If you expect potential issues with qualifying or underwriting requirements, Michael is the…read moreseasoned pro that you need on your team. He solves problems and gets the deal done. I purchased an investment property in April 2018. The appraisal came up short, repairs needed to be made and documented, and demands from the mortgage company all presented potential roadblocks. However, Michael was able to develop successful strategies to address each and every issue and meet an aggressive closing date. The communication was excellent. I was in touch with Michael almost daily and he returned calls, texts, or emails usually within a couple of hours. To his credit, Michael also assisted with issues after the deal was done. Buying real estate is never effortless. But Michael can make the process smoother.

All our expectations were exceeded BY FAR! Mike and his team of seasoned professionals found me the…read morelowest possible interest rate available and the service was top notch from beginning to end. I couldn't believe how quick and easy it was to purchase our dream home. Highly recommended. They saved my marriage!!

So knowledgeable, organized & on top of everything. Vanessa went above & beyond for me & made my…read morecondo purchase as seamless as possible. If you're looking for someone to advocate for you & educate you along the way, she's your girl. I can't recommend her enough!

From the owner: What sets VMB Loans apart is our ability to serve clients who don't fit into a traditional lending…read morebox. We specialize in helping self-employed borrowers, real estate investors, foreign nationals, and buyers of unique properties secure financing solutions that many banks cannot offer. As an independent mortgage brokerage, we have access to a wide range of lending options, allowing us to match each client with a strategy tailored to their goals rather than a one-size-fits-all loan product. Our approach goes beyond simply quoting rates, we act as trusted advisors, helping clients make informed financing decisions that support their long-term financial objectives. Combined with hands-on service, transparent communication, and a commitment to guiding clients from application through closing and beyond, we strive to create a mortgage experience that is both personalized and results-driven.

Guaranteed Grade A service…read more Jeff worked so hard and fast to get our paperwork complete. I highly would recommend them to any of my close friends and family. Truly Grade A service. Give up your search and go with them, you would not be let down!

We have worked with Jeff and the team at Expert Mortgage Group for two of our home purchases and…read morewords can't describe how grateful we are. Jeff makes the overwhelm of buying a home an absolute breeze. He is an excellent communicator, works diligently with a positive attitude and is incredibly informative throughout every step of the home-buying process. We refer all friends and family to Expert Mortgage and there aren't enough words of gratitude to describe the joy of working with Jeff and the entire team. So thankful to have found such a wonderful company!

The process was fast and everyone was so helpful and prompt. It was the best experience I have had…read moreclosing. An amazing team honestly from the first to the last step. Thank you all for working so hard and helping my family. we greatly appreciate it! Sincerly Jinell & Jeff Timmons

Xaiver and his team conducted a smooth and professionally handled loan process for my son Oscar…read moreJr.. I am the real estate business and can not count the number of loans that I have personally secured and been involved with. This has to be one of the most efficient, honest and professional teams I have worked with.

Jorge helped us getting our mortgage, refinance, new mortgage when we moved and trust me on…read morethis...always always unbeatable rates, the fastest closing we had once with him was 4 days !!!

Jorge's services came highly recommended as I looked for a broker to purchase a new home and he…read moredid not disappoint, he is profesional and courteous, the process was quick and very clear, he was attentive and answered all questions, always available for any need and guiding us through every step.

John was genuine and incredibly helpful with guiding me and my wife through our first home buying…read moreprocess. Got us our dream home! Would absolutely recommend advice from him. Thanks John!

Where to start...John was amazing from the very first phone call! Always on top...what a great…read moreexperience! My loan was approved in record time, no hiccups at all. I will definitely recommend John and his team to everyone! Thank you so much!

2026: I had to move and came back to trusty Karen. Again, she helped me find my dream home in 36…read morehours. I have recommended her to all my friends and they are all so happy with her work. Thank you for all that you do! 2022: I walked by Miami Realty Solution's office one day and decided to pop my head in to see if I could start my search for a rental. That very day, Karen found several options that fit my asks and needs, and made appointments to go see the units the same day. 2 days later, I signed a lease! Thank you so much, Karen, for being so thorough and quick, and making it such a smooth process! I highly recommend Karen Vieira for your real estate needs!

We were incredibly lucky to work with Patrick. From the very beginning, he was attentive, patient,…read moreand truly cared about finding the right place for us. Communication was always smooth, He was quick to respond, honest, and went above and beyond to make the whole process stress free and also He was like one of the family. Thanks to his effort, we found a place we absolutely love. Highly recommend to anyone looking for a reliable and professional agent! Thank you Patrick!

