Leading Miami mortgage broker, with live rates for all of Florida
We shop your loan across dozens of wholesale lenders and show you accurate rates with the closing costs attached. Price it yourself right here, no sign-up and no hit to your credit.
Live wholesale pricing with the points and closing costs for your scenario
Full payment estimate with Florida county taxes, insurance and PMI
Purchase, refinance, cash-out, investor and bank statement loans
These rates include about one discount point. Use our live rate engine to see the exact points and closing costs for each rate, or choose a rate with no points or a lender credit instead.
Scenario: single-family primary residence in Miami-Dade County, 20% down, 780+ credit, 30-day lock, escrows included. Rates and APRs are examples for that scenario, change throughout the day, and are not a commitment to lend.
Same loan, three ways to price it
Buy the rate down, take it at par, or take a lender credit toward closing. Pick a program and see what each choice does to the monthly payment and the cash you bring to closing.
$531,250 home · $106,250 down · $425,000 loan · Miami-Dade · 780+ credit
Full payment adds Miami-Dade property tax, a Florida insurance estimate and mortgage insurance where it applies. Cash to close is the down payment plus net closing costs for that option, before prepaid items and title. Estimates for the scenario shown, not a commitment to lend.
#1 wholesale mortgage broker in Florida
Up to $10,000 in closing cost credits and a free appraisal*. Because we broker rather than lend, dozens of lenders compete for your loan and you keep the difference.
Agency loans where they fit, and a deep non-QM bench where they do not. Many of the loans we are proudest of are ones another lender had already turned down.
Clients come first. We make sure our clients get the best support from our staff, walk you through the whole mortgage process, and ensure your transaction closes smoothly.
Great customer service
At On Mortgage we take pride in our great customer service. Our staff is here for you, so don’t hesitate to contact us if you have any questions, problems or maybe a suggestion. We would love to hear from you.
Superior loans and mortgages
We work with multiple lenders and we can provide our clients with extremely competitive pricing. Now you can do all your comparison shopping with one company without wasting time with several banks or brokers.
Clients come first
We make sure our clients get the best support from our staff. We will walk you through the whole mortgage process and ensure your transactions close smoothly.
Five-star reviews from Florida borrowers
Real reviews from real closings, gathered from every place clients leave them.
We cannot say enough amazing things about Caroline! As a first-time homebuyer, this was such a huge and exciting milestone for us, and we’re so grateful that we had her by our side throughout the entire process. Caroline was incredibly knowledgeable, patient, responsive, and supportive from beginning to end.
M
Miguelina Y. Ramirez ✔
August 25, 2026
★★★★★Trustpilot
Excellent Service and Support
I had a wonderful experience working with Michael Schoonover and Mike Collada. They were professional, knowledgeable, patient, and incredibly helpful throughout the entire process. They took the time to answer my questions, guide me through each step, and make sure I felt supported along the way. I truly appreciate their time, effort, and dedication in helping me reach this important milestone. I highly recommend them and the team at OnMortgage LLC!
Danny Z ✔
a week ago
★★★★★ Google
On Mortgage really cared when helping us through multiple offers and found us amazing options for financing our home in a really challenging market. I couldn’t have been more appreciative of their efforts. Highly recommend!
J
Jordan Gomez ✔
Lehigh Acres, FL · August 21, 2026
★★★★★Zillow
1,000% recommend Caroline, especially for veterans
I had an amazing experience working with Ms. Caroline Da Silva throughout my entire home-buying process. From day one, she was professional, knowledgeable, responsive, and always there whenever I had questions. She kept me updated every step of the way and made everything easy to understand.
J
Jeremy Lessaris ✔
July 28, 2026
★★★★★Trustpilot
Went above and beyond
The OnMortgage team truly went above and beyond for us. Despite a shortened timeline, they were patient, honest, responsive, and incredibly thorough throughout the entire process. They not only helped us secure a great rate but also navigated the challenges of purchasing in a non-warrantable building. They even went far beyond the traditional role of a mortgage lender to help the building achieve warrantable status, ultimately reducing our interest rate by nearly 1%. They were always quick to respond and took an educational approach, clearly explaining what to expect, what was needed, and how the timeline would unfold and why. Their guidance gave us complete confidence that we would close. Genuinely personable and a pleasure to work with. I would not consider working with anyone else and would highly recommend them to friends and family.
Carlo Monzon Lombardi ✔
a week ago
★★★★★ Google
I had a great experience working with Mike Schoonover and Mike Collada at Miami Mortgage Brokers. They were both professional, responsive, and made the entire mortgage process feel smooth and well organized from beginning to end.
I especially appreciated how proactive they were throughout the process and how well they handled the timing of my rate lock. I was able to secure a very competitive rate before rates moved higher, which made a big difference. I was very satisfied with the experience and would definitely recommend them to anyone looking for knowledgeable and reliable mortgage professionals.
B
Brian Sanchez ✔
Pompano Beach, FL · August 18, 2026
★★★★★Zillow
Amazing.
Caroline was great. Always responsive and available whenever I needed assistance or had questions. 10/10 would recommend to any veteran or anyone for that matter.
B
Basil M. ✔
June 3, 2026
★★★★★Trustpilot
Great response time - there when needed. Well educated and experienced staff - they've seen it all
Miguelina Y. Ramirez ✔
a month ago
★★★★★ Google
I had a wonderful experience working with Michael Schoonover and Mike Collada. They were professional, knowledgeable, patient, and incredibly helpful throughout the entire process. They took the time to answer my questions, guide me through each step, and make sure I felt supported along the way.
