The Exceptional Team Behind MCL

Who We Are

At Miami Capital Lending, we specialize in tailored residential mortgages for both home purchases and refinancing. Our personalized services include a wide range of options such as FNMA/FHLMC specialty loans, 90% LTV with no mortgage insurance, and 95% LTV for credit scores as low as 580. We also offer 15-30 year loans, ARM mortgages, fixed mortgages, VA loans, equity lines, FHA loans, conventional loans, jumbo loans, reverse mortgages, and USDA loans.

The founders of MCL have been turning homeownership dreams into reality for nearly 30 years.

Much like many of our clients who achieve financial stability through homeownership, we began from humble beginnings. Starting in 1992 in a small suburb of Miami with a modest office suite, we have grown significantly alongside the homeowners we serve.

We extend our heartfelt gratitude to all our borrowers who have enabled us to expand our lending capabilities over the past two decades. Through dedicated financial support and services, MCL has proudly funded over $880 million in home loans, contributing to the dreams of countless satisfied homeowners.

RECENT CASE STUDIES

Second Chance Buyer

We recently assisted a client that was turned down by his bank because she had had a foreclosed property in the past. This particular client had lost their employment due to health issues and even though the borrower healed and had taken on two jobs to make ends meet they were not able to catch up with the payments due and unfortunately lost their home. Upon reviewing their case we found a program that allowed them to purchase a new home. We are very happy to know that they were able to achieve their goals. We are blessed to have served this beautiful family overcome their obstacle.

WHO WE ARE

Company Profile

For over 30 years, we have been dedicated to delivering exceptional results for our clients with unwavering passion.

We’ve worked with the majority of purchasers, title companies, lenders.

  • We give our clients their best options
  • We shop for the best lender base on needs
  • We walk our clients thru the process
  • Home buying experience made painless
FREQUENTLY ASKED QUESTIONS

FAQ

These FAQs help clients understand the mortgage process and make informed decisions.

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1. What do we do?

A mortgage company like Miami Capital Lending LLC (MCL) helps clients secure home financing and refinancing with personalized loan options, competitive rates, and expert guidance. We streamline the process with a user-friendly application and real-time updates, ensuring a smooth, transparent, and supportive home-buying experience… view all

  1. Conventional Loans
  2. FHA Loans
  3. VA Loans
  4. Jumbo Loans
  5. USDA Loans
  6. Fixed-Rate Mortgages
  7. Adjustable-Rate Mortgages (ARMs)
  8. Reverse Mortgages
  9. Equity Lines

We offer diverse mortgage solutions to fit various financial needs and goals.

Competitive Rates at MCL

At MCL, we offer a variety of competitive rates tailored to your financial needs, including:

  • Fixed-Rate Mortgages: Stable rates throughout the loan term.
  • Adjustable-Rate Mortgages (ARMs): Lower initial rates that adjust over time.
  • Jumbo Loan Rates: Competitive rates for high-value loans.
  • VA and FHA Loan Rates: Special rates for eligible veterans and first-time homebuyers.

Our goal is to secure the best possible terms for your mortgage.

We take pride in our ability to learn the fundamentals of virtually any industry or technology quickly. Some of the markets we have served include green technologies, medical devices, biotechnology, Internet/e-commerce, telecommunications, distance education/e-learning, real estate… view all

Prequalification gives you an estimate of what you can afford, while preapproval involves a more detailed review of your finances and provides a conditional loan offer.

Typically, you’ll need proof of income, tax returns, bank statements, credit history, and identification.

The process usually takes 30-45 days from application to closing.

Closing costs include fees for appraisal, title insurance, and other services. They typically range from 2-5% of the loan amount.

Yes, you can lock in your interest rate. Rate locks usually last from 30 to 60 days, depending on the lender.

PMI is required when your down payment is less than 20% of the home’s purchase price. It protects the lender in case of default.

Higher credit scores typically qualify for lower interest rates, while lower scores may result in higher rates and stricter loan terms.

Some loans have prepayment penalties, but many do not. It’s essential to check the terms of your specific loan or ask you loan officer.

An escrow account is used to pay property taxes and insurance premiums. The lender collects these payments monthly and pays them on your behalf.

Missing a payment can result in late fees and negatively impact your credit score. If you anticipate trouble making payments, contact your lender immediately to discuss options.

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FHA / CONVENTIONAL
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ALTERNATIVE MORTGAGES
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REVERSE MORTGAGES
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PRIVATE MORTGAGES
important milestones in the buying process

Home Buying Timeline

With a long list of satisfied clients who have become cherished friends and our most valued source of referrals, we are deeply grateful. We look forward to continuing our service to this and many other communities in the years to come. We sincerely thank those who have placed their trust in us and contributed to our growth through their generous word-of-mouth recommendations.

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Get Prequalified

Mortgage prequalification is an initial step in the mortgage application process. It provides you with an estimate of how much you might be able to borrow based on a preliminary review of your financial situation.
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Find Your Home

Work with a realtor to find your ideal home by discussing your needs, viewing properties, and making offers. They will guide you through negotiations, inspections, and closing the deal smoothly.
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Executed Contract

An executed contract in home buying is a legally binding agreement signed by both the buyer and seller. It outlines the terms and conditions of the sale, including the purchase price, closing date, and any contingencies. Once both parties have signed, the contract is considered "executed" and the home sale process can proceed.
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Processing and Underwriting

During mortgage processing, a loan processor collects and reviews your financial documents. The file then goes to underwriting, where an underwriter assesses your creditworthiness and the property's value. They verify your income, credit score, and assets, and may request more information. If approved, the loan moves to the "clear to close" stage, indicating all conditions are met and the loan can proceed to closing.
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Closing

At closing, the buyer signs final documents, pays closing costs, and receives the keys to the home. The seller receives payment for the property. It typically includes reviewing the settlement statement, signing the mortgage note, and transferring ownership. The process from prequalification to closing usually takes 30-45 days, depending on factors like loan type, documentation completeness, and appraisal timing. After closing, the transaction is recorded with the local government.
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