Emmanuel is amazing as far as brokers go. He was helpful and clearly knowledgeable and always…read morereplied quickly to important emails and call with all the parties. in the transactions. He was truly cared that we closed in time and even went to our closing, to our surprise and to the surprise of even our real state agent. He was the one party that made my wife and I feel taken care of as we bought our first home, as opposed to just a number. We found Emmanuel after our first broker company neglected us and even gave us a hard time after switching. Emmanuel took all the pressure off us and made it happen. Don't hesitate to contact him. You will not regret it.

Mr. Fajardo was very knowledgeable and helpful. Was always on top of everything and would contact…read moreme every step of the way. Turnaround was quick and easy. Awesome job!!!

Buying and selling a house is not something I do every day, but we just bought our first house with…read moreProspect Mortgage and I must say Tyler Bahnsen and his group were excellent. When looking for a mortgage, I was originally only going to just go with a local bank, but getting in contact with individuals was rather complex and no one would return phone calls (not a joke, I tried... really and we even have an account at this particular bank). Tyler at Prospect was recommended to me and he even meet with my wife and I on a government holiday to get my pre-approved arranged for an offer I was making on the same day (small house in the Grove). That deal fell through, like so many others, but the last one worked. Prospect's fees are rather reasonable, and the rates are extremely competitive for the Miami market. Also, they will talk with you and answer your questions! And, they move your package through the system at a rate faster than most groups can. I know, as I am presently waiting on a buyer's bank (not Prospect) to close on the property I am selling. I would especially recommend Prospect if you are doing a FHA 203k loan, as they truly have a lot of experience with this program. At present we have a 203k, which we are using to renovate a roof on 1965 home. Prospect helped us get all of our required information from the contractor organized - and they communicated in a timely manner when issues occurred during the process. Let's face it, buying a home in today's market requires much more review and paper work than say 6 years ago. And, this is the important part, if your brokers is on the ball, they head off any issues and get in contact with you quickly, so that the proper information may be acquired. I had a great experience with Prospect in Coral Gables (used to be in the Grove) and Tyler's group.

Jackie Almendarez took care of our loan application, the process was complicated but she did an…read moreamazing job , she fund solution to our situation and made it happen. She is also very nice person very responsive anytime you have a question . I will definitely recommend her to everyone around me and will use her services again

Dear Phil, We wanted to take a moment to sincerely thank you…read moreand the entire team at Next Wave Mortgage for everything you did to make our mortgage process such a positive experience. Before working with you, we were disappointed and let down by the empty promises of other mortgage companies. After hearing so many assurances that never materialized, we were understandably skeptical. That's why your approach stood out from the very beginning. You told us exactly what you would do and when you would be able to do it--and you delivered on every single promise. Honestly, there were times when it was hard to believe the process could move as quickly and smoothly as you said it would, but you proved us wrong in the best possible way. You did exactly what you said you would do, in the time frame you promised. We were also extremely impressed by how pleasant, responsive, and communicative your entire team was throughout the process. Everyone we worked with was professional, helpful, and genuinely committed to making things as easy as possible for us. The efficiency and professionalism of Next Wave Mortgage truly set your company apart. Our real estate agent was equally impressed with the way your team operates. He specifically commented on the experience and has already said that he will be recommending Next Wave Mortgage to his other clients. We think that speaks volumes about the impression your company made--not only on us, but on the professionals who work alongside you. We are extremely appreciative of all the hard work that went into getting us to the finish line. We are amazed by the efficiency, communication, and professionalism you and your team demonstrated from start to finish. Thank you for restoring our confidence and showing us what exceptional customer service truly looks like. We are incredibly grateful for everything you did for our family and would not hesitate to recommend you and Next Wave Mortgage to anyone looking for a mortgage company they can trust. With sincere appreciation, Devin and Quana Lott

I couldn't be happier with the experience I had working with Phil Ganz on my DSCR loan for my…read moreAirbnb property! I needed a cash-out refinance on an investment property and Phil made the entire process incredibly smooth, fast, and stress-free. From the very first call, Phil demonstrated deep expertise in DSCR loans, investment property financing, and short-term rental mortgages. He walked me through exactly how the debt service coverage ratio would qualify the property based on its Airbnb income instead of my personal W-2s -- something most traditional lenders won't touch. His knowledge of non-QM lending and cash-out refinance options for real estate investors was exactly what I needed. Phil handled every detail with professionalism and transparency. The application was simple, the communication was constant, and he pushed the file through closing well ahead of schedule. I was able to pull significant equity out of my Airbnb while keeping my personal debt-to-income ratio completely out of the picture. If you're a real estate investor looking for a DSCR loan, Airbnb financing, investment property cash-out refinance, or any non-QM mortgage solution, Phil Ganz is the mortgage broker you want on your side. He's responsive, knowledgeable, and truly delivers results. I've already referred two other investor friends and will continue to do so. Thank you, Phil -- you made a complicated process feel effortless! Highly recommend to anyone needing DSCR loans or investment property financing. 10/10!