I truly appreciate their time, effort, and dedication in helping me reach this important milestone. I highly recommend them and the team at OnMortgage LLC!
O
Odilia Galan ✔
Lehigh Acres, FL · August 11, 2026
★★★★★Zillow
Great experience, would highly recommend!
I had a wonderful experience working with Caroline Da Silva in finding my forever home. She was very patient and professional the entire experience. She was dedicated for me to get my house and she made the entire process less stressful.
K
Keith Little ✔
November 2, 2025
★★★★★Trustpilot
Mike from OnMortgage is amazing!
We worked directly with Mike Collada at OnMortgage and can't say enough about how amazing our experience was. There are a lot of nerves when purchasing a home, and it was our first one. Mike did everything right. He explained anything and everything we didn't understand. We've recommend Mike to anyone looking to purchase a new home.
Jeremy Lessaris ✔
2 months ago
★★★★★ Google
The OnMortgage team truly went above and beyond for us. Despite a shortened timeline, they were patient, honest, responsive, and incredibly thorough throughout the entire process.
They not only helped us secure a great rate but also navigated the challenges of purchasing in a non-warrantable building. They even went far beyond the traditional role of a mortgage lender to help the building achieve warrantable status, ultimately reducing our interest rate by nearly 1%.
They were always quick to respond and took an educational approach, clearly explaining what to expect, what was needed, and how the timeline would unfold and why. Their guidance gave us complete confidence that we would close.
Genuinely personable and a pleasure to work with. I would not consider working with anyone else and would highly recommend them to friends and family.
L
Lory Molina ✔
Fort Myers, FL · July 18, 2026
★★★★★Zillow
Turned our dream into a reality!
Working with Caroline was an incredible experience from start to finish. She made the process feel smooth, organized, and manageable. Every question we had was answered promptly, and she kept us informed every step of the way. She even made our closing happen a lot sooner than expected!
J
Jose Del Valle ✔
December 11, 2024
★★★★★Trustpilot
I worked with Mike at OnMortgage aka Miami Mortgage Brokers. They helped me save hundreds on my monthly mortgage while keeping the cost of the refinance at a minimum which is way above the service I got from other lenders and brokers. I would highly recommend working with this company for any refinancing you are looking to do.
Camilo Llinas ✔
2 months ago
★★★★★ Google
Michael navigated a complex underwriting process for us as business owners and delivered exactly what he promised — no surprises. He kept our morale high throughout, with clear communication the whole way.
Highly recommend Michael and his team, especially for business owners — they know how to get complex financial situations properly underwritten and they offer traditional as well as alternative lending solutions.
S
syclesleeves ✔
Hollywood, FL · July 8, 2026
★★★★★Zillow
Amazing
Highly recommend working with her! She was professional, courteous, and always on time. She is soft-spoken, extremely knowledgeable, and took the time to answer all of my questions with patience and care. She made the entire mortgage process smooth and stress-free.
R
Rudy Chin ✔
December 10, 2024
★★★★★Trustpilot
Mike and Caroline were absolutely amazing to work with on securing a mortgage for our new home in Miami! They went above and beyond to find us the best rates and made the entire process smooth and stress-free. Their responsiveness and helpfulness were unmatched—they were always available to answer our questions and guide us through every step. Thanks to their efficiency, our mortgage was clear to close well ahead of schedule, giving us peace of mind during this big move. I highly recommend them to anyone looking for a hassle-free mortgage experience
N
noramantilla34 ✔
Silver Palm, FL · June 4, 2026
★★★★★Zillow
Recomendada 100%
Trabajar con Damarys fue una excelente experiencia. Me ayudó con el refinanciamiento de mi propiedad y siempre estuvo disponible para responder mis preguntas. Lo que más agradecí fue poder comunicarme en español y entender claramente todo el proceso.
B
Brian Owens ✔
July 1, 2024
★★★★★Trustpilot
Great experience with a very knowledgeable team.
I had tried to get a mortgage on my new construction house but the mortgage broker I was working with wasn’t able to get it done. I spoke with Mike at OnMortgage LLC and his team, who took the time to go over in detail how to get this accomplished. I followed their advice provided what they needed and my mortgage was approved in under 30 days.
D
David Stein ✔
Hollywood, FL · October 27, 2025
★★★★★Zillow
A true professional
Damarys Aguilar is a true professional. She defines trust and dependability. Damarys is phenomenal to work with and I will not work with any other lender. Thank you.
J
Jose Vazquez ✔
July 1, 2024
★★★★★Trustpilot
I had an outstanding experience with the On-Mortgage team during the purchase of our new home. Their extensive knowledge of the market and mortgage products was evident from the start, making the entire process seamless and stress-free. They were always available to answer my questions, providing clear and concise explanations that helped me make informed decisions. Their professionalism, attention to detail, and personalized service exceeded my expectations. I am extremely satisfied with the service provided and highly recommend them to anyone in need of mortgage assistance.
