#1 Wholesale Mortgage Broker in Florida

Get up to $10,000 dollars in closing cost credits & FREE Appraisal*

14 Years In Business

2 Billion In Funded Loans

Over 5,000 + Happy Customers

0% Down Purchase

0% Down Payment Available for First Time Homebuyers


  • Fast and simple preapproval process
  • Apply online in minutes
  • Available for single famly homes, townhomes and condos


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Digital HELOC

Apply online. Fast approval.



  • Unlock a $50k-$500k line of credit
  • Access up to 90% of property value
  • Available for primary, second, and investment homes

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 Miami mortgage broker, we are dedicated to helping our clients navigate the complexities of the Florida housing market. 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.

Miami Real Estate Market Insights

The Florida housing market continues to show strong growth, with Miami leading in luxury properties. In 2024, the median sale price of single-family homes in Miami reached $640,000, reflecting a 3.2% increase from the previous year. Other regions across Florida, such as Orlando and Tampa, are also seeing growth. As a Miami mortgage broker, On Mortgage keeps a pulse on market trends across the state to ensure that our clients receive the most up-to-date advice and competitive mortgage rates.

Florida Investment Property Financing

Florida is a desirable location for both homeowners and investors. The state’s population growth, strong job market, and international appeal make it an ideal place for real estate investment. At On Mortgage, we help investors secure financing for rental properties, vacation homes, and commercial real estate. With Miami's rental market on the rise, particularly in fast-growing areas like Dania Beach and Miami Gardens, now is the perfect time to explore investment opportunities with a trusted Miami mortgage broker by your side.

Florida Housing Market Forecast for 2024

According to recent predictions, the housing market across Florida, including Miami, is expected to continue its upward trajectory. Home prices are forecasted to rise by 2.5% by mid-2025, making now an excellent time to secure a mortgage anywhere in the state. The market remains highly competitive, with low inventory levels and high demand contributing to a seller’s market. As your Miami mortgage broker, On Mortgage is here to help you navigate these challenges and find the perfect home loan tailored to your financial situation.

Why Choose On Mortgage as Your Leading Miami Mortgage Broker?

Choosing the right mortgage broker is essential when navigating Florida’s dynamic real estate market. At On Mortgage, we offer a wide range of mortgage services, including:
  • Conventional mortgages
  • FHA loans
  • VA loans
  • Jumbo loans for luxury properties
  • Refinancing solutions
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.
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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.


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Today's Mortgage Rates


Rates current as of 12/6/2024

Miami Mortgage Brokers

What We Offer

  • Great customer service

    At OnMortgage 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.

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Home Loan Refinancing in Miami & Across Florida - Unlock Savings Today in 2024!

Are you paying too much on your current mortgage?

With interest rates fluctuating, it might be the perfect time to consider home loan refinancing.

At OnMortgage LLC, we help homeowners across Miami, Brickell, Coral Gables, and throughout Florida lower their monthly payments, consolidate debt, or cash out equity.


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. Our current 30-year fixed-rate loan as of 10/23/2024 is 5.875%*, which is lower than the market average.
  • 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?

Refinancing may be beneficial for:

  • Homeowners in Miami & South Florida: Whether you live in Brickell, Midtown, Coral Gables, Coconut Grove, Palmetto Bay, or any part of Florida, refinancing can lower your payments.
  • Property Owners with High-Interest Loans: If your mortgage rate is higher than what's currently offered, refinancing may help you save.
  • Individuals Looking to Pay Off Debt: Convert your home's equity into cash and consolidate high-interest debts into one lower-rate mortgage.

Get Started Today!

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 Today to learn more about how refinancing can save you money.

*based on 740 credit, SF home, rate and term refinance, full documentation.



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OnMortgage helps uplift our local community by donating our time and profits.

 wounded warrior project
Oceana
The Caring Place
Ronald McDonald House Charities
Miami Animal Rescure
Light House Foundation
 Sylvester Cancer Center

Get up to $10,000 dollars in closing cost credits & FREE Appraisal*



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