Palmetto Bay · Miami · Licensed throughout Florida
Your local, independent
Miami mortgage brokerage
We're independent, so your file goes to dozens of lenders instead of one bank's rate sheet. You'll work with the same licensed loan officer from the first call through closing.
- 5.0 from 170+ client reviews
- Independent — dozens of lenders
- NMLS #2085021
- No credit pull to start
What would the payment actually be?
Move the sliders. No email, no credit pull.
Assumes a 30-year conventional loan and includes estimated Florida property tax, homeowners insurance and PMI. An illustration only — not a quote, and not a commitment to lend. Run your actual scenario.
What we're known for
Five programs that move the needle
Most brokers quote you the same conventional loan everyone else does. These are the five files we're asked for by name — because they solve the problem that was actually stopping you.
5 Day HELOC
Tap your equity without touching the low rate on your first mortgage. Automated valuation, soft credit pull, e-close — funded in as few as five business days instead of the usual six weeks.
- Up to 85% combined loan-to-value
- Fixed-rate draw — no payment-shock surprise
- Primary, second home or investment
Florida Hometown Heroes
State down payment assistance for Floridians who work here full-time. Up to $35,000 toward your down payment and closing costs at 0% interest, deferred — no monthly payment on the second.
- 5% of the first mortgage, $10,000 minimum
- 640 FICO · full-time Florida employer
- Funded first-come, first-served each year
DSCR — investor loans
The property qualifies, not your tax returns. If the rent covers the payment, you're in — no W-2s, no pay stubs, no debt-to-income calculation, and no cap on how many you own.
- Qualify on rent ÷ payment (DSCR)
- Vesting in an LLC is welcome
- Short-term rental income considered
VA loans
The strongest loan in the country and the one most often left on the table. Zero down, no monthly mortgage insurance at any loan-to-value, and no statutory loan limit for a veteran with full entitlement.
- $0 down · no monthly MI, ever
- Funding fee waived for eligible disabled veterans
- Reusable — and refinanceable via IRRRL
FHA 100% DPA
An FHA loan where assistance covers the entire 3.5% minimum investment — so you can buy with nothing down while keeping FHA's forgiving credit and debt-to-income guidelines.
- Assistance covers the down payment in full
- Deferred or repayable second — your choice
- Gift funds and seller credits still allowed
Not sure which one fits?
That's the actual job. Tell us the situation — the credit, the income, the timeline, the thing you're worried about — and we'll tell you which of these gets you there, or tell you straight that none of them do yet.
Broker, not banker
One application.
Dozens of lenders competing.
A bank has one rate sheet and one set of guidelines. When your file doesn't fit, the answer is no. As a broker we take that same file to a wholesale marketplace and let lenders compete for it — which is how a "no" becomes a "here are three ways to do this."
Wholesale pricing, not retail
Wholesale lenders don't carry branch overhead, and they price accordingly. That gap usually shows up in your rate, your closing costs, or both.
A guideline problem is a lender problem
Self-employed. Recent credit event. Non-warrantable condo. Fifteen rentals already. Different lenders draw those lines in completely different places — we know where.
You get a person, not a portal
The same loan officer from the first phone call to the closing table. Nights and weekends included, because that's when people look at houses.
The loan process
Six steps. No mystery.
You'll always know which one you're standing in and what happens next.
Pre-approval
Your golden ticket. We verify income, assets and credit up front so your offer is taken seriously — and so nothing ugly surfaces in week five.
Find the home
Shop with a real number in hand. We'll talk to your agent directly and re-run the payment on any property you're serious about.
Application
Once you have an address under contract, the official file opens. We tidy it up and collect updated documentation — usually a short list.
Processing
Our processor reviews everything, orders the appraisal and title, and prepares the package for underwriting.
Underwriting
The underwriter evaluates the file and issues the approval, usually with a short conditions list. We chase those conditions, not you.
Closing
Documents go to the title company, final numbers are confirmed against your Closing Disclosure, and you sign. Then you get the keys.
Do the math first
Seven calculators that tell you the truth
Most mortgage calculators show principal and interest and call it a payment. Ours carry Florida property taxes, insurance, HOA, and the right mortgage insurance for the actual program — including when PMI falls off, what the VA funding fee adds, and what a Hometown Heroes second does to your cash to close.