G
Guilherme Cunha ✔
Miami, FL
★★★★★Zillow
Caroline Da Silva from Miami Mortgage Brokers just got us approved for our first mortgage, and we would definitely work with her again after this experience! From the moment our broker connected us with Caroline, she was always several steps ahead throughout the process. We were impressed that Miami Mortgage Brokers had us clear to close a week early, despite the seller causing a slight delay. They also worked hard to find us a good rate. I researched it afterward, and they actually got me the best rate on the market. On top of all that, their fees came in below what they initially disclosed, so we ended up saving a couple of grand.
M
Mike Benedetto ✔
July 1, 2024
★★★★★Trustpilot
Communication is number one
As an insurance agent, the On-Mortgage team and I have been referring clients back and forth for nearly 5 years. I regard them as one of the best mortgage brokers in Miami so when I finally needed a lender for my own home purchase there was only one company I was going to call. They're just great! Always on point - answering calls, emails, and questions promptly and I was supported through every step of the application process. I'm self employed so it wasn't a straightforward loan. I needed a conventional bank statement loan and despite the extra paperwork they still managed to help me close with five days to spare! I wouldn't think twice about using On-Mortgage for myself and will most definitely continue to refer my people their way. The team is a collective of knowledgeable, straight talking mortgage brokers with attention to detail so if you're looking to buy in Miami, be sure to give them a call because they have your lending needs covered!
K
Kevis Rosario ✔
Boca Raton, FL
★★★★★Zillow
Javier listened to our story and made a recommendation that has led my wife and I to an improved financial lifestyle. No more shopping around. Javier has a lifetime customer here!
M
Michael Vazquez ✔
July 1, 2024
★★★★★Trustpilot
Home Closing
I never write reviews but I had to write one for the absolute best experience I have had when closing on a home. Mikes hard work and experience had us start and close on our home in less than 21 days. Mike has been extremely detailed oriented walking us through everything, answering all our questions and having the whole home closing process go through with ease. A home buying process is extremely difficult and tedious and without the right mortgage broker deals can fall apart. Mike is the best in the business and I felt his work should be notified for his outstanding job.
B
Ben Wright ✔
Miami, FL
★★★★★Zillow
Chris was outstanding throughout the entire transaction! Always accessible and was able to provide the best financing option when others could not! I would highly recommend him and hope to do more transactions with him.
L
Liana Meliksetyan ✔
Miami, FL
★★★★★Zillow
I recently had the pleasure of working with Chris as my loan officer, and I cannot speak highly enough of his exceptional service. He guided me through every step with clarity and patience. What truly sets Chris apart is his remarkable efficiency: not only was he incredibly responsive to my inquiries, but he also expedited the loan process, resulting in the quickest and smoothest transaction I’ve ever experienced.
D
Daniel E Flores ✔
Hollywood, FL
★★★★★Zillow
Nos sentimos felices con Carolina por la total ayuda que hizo posible para la compra de nuestra primera casa. En todo momento demostró profesionalismo y entrega en conseguir los mejores costos y beneficios para nosotros. Quedamos totalmente agradecidos.
J
Josephine Hakopian ✔
Miami, FL
★★★★★Zillow
Chris, working with you on my Miami dream was an absolute blessing. Your dedication and persistence made the impossible happen, turning my dream into a reality. I’m genuinely grateful for your commitment to securing the best deals and ensuring I understood every step of the process.
P
Pinedac13 ✔
Miami, FL
★★★★★Zillow
Caroline is amazing as a loan officer. If you’re looking for someone who will remain on top of the process, answer all your questions, answer your phone call and emails quickly, and put your interest first before their own, call Caroline! She’ll get you a lower rate and cost. Don’t wait, call Caroline for your next purchase!
C
Carlos Fernandez ✔
Doral, FL
★★★★★Zillow
Caroline was able to close my loan within 3 weeks and offered a great rate with no points. I was initially working with another bank but I am happy I switched over as the process was smooth. Caroline was very professional and responded quickly.
D
Dani S ✔
North Miami, FL
★★★★★Zillow
First time I get a loan. Chris made it simple, fast, and hassle free. Above all, he had the patience and took the time to explain things to me as everything was new to me. Would absolutely recommend working with him. I will absolutely use him in my next purchase.
C
Cesar Delaflor PA ✔
Miami, FL
★★★★★Zillow
Chris was the most professional, informative, caring and upfront broker I have worked with in a while. He cared about the client’s needs and offered help at all times throughout the transaction. He is very easy to get a hold of and replies within minutes.
A
Alan Davenport ✔
Miami, FL
★★★★★Zillow
Christian was extremely prompt and professional from start to finish. I will definitely be going back to him to refinance when rates do drop. Excellent service.
A
Austin Warmus ✔
Miami, FL
★★★★★Zillow
Chris is an excellent lender on top of being an even better person. In working several loans personally as well as professionally, Chris consistently delivers a smooth transaction on top of providing the best customer service in the industry.
P
pjem ✔
Boca Raton, FL
★★★★★Zillow
I’ve done 22 loans with about 12 different lenders over the last 20 years and Chris is the best. He gets great rates with no headaches and you never have to worry about getting the job done quickly. He always delivers.
T
tmarvel2017 ✔
Delray Beach, FL
★★★★★Zillow
I highly recommend Christian and OnMortgage. The rates they offer are unbeatable in this market, and the attentiveness of Chris and his partners is second to none. In a time when there are so many options, the good ones like Chris stand out.
I
Isabella ✔
Miami, FL
★★★★★Zillow
Michael and his team were incredibly efficient and thorough. Just when I thought I was not going to get the loan for my dream condo he made it happen. There were lots of parameters and he surpassed them all. I would highly recommend him for all your lending needs.
