Home Loans in Miami and Across Florida
Smarter Mortgages. Faster Approvals. One Dedicated Team.
One Mortgage LLC helps homebuyers, investors, and homeowners secure competitive financing with clear guidance from application to closing. Purchase your next home, build your investment portfolio, or refinance to lower payments and cash out – all with one experienced local team.
Local office: 11 SW 39th Ct, Miami, FL 33134 · Rated 5.0★ on Google & Zillow
Refinance to Lower Payments or Cash Out – Even with No Income Verification
We help homeowners restructure their mortgages to better fit their goals. Lower your monthly payment, shorten your term, or tap into your home equity with a cash-out refinance – including no income verification options for qualified borrowers.
- Lower your monthly mortgage payment
- Pay off high-interest debt with a cash-out refinance
- Consolidate multiple loans into one simple payment
- Access equity for renovations, investments, or tuition
- Options for no income verification on eligible cash-out scenarios
Sample Refinance Snapshot*
*For illustration only. Actual rates, terms, and savings depend on your profile.
Home Loans
FHA Loans
Flexible credit guidelines and low down payment options starting at 3.5%. Great for first-time buyers and those rebuilding credit.
- As low as 3.5% down
- Flexible qualification
- Ideal for first-time buyers
Conventional Loans
Conventional mortgage options with 3–5% down, private mortgage insurance when applicable, and competitive rates for well-qualified borrowers.
- 3–5% down programs
- Low-cost mortgage options
Non-QM & Investor Programs
NON-QM options when traditional guidelines do not fit. Great for investors, self-employed, and foreign nationals.
- DSCR loans (rental income based)
- Bank statement loans
- Foreign National DSCR
- Asset utilization programs
- Non-warrantable condo financing
Mortgage Calculator
Estimate your monthly payment by adjusting the loan details below. This is for planning only – connect with us for a personalized analysis and full pre-approval.
- Interest rate
- Loan term (years)
- Annual property taxes ($)
- Annual homeowners insurance ($)
- Mortgage insurance (% per year)
- HOA dues ($ per month)
Frequently Asked Questions
Here are answers to some of the questions we hear most often from our clients. For anything not covered here, reach out — we are happy to help.
How much do I need for a down payment?
It depends on the program. FHA loans can start at just 3.5% down. Many conventional loans start at 3–5% down, and VA loans can offer 0% down for eligible borrowers. We will review your situation and show you several options side-by-side.
I am self-employed. Can I still qualify?
Yes. We work with many business owners and self-employed professionals. In addition to standard loans using tax returns, we offer options that can use 1 year of tax returns, bank statements, asset utilization, or DSCR-based underwriting depending on your scenario.
What documents will I need to get started?
Typically: a valid ID, recent pay stubs or proof of income, W-2s or tax returns, recent bank statements, and details on your current housing. For investors or self-employed clients we may request additional items, but we keep the process as simple as possible.
Can you help if I already own a home and want to buy another?
Yes. We have programs that allow qualified borrowers to purchase another home with as little as 5% down. We will also help you evaluate how to use your existing equity to strengthen your application.
How does a cash-out refinance work?
A cash-out refinance replaces your current mortgage with a new one that is larger than your remaining balance. You receive the difference in cash at closing and can use it for renovations, debt consolidation, investments, or other goals. We also have options with no income verification for specific cash-out scenarios.
Latest Insights & Guides
Stay informed with tips on qualifying, understanding interest rates, and planning your next purchase or refinance.
5 Steps to Get Pre-Approved for Your First Home
What lenders look for, which documents you will need, and how to avoid common delays when applying for an FHA or conventional loan.
Is It Time to Refinance? 4 Signs to Look For
How interest rates, your home value, and your financial goals can signal that a refinance – or cash-out refinance – might make sense.
Understanding DSCR Loans for Rental Properties
Learn how lenders use your property's Debt-Service Coverage Ratio to qualify you for investment property financing – without traditional income documentation.
Clients Love Working with One Mortgage LLC
Search "ONE MORTGAGE LLC 11 SW 39th Ct, Miami, FL 33134" on Google and Zillow to see real reviews from real clients. Here are a few highlights:
Average rating 5.0 out of 5.0 across Google & Zillow reviews.
"As first-time homebuyers, we had a lot of questions. One Mortgage LLC explained every step and found us an FHA loan with a great rate and low down payment."
— Zillow Review
"Professional, responsive, and honest. They helped us refinance, lower our monthly payment, and pull cash out for renovations without the usual stress."
— Google Review
"As an investor, I needed DSCR financing on multiple properties. One Mortgage LLC understood exactly what I was trying to do and executed quickly."
— Zillow Review
Real feedback from our customers
Client Reviews
I’m very grateful and appreciative for this dream that rafeal helped me achieve and there’s no way i could put this into words, his very patient and consistent and it’s just great, To achieve such a goal i couldn’t have done it without him and his teamwork.
Rafael did a good deal for us! Thank you so much !! I really recommend this guy, his service is incredible! We are soooo happy with our new Homeeeee!!! :D He’s super reachable whenever you have any questions or you don’t know something he will be there for you.
Absolutely grateful with this company. Rafael was amazing throughout the whole process, he guided me and explained everything to the tee. Him and Carlos Mendoza, my realtor, did an amazing job and helped me to get my first dreamed house. Thank you!!!
Amazing customer service and amazing knowledge! With One mortgage purchase or refinance your home it’s the best experience and the best deal ! Professional and dedicated team! A+ for this company.
Thank you very much to Rafael Delgado for his highly recommended services, very friendly and honest. Works fast and efficiently.
I would like to give over 5 stars, excellent services, professionalism is the key for these guys, thank you Rafael will be seeing you soon!
Rafael is extremely knowledgeable and incredibly professional. Definitely recommending everyone to him!
Very good person personally and professionally. He works very fast and at any time that you need him, he is available. I recommend him 100%
Ellos son muy buenos trabajan en equipo y hay esta la fuerza. . cuando se preocupan por mejorar tu compra y que quedes satifecha se lo recomiendo a todas las persanas que vayan a compar .muchas gracias por su ayuda estoy muy contenta de haber puesto mi casa en manos de ellos
One Mortgage LLC
Tell us a little about your goals and we will follow up with tailored options. No pressure, no jargon — just clear guidance.
Contact
Office:
11 SW 39th Ct
Miami, FL 33134
Hours: By appointment and during standard business hours. Reach out and we will schedule a time that works for you.
Reviews: Search "ONE MORTGAGE LLC" on Google & Zillow to see our 5-star client experiences.