- Monthly payment — full PITI by program, with the amortization schedule
- Affordability — solved backwards from your real debt-to-income
- 5 Day HELOC — how much equity you can actually reach
- DSCR — the ratio a lender will calculate, before you apply
- Refinance — with an honest break-even and a same-term comparison
- Early payoff and rent vs. buy
Every calculator gives you
- A shareable link that saves your exact scenario
- A one-click email of the numbers to your loan officer
- A downloadable amortization schedule (CSV)
- A clean print view for your file
Nothing is sent anywhere. The math runs in your browser and your inputs stay on your device unless you choose to email them to us.
Client reviews
Rated 5.0 across 170+ reviews
Real reviews left by real clients on Zillow. First names only, because they're people, not marketing.
“From start to finish, the entire mortgage process was smooth, stress-free, and exceeded all of my expectations. Yemani was extremely professional, knowledgeable, and responsive.”
“Yemani was great to work with! He was knowledgeable, professional, and guided me throughout the entire process of doing a cash out refinance on an investment home.”
“Secure the Funding was able to secure a First Time Homebuyer loan for my client and she only brought $2,500 to closing!”
“Secure The Funding is an amazing resource for first-time homebuyers… Their team is patient, knowledgeable, and makes everything feel less overwhelming.”
“Great customer service, they were able to quickly get me pre-approved for my investment loan.”
“Secure The Funding is an awesome place. They were very beneficial, being with me through every step in the process and making it less stressful.”
Reviews are individual client experiences and are not a guarantee of results. Loan programs, terms, costs and cash to close vary with each borrower’s credit, income, property and the lender selected.
Already own
Your equity is doing nothing.
That's a choice.
If you bought before rates moved, refinancing the whole thing is usually the wrong answer — you'd be trading away a rate you can't get back. The right answer is normally a second position: keep the first mortgage exactly where it is and borrow against the equity behind it.
That's what the 5 Day HELOC is for — a renovation, an investment property down payment, consolidating high-interest debt, or a business runway. And when a full refinance genuinely does win, our refinance calculator will show you the break-even month before you commit a dollar.
Common uses
A HELOC is secured by your home. If you don't repay it, you can lose the property. We'll walk through the downside as carefully as the upside.
Straight answers
The questions people actually ask
Short, specific answers — no brochure language. If yours isn't here, call and ask.
What does a mortgage broker do that a bank does not?
A bank can only offer its own loan products against one set of guidelines, so a file that doesn't fit is declined. A broker takes the same application to a wholesale marketplace of many lenders, each with different guidelines and pricing, and places it with the one that fits best.
How fast can a HELOC close in Florida?
A 5 Day HELOC can fund in as few as five business days on a clean file, compared with four to six weeks for a traditional bank HELOC. The speed comes from an automated valuation model instead of a full appraisal, a soft credit pull, and remote electronic notarization.
How much down payment assistance is available in Florida?
Florida Hometown Heroes provides 5% of the first mortgage loan amount, with a $10,000 minimum and a $35,000 maximum, at 0% interest with no monthly payment. FHA assistance programs can separately cover FHA's entire 3.5% minimum required investment, allowing a purchase with nothing down.
Can you get a mortgage without tax returns?
Yes, on an investment property. A DSCR loan qualifies the property on its rental income rather than your personal income, so no tax returns, W-2s, pay stubs or debt-to-income calculation are required. Title may also be held in an LLC.
Does getting pre-qualified affect your credit score?
The first conversation requires no credit pull at all. A formal pre-approval does require a hard inquiry, but mortgage inquiries made within a short shopping window are treated as a single event by credit scoring models — so comparing lenders responsibly doesn't compound the impact.
Where does Secure The Funding lend?
Everywhere in Florida. The office is at 15715 S Dixie Hwy, Suite 417 in Palmetto Bay, and most clients are across Miami-Dade — Kendall, Cutler Bay, Homestead, Pinecrest, Coral Gables, South Miami, Doral and Miami proper — plus Broward County.
Program details reviewed August 2026
Let's find out what you actually qualify for.
Five minutes, no credit pull to start, and a real answer from a licensed loan officer — including "not yet, and here's exactly what to fix first."