A
AnnabelleWiniarski ✔
Fort Lauderdale, FL
★★★★★Zillow
I am a first time home buyer, so all of this was new to me. Caroline helped me every step of the way. I’m so grateful, because of her it was possible to own this house that I am so excited to create into my home. I would definitely work with you again for any future business.
P
Puck Reeders ✔
Davie, FL
★★★★★Zillow
Mike at On Mortgage has been incredible during our mortgage experience. We last minute wanted to move up the date by 2 weeks and he made everything happen very smoothly. They respond very fast to all the questions we had and get everything in order really fast. Will 1000% use your services again!
S
Simone A ✔
Miami, FL
★★★★★Zillow
Chris and his team were outstanding. I am 100% certain we wouldn’t have been able to close the deal on our property if it hadn’t been for him. He was incredibly responsive (day, night, weekends) and was even able to expedite our closing in less than 30 days. He made the process of buying a home seamless and easy!
A
akituspromos ✔
Miami, FL
★★★★★Zillow
Chris was super responsive throughout the mortgage process. Always communicating quickly and clearly from beginning to end, explaining the expectations at each step.
We cannot say enough amazing things about Caroline! As a first-time homebuyer, this was such a huge and exciting milestone for us, and we’re so grateful that we had her by our side throughout the entire process. Caroline was incredibly knowledgeable, patient, responsive, and supportive from beginning to end.
M
Miguelina Y. Ramirez ✔
August 25, 2026
Trustpilot
★★★★★
Excellent Service and Support
I had a wonderful experience working with Michael Schoonover and Mike Collada. They were professional, knowledgeable, patient, and incredibly helpful throughout the entire process. They took the time to answer my questions, guide me through each step, and make sure I felt supported along the way. I truly appreciate their time, effort, and dedication in helping me reach this important milestone. I highly recommend them and the team at OnMortgage LLC!
Response from OnMortgage LLCThank you so much for your wonderful review and for trusting the OnMortgage Team and Mike Collada. We’re thrilled to know you had a positive mortgage experience and felt supported every step of the way. As a local Miami Mortgage brokers, we’re proud to help homebuyers navigate Miami home loans, mortgage financing, home purchases, refinancing, and mortgage options in South Florida. Our goal is always to provide knowledgeable, personalized guidance and make the mortgage process as smooth and stress-free as possible. We truly appreciate your recommendation and the opportunity to help you reach this important milestone. Congratulations, and thank you for choosing OnMortgage LLC!
J
Jordan Gomez ✔
Lehigh Acres, FL · August 21, 2026
Zillow
★★★★★
1,000% recommend Caroline, especially for veterans
I had an amazing experience working with Ms. Caroline Da Silva throughout my entire home-buying process. From day one, she was professional, knowledgeable, responsive, and always there whenever I had questions. She kept me updated every step of the way and made everything easy to understand.
Response from OnMortgage LLCThank you so much for your incredibly kind words! It was truly an honor to be part of your home-buying journey and help you and your family reach this exciting milestone. Working with veterans and helping them navigate the VA loan process is something I’m genuinely passionate about. Congratulations again on your beautiful new home!
B
Brian Sanchez ✔
Pompano Beach, FL · August 18, 2026
Zillow
★★★★★
Amazing.
Caroline was great. Always responsive and available whenever I needed assistance or had questions. 10/10 would recommend to any veteran or anyone for that matter.
Response from OnMortgage LLCThank you so much for your kind words and recommendation! It was truly a pleasure helping you throughout the process. Congratulations again, and thank you for trusting me!
O
Odilia Galan ✔
Lehigh Acres, FL · August 11, 2026
Zillow
★★★★★
Great experience, would highly recommend!
I had a wonderful experience working with Caroline Da Silva in finding my forever home. She was very patient and professional the entire experience. She was dedicated for me to get my house and she made the entire process less stressful.
Response from OnMortgage LLCThank you so much for your kind words and for trusting me to be part of such an important journey for you and your family! Congratulations on your new home, and thank you again!
J
Jeremy Lessaris ✔
July 28, 2026
Trustpilot
★★★★★
Went above and beyond
The OnMortgage team truly went above and beyond for us. Despite a shortened timeline, they were patient, honest, responsive, and incredibly thorough throughout the entire process. They not only helped us secure a great rate but also navigated the challenges of purchasing in a non-warrantable building. They even went far beyond the traditional role of a mortgage lender to help the building achieve warrantable status, ultimately reducing our interest rate by nearly 1%. They were always quick to respond and took an educational approach, clearly explaining what to expect, what was needed, and how the timeline would unfold and why. Their guidance gave us complete confidence that we would close. Genuinely personable and a pleasure to work with. I would not consider working with anyone else and would highly recommend them to friends and family.
Response from OnMortgage LLCThank you so much for this incredible review and for trusting OnMortgage LLC with such an important purchase! We’re honored to have been part of your homeownership journey and truly appreciate your kind words about our team. As a Miami mortgage broker, our goal is to provide more than just a mortgage we provide personalized guidance, clear communication, and expert home loan solutions from application through closing. We’re especially proud that our team was able to help navigate the challenges of a non-warrantable condo and work toward a solution that ultimately helped reduce your interest rate by nearly 1%. Whether you’re purchasing a home or condo, refinancing, exploring cash-out refinance, or looking for competitive mortgage rates in Miami and South Florida, our team is committed to finding the right financing strategy for your unique situation. Thank you again for recommending OnMortgage LLC to your friends and family. Referrals and relationships like yours mean everything to us!
