto Rico, sin traductor.

Michael TheutMortgage Loan Originator · NMLS #2674789 · Verify ↗

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Usually same day, always within 24 hours.

Or grab a time on my calendar Ready now? Start my application

Areas I serve around Miami

BrickellDowntown MiamiDoralKendallCoral GablesHialeahWestchesterLittle HavanaMiami GardensHomesteadAventuraFort Lauderdale

I lend all over Florida, not just Miami, and DPA programs all over Florida. Investment loans in select states nationwide.

Who I help in Miami

Every way to finance South Florida real estate.

First-time buyersDPA programs all over Florida, wherever you buy. FHA, Conventional, VA and USDA, and a plan if you're not ready yet. InvestorsDSCR, fix and flip, bridge, portfolio and LLC loans. Out of state is still my business. Builders & developersConstruction, land, multifamily and financing for your buyers. HomeownersFlorida HELOCs, cash-out and refinance. Keep your low rate where it makes sense.

Local knowledge

What Miami buyers should know.

Condos: check the building before you offer

After Surfside, Florida requires milestone inspections and structural integrity reserve studies for many older condo buildings. Fannie Mae won't buy loans in projects with unresolved critical repairs, and the top reasons projects are ineligible include insurance and inspection issues. Before you make an offer, I check the building so you don't find out at underwriting.¹²³

Flood and windstorm insurance drive the real cost

Much of Miami-Dade is in FEMA high-risk flood zones, where federally backed mortgages require flood insurance for the life of the loan. Get insurance quotes early. They change the monthly cost more than most buyers expect.⁴⁵

Investors from abroad and self-employed buyers

Miami draws investors from all over Latin America. There are programs for foreign national buyers and for self-employed borrowers who qualify on bank statements instead of tax returns. Explico todo en español.

Primary home? File homestead with the Miami-Dade Property Appraiser ↗ by March 1. Buying a condo? Read what lenders check after Surfside.

Free tools

Free DPA checkSee what down payment help you may qualify for.→DSCR calculatorCheck if a rental's rent covers the payment.→Florida HELOCKeep your low rate and borrow around it.→

Miami FAQ

Straight answers.

¿Hablas español?

Sí. Soy de Puerto Rico y el español es mi primer idioma. Todo el proceso, desde la pre-aprobación hasta el cierre, puede ser en español.

Can I finance a condo in an older Miami building?

Often, yes, but the building matters as much as you do. Projects with unresolved critical repairs or insurance problems can be ineligible for Fannie Mae and Freddie Mac loans. I review the building's status early and look at other programs if needed.

Do you lend to foreign national investors?

Yes. There are investor programs for buyers who live outside the US, including options that qualify on the property's rent.

Is down payment help only for this area?

No. I work DPA programs all over Florida, city, county and statewide, wherever you're buying. I check which ones fit you and pair them with the right loan. Start with a free DPA check.

Let's talk about your Miami move.

Twenty seconds to start, and you'll hear from me, not an assistant.

Get started →Call 352‑279‑5258 Apply online