L
Lory Molina ✔
Fort Myers, FL · July 18, 2026
Zillow
★★★★★
Turned our dream into a reality!
Working with Caroline was an incredible experience from start to finish. She made the process feel smooth, organized, and manageable. Every question we had was answered promptly, and she kept us informed every step of the way. She even made our closing happen a lot sooner than expected!
Response from OnMortgage LLCThank you so much for your wonderful review! It was truly a pleasure working with you and helping make your home-buying journey as smooth and stress-free as possible.
S
syclesleeves ✔
Hollywood, FL · July 8, 2026
Zillow
★★★★★
Amazing
Highly recommend working with her! She was professional, courteous, and always on time. She is soft-spoken, extremely knowledgeable, and took the time to answer all of my questions with patience and care. She made the entire mortgage process smooth and stress-free.
Response from OnMortgage LLCThank you so much, I truly appreciate your kind words and the opportunity to work with you. My goal is always to make the mortgage experience as clear, smooth, and stress-free as possible, so your review means a lot.
N
noramantilla34 ✔
Silver Palm, FL · June 4, 2026
Zillow
★★★★★
Recomendada 100%
Trabajar con Damarys fue una excelente experiencia. Me ayudó con el refinanciamiento de mi propiedad y siempre estuvo disponible para responder mis preguntas. Lo que más agradecí fue poder comunicarme en español y entender claramente todo el proceso.
Response from OnMortgage LLCNora, muchísimas gracias por tomarte el tiempo de compartir tu experiencia. Fue un verdadero placer ayudarte con el refinanciamiento de tu propiedad.
B
Basil M. ✔
June 3, 2026
Trustpilot
★★★★★
Great response time - there when needed. Well educated and experienced staff - they've seen it all
Response from OnMortgage LLCThank you so much for the review, Basil! The team at Miami Mortgage Brokers absolutely loved helping you secure your home loan. Navigating the mortgage process can be complex, but our goal is always to make buying a home in Miami as smooth and stress-free as possible. Congratulations on your new property, and thank you for trusting us as your local mortgage lenders!
K
Keith Little ✔
November 2, 2025
Trustpilot
★★★★★
Mike from OnMortgage is amazing!
We worked directly with Mike Collada at OnMortgage and can't say enough about how amazing our experience was. There are a lot of nerves when purchasing a home, and it was our first one. Mike did everything right. He explained anything and everything we didn't understand. We've recommend Mike to anyone looking to purchase a new home.
Response from OnMortgage LLCThank you for the kind review. We always enjoy helping new home buyers.
D
David Stein ✔
Hollywood, FL · October 27, 2025
Zillow
★★★★★
A true professional
Damarys Aguilar is a true professional. She defines trust and dependability. Damarys is phenomenal to work with and I will not work with any other lender. Thank you.
Response from OnMortgage LLCThank you for the thoughtful review, David. It was a pleasure assisting you throughout your loan process.
J
Jose Del Valle ✔
December 11, 2024
Trustpilot
★★★★★
I worked with Mike at OnMortgage aka Miami Mortgage Brokers. They helped me save hundreds on my monthly mortgage while keeping the cost of the refinance at a minimum which is way above the service I got from other lenders and brokers. I would highly recommend working with this company for any refinancing you are looking to do.
Response from OnMortgage LLCThank you Jose for the review. We are happy to help clients maximize savings not only on rate but closing cost as well.
R
Rudy Chin ✔
December 10, 2024
Trustpilot
★★★★★
Mike and Caroline were absolutely amazing to work with on securing a mortgage for our new home in Miami! They went above and beyond to find us the best rates and made the entire process smooth and stress-free. Their responsiveness and helpfulness were unmatched—they were always available to answer our questions and guide us through every step. Thanks to their efficiency, our mortgage was clear to close well ahead of schedule, giving us peace of mind during this big move. I highly recommend them to anyone looking for a hassle-free mortgage experience
Response from OnMortgage LLCThank you for the kind review. It is always great to hear from our clients about Mike and Caroline.
B
Brian Owens ✔
July 1, 2024
Trustpilot
★★★★★
Great experience with a very knowledgeable team.
I had tried to get a mortgage on my new construction house but the mortgage broker I was working with wasn’t able to get it done. I spoke with Mike at OnMortgage LLC and his team, who took the time to go over in detail how to get this accomplished. I followed their advice provided what they needed and my mortgage was approved in under 30 days.
Response from OnMortgage LLCThanks Brian for the amazing review. It was our pleasure to assist you with the mortgage. I was happy that Mike Collada and my staff exceeded your expectations. Please let us know if you need anything. Enjoy your new home.
J
Jose Vazquez ✔
July 1, 2024
Trustpilot
★★★★★
I had an outstanding experience with the On-Mortgage team during the purchase of our new home. Their extensive knowledge of the market and mortgage products was evident from the start, making the entire process seamless and stress-free. They were always available to answer my questions, providing clear and concise explanations that helped me make informed decisions. Their professionalism, attention to detail, and personalized service exceeded my expectations. I am extremely satisfied with the service provided and highly recommend them to anyone in need of mortgage assistance.
Response from OnMortgage LLCJose, We really enjoyed helping you with your first home purchase. Thank you for the kind words. If you need help with any other mortgage in the near future we are here for you. All the best and enjoy your beautiful home.
M
Mike Benedetto ✔
July 1, 2024
Trustpilot
★★★★★
Communication is number one
As an insurance agent, the On-Mortgage team and I have been referring clients back and forth for nearly 5 years. I regard them as one of the best mortgage brokers in Miami so when I finally needed a lender for my own home purchase there was only one company I was going to call. They're just great! Always on point - answering calls, emails, and questions promptly and I was supported through every step of the application process. I'm self employed so it wasn't a straightforward loan. I needed a conventional bank statement loan and despite the extra paperwork they still managed to help me close with five days to spare! I wouldn't think twice about using On-Mortgage for myself and will most definitely continue to refer my people their way. The team is a collective of knowledgeable, straight talking mortgage brokers with attention to detail so if you're looking to buy in Miami, be sure to give them a call because they have your lending needs covered!
Response from OnMortgage LLCThe OnMortgage team sincerely appreciates your kind words. We're thrilled to have met and exceeded your expectations. Working with you has always been and continues to be a pleasure. Thank you from everyone at Miami Mortgage Brokers / OnMortgage LLC!
M
Michael Vazquez ✔
July 1, 2024
Trustpilot
★★★★★
Home Closing
I never write reviews but I had to write one for the absolute best experience I have had when closing on a home. Mikes hard work and experience had us start and close on our home in less than 21 days. Mike has been extremely detailed oriented walking us through everything, answering all our questions and having the whole home closing process go through with ease. A home buying process is extremely difficult and tedious and without the right mortgage broker deals can fall apart. Mike is the best in the business and I felt his work should be notified for his outstanding job.
Response from OnMortgage LLCMichael, We appreciate the kind words and enjoy helping you with your new home purchase in Miami.
Danny Z ✔
a week ago
Google
★★★★★
On Mortgage really cared when helping us through multiple offers and found us amazing options for financing our home in a really challenging market. I couldn’t have been more appreciative of their efforts. Highly recommend!
Carlo Monzon Lombardi ✔
a week ago
Google
★★★★★
I had a great experience working with Mike Schoonover and Mike Collada at Miami Mortgage Brokers. They were both professional, responsive, and made the entire mortgage process feel smooth and well organized from beginning to end.
I especially appreciated how proactive they were throughout the process and how well they handled the timing of my rate lock. I was able to secure a very competitive rate before rates moved higher, which made a big difference. I was very satisfied with the experience and would definitely recommend them to anyone looking for knowledgeable and reliable mortgage professionals.
Miguelina Y. Ramirez ✔
a month ago
Google
★★★★★
I had a wonderful experience working with Michael Schoonover and Mike Collada. They were professional, knowledgeable, patient, and incredibly helpful throughout the entire process. They took the time to answer my questions, guide me through each step, and make sure I felt supported along the way.
I truly appreciate their time, effort, and dedication in helping me reach this important milestone. I highly recommend them and the team at OnMortgage LLC!
Jeremy Lessaris ✔
2 months ago
Google
★★★★★
The OnMortgage team truly went above and beyond for us. Despite a shortened timeline, they were patient, honest, responsive, and incredibly thorough throughout the entire process.
They not only helped us secure a great rate but also navigated the challenges of purchasing in a non-warrantable building. They even went far beyond the traditional role of a mortgage lender to help the building achieve warrantable status, ultimately reducing our interest rate by nearly 1%.
They were always quick to respond and took an educational approach, clearly explaining what to expect, what was needed, and how the timeline would unfold and why. Their guidance gave us complete confidence that we would close.
Genuinely personable and a pleasure to work with. I would not consider working with anyone else and would highly recommend them to friends and family.
Camilo Llinas ✔
2 months ago
Google
★★★★★
Michael navigated a complex underwriting process for us as business owners and delivered exactly what he promised — no surprises. He kept our morale high throughout, with clear communication the whole way.
Highly recommend Michael and his team, especially for business owners — they know how to get complex financial situations properly underwritten and they offer traditional as well as alternative lending solutions.
G
Guilherme Cunha ✔
Miami, FL
Zillow
★★★★★
Caroline Da Silva from Miami Mortgage Brokers just got us approved for our first mortgage, and we would definitely work with her again after this experience! From the moment our broker connected us with Caroline, she was always several steps ahead throughout the process. We were impressed that Miami Mortgage Brokers had us clear to close a week early, despite the seller causing a slight delay. They also worked hard to find us a good rate. I researched it afterward, and they actually got me the best rate on the market. On top of all that, their fees came in below what they initially disclosed, so we ended up saving a couple of grand.
K
Kevis Rosario ✔
Boca Raton, FL
Zillow
★★★★★
Javier listened to our story and made a recommendation that has led my wife and I to an improved financial lifestyle. No more shopping around. Javier has a lifetime customer here!
B
Ben Wright ✔
Miami, FL
Zillow
★★★★★
Chris was outstanding throughout the entire transaction! Always accessible and was able to provide the best financing option when others could not! I would highly recommend him and hope to do more transactions with him.
L
Liana Meliksetyan ✔
Miami, FL
Zillow
★★★★★
I recently had the pleasure of working with Chris as my loan officer, and I cannot speak highly enough of his exceptional service. He guided me through every step with clarity and patience. What truly sets Chris apart is his remarkable efficiency: not only was he incredibly responsive to my inquiries, but he also expedited the loan process, resulting in the quickest and smoothest transaction I’ve ever experienced.
D
Daniel E Flores ✔
Hollywood, FL
Zillow
★★★★★
Nos sentimos felices con Carolina por la total ayuda que hizo posible para la compra de nuestra primera casa. En todo momento demostró profesionalismo y entrega en conseguir los mejores costos y beneficios para nosotros. Quedamos totalmente agradecidos.
J
Josephine Hakopian ✔
Miami, FL
Zillow
★★★★★
Chris, working with you on my Miami dream was an absolute blessing. Your dedication and persistence made the impossible happen, turning my dream into a reality. I’m genuinely grateful for your commitment to securing the best deals and ensuring I understood every step of the process.
P
Pinedac13 ✔
Miami, FL
Zillow
★★★★★
Caroline is amazing as a loan officer. If you’re looking for someone who will remain on top of the process, answer all your questions, answer your phone call and emails quickly, and put your interest first before their own, call Caroline! She’ll get you a lower rate and cost. Don’t wait, call Caroline for your next purchase!
C
Carlos Fernandez ✔
Doral, FL
Zillow
★★★★★
Caroline was able to close my loan within 3 weeks and offered a great rate with no points. I was initially working with another bank but I am happy I switched over as the process was smooth. Caroline was very professional and responded quickly.
D
Dani S ✔
North Miami, FL
Zillow
★★★★★
First time I get a loan. Chris made it simple, fast, and hassle free. Above all, he had the patience and took the time to explain things to me as everything was new to me. Would absolutely recommend working with him. I will absolutely use him in my next purchase.
C
Cesar Delaflor PA ✔
Miami, FL
Zillow
★★★★★
Chris was the most professional, informative, caring and upfront broker I have worked with in a while. He cared about the client’s needs and offered help at all times throughout the transaction. He is very easy to get a hold of and replies within minutes.
A
Alan Davenport ✔
Miami, FL
Zillow
★★★★★
Christian was extremely prompt and professional from start to finish. I will definitely be going back to him to refinance when rates do drop. Excellent service.
A
Austin Warmus ✔
Miami, FL
Zillow
★★★★★
Chris is an excellent lender on top of being an even better person. In working several loans personally as well as professionally, Chris consistently delivers a smooth transaction on top of providing the best customer service in the industry.
P
pjem ✔
Boca Raton, FL
Zillow
★★★★★
I’ve done 22 loans with about 12 different lenders over the last 20 years and Chris is the best. He gets great rates with no headaches and you never have to worry about getting the job done quickly. He always delivers.
T
tmarvel2017 ✔
Delray Beach, FL
Zillow
★★★★★
I highly recommend Christian and OnMortgage. The rates they offer are unbeatable in this market, and the attentiveness of Chris and his partners is second to none. In a time when there are so many options, the good ones like Chris stand out.
I
Isabella ✔
Miami, FL
Zillow
★★★★★
Michael and his team were incredibly efficient and thorough. Just when I thought I was not going to get the loan for my dream condo he made it happen. There were lots of parameters and he surpassed them all. I would highly recommend him for all your lending needs.
A
AnnabelleWiniarski ✔
Fort Lauderdale, FL
Zillow
★★★★★
I am a first time home buyer, so all of this was new to me. Caroline helped me every step of the way. I’m so grateful, because of her it was possible to own this house that I am so excited to create into my home. I would definitely work with you again for any future business.
P
Puck Reeders ✔
Davie, FL
Zillow
★★★★★
Mike at On Mortgage has been incredible during our mortgage experience. We last minute wanted to move up the date by 2 weeks and he made everything happen very smoothly. They respond very fast to all the questions we had and get everything in order really fast. Will 1000% use your services again!
S
Simone A ✔
Miami, FL
Zillow
★★★★★
Chris and his team were outstanding. I am 100% certain we wouldn’t have been able to close the deal on our property if it hadn’t been for him. He was incredibly responsive (day, night, weekends) and was even able to expedite our closing in less than 30 days. He made the process of buying a home seamless and easy!
A
akituspromos ✔
Miami, FL
Zillow
★★★★★
Chris was super responsive throughout the mortgage process. Always communicating quickly and clearly from beginning to end, explaining the expectations at each step.
On Mortgage: your leading Miami mortgage broker and Florida loan experts
On Mortgage specializes in providing tailored mortgage solutions to homebuyers, investors, and property owners across Miami and throughout Florida. As a leading mortgage broker, we offer the best Miami mortgage rates and we are dedicated to helping our clients navigate the complexities of the Florida housing market. As a full-service Florida home loan broker and mortgage broker serving all of Florida, we shop dozens of lenders to secure your lowest rate. We serve buyers across the state, including Fort Lauderdale, Orlando, Tampa, Jacksonville, and West Palm Beach. Whether you’re purchasing your first home, refinancing an existing property, or looking to invest, we have the expertise and local knowledge to secure the best mortgage options for your needs, no matter where in Florida you’re located.
The South Florida housing market continues to outperform national trends, with Miami leading in luxury demand. In March 2026, the median sale price of single-family homes in Miami-Dade County reached $674,000, a 10.6% increase year over year, according to the MIAMI Association of Realtors. Total home sales rose for the seventh consecutive month, and sales of properties priced at $5 million and above climbed 27% as global buyers continued to target the region. Other Florida metros such as Orlando and Tampa are stabilizing, with Tampa Bay single-family prices holding near $400,000. As a Miami mortgage broker, On Mortgage keeps a pulse on market trends across the state to ensure our clients receive the most up-to-date advice and competitive mortgage rates.
Florida investment property financing
Florida remains a desirable location for both homeowners and investors. The state’s steady population growth, strong job market, and international appeal make it an ideal place for real estate investment, and Florida was ranked the #2 growth state of 2025 by U-Haul. At On Mortgage, we help investors secure financing for rental properties, vacation homes, and commercial real estate. With inventory across South Florida now expanding and condo sales in the $300,000 to $600,000 range picking up, investors have more selection and negotiating room than in recent years, making this a strong time to explore opportunities with a trusted Miami mortgage broker by your side.
Florida housing market forecast for 2026
Most forecasts point to a more balanced Florida market in 2026, with modest price growth rather than the rapid gains of recent years. Statewide, single-family median prices have hovered around $420,000 to $425,000, while rising inventory has given buyers more selection and negotiating leverage. Nationally, the National Association of Realtors projects home sales to climb in 2026 as mortgage rates ease toward an average near 6%, with a median home-price gain of roughly 4%. For Miami, analysts expect continued, if slower, appreciation supported by ongoing migration and strong global demand. As your Miami mortgage broker, On Mortgage is here to help you navigate these conditions and find the perfect home loan tailored to your financial situation.
Why choose On Mortgage as your Miami mortgage broker?
Choosing the right mortgage broker is essential when navigating Florida’s dynamic real estate market. Our team of experienced brokers understands the unique challenges of the Miami market and works tirelessly to find you the best mortgage terms, whether you’re a first-time buyer or a seasoned investor. Ready to take the next step in purchasing or refinancing a property in Miami or anywhere in Florida? Contact On Mortgage for a personalized consultation.
Home loan refinancing in Miami and across Florida: unlock savings and consolidate today
Are you paying too much on your current mortgage? With shifting economic landscapes and evolving market conditions, 2026 might be the ideal year to explore a strategic home loan refinance. Pay down your debt on the high-rate credit cards and consolidate to save thousands of dollars in interest.
At Miami Mortgage Brokers we empower homeowners across Miami, Brickell, Coral Gables, Coconut Grove, Palmetto Bay, Miami Beach, Hialeah, Doral, Aventura, Midtown, and throughout the vibrant state of Florida to achieve their financial goals through smart mortgage refinancing. Whether you’re looking to lower your monthly mortgage payments, consolidate high-interest debt, access your home equity for a cash-out refinance, or simply secure a more favorable interest rate for your Florida property, our expert team is here to guide you.
*Par rate from our pricing engine for a 780+ credit, single-family primary residence in Miami-Dade County with a 30-day lock and escrows. Your rate depends on your scenario.
Why refinance your home loan?
Refinancing your mortgage can bring multiple benefits, including:
Lower monthly payments. Secure a lower interest rate and reduce your monthly mortgage payments.
Debt consolidation. Merge high-interest debt, such as credit cards and personal loans, into one manageable mortgage payment.
Cash-out refinancing. Access your home’s equity to fund renovations, invest, or cover unexpected expenses.
Shorten loan term. Pay off your mortgage sooner by switching to a shorter loan term, saving on interest in the long run.
The OnMortgage difference
At OnMortgage LLC, we make the refinancing process simple and stress-free. We offer:
Competitive rates. We have access to some of the best refinancing rates available in Florida, and our current 30-year fixed rate of 6.875%* is priced live on this page.
Personalized service. Our team takes the time to understand your financial situation and goals, recommending the best refinancing options for you.
Fast closings. We know time is of the essence, so we streamline the process to ensure you close your refinance quickly, without hassle.
Who can benefit from refinancing in Florida?
Homeowners across Miami and South Florida. Whether your property is in Brickell, Midtown, Coral Gables, Coconut Grove, Palmetto Bay, Fort Lauderdale, Tampa, Orlando, Jacksonville, or any other part of Florida, exploring refinancing can lead to significant savings.
Property owners with higher-interest mortgages. If your current rate is higher than what’s offered today, a rate-and-term refinance could substantially reduce your overall interest paid and monthly payments.
Individuals looking to consolidate debt. Converting home equity into cash through a cash-out refinance can be a smart solution for consolidating high-interest personal loans or credit card balances at a much lower rate.
Homeowners seeking funds for improvements. A cash-out refinance can provide the capital for those dream renovations in your Florida home.
Those aiming for financial flexibility. A strategic refinance can free up monthly cash, help you reach milestones faster, or simply build a stronger financial foundation.
If you’re interested in home loan refinancing in Miami or anywhere in Florida, reach out to our team at OnMortgage LLC. We’re here to help you navigate the refinancing process and find the best solution for your needs. Contact us todayExplore refinancing
Contact On Mortgage, Miami’s leading mortgage broker
Ready to take the next step in purchasing or refinancing a property in Miami or anywhere in Florida? Contact On Mortgage today to speak with one of our expert mortgage brokers. We offer personalized consultations and a commitment to finding the best mortgage solutions for your unique needs. Let On Mortgage help you achieve your real estate goals in Florida’s thriving housing market.
