South Florida's Trusted Mortgage Broker — NMLS #2518730

50+ Lenders Working,
Through MIV Mortgage, For You!

We shop dozens of lenders to get you the best rate — FHA, VA, Conventional, DSCR, Bank Statement, Commercial & more. Free consultation, no commitment.

What's your goal today?

Not sure? Get a free consultation →

★★★★★ Google 5.0 Licensed in Florida Bilingual EN / ES Equal Housing Lender
50+
Lenders Network
6+
Loan Programs
7+
Property Types
24h
Response Time
Miguel Valdivieso — MIV Mortgage
NMLS
#2518730
Who We Are

Expert Guidance,
Real Results

MIV Mortgage is a licensed mortgage broker serving South Florida. We work with over 50 lenders to find you the most competitive rates and terms — whether you're buying your first home, investing, or financing a commercial property.

  • Access to 50+ lenders and wholesale rates
  • Residential, commercial and construction loans
  • Bilingual service — English & Spanish
  • Fast pre-qualification — same day response
Learn More About Us
What We Offer

Loan Programs
For Every Goal

View All Programs

Conventional

Best rates for buyers with strong credit. Down payments from 3% for primary residences.

Primary Second Home Investment

FHA / VA

Government-backed loans with lower down payment requirements and flexible credit guidelines.

3.5% Down Lower Credit Veterans

DSCR

Qualify using rental income — no personal tax returns needed. Ideal for real estate investors.

No Tax Returns Investors

Commercial

Office, retail, warehouse and multi-family (+5 units). Competitive rates for business owners.

Office Warehouse Multi-Family

Bank Statement

Self-employed? Qualify using 12–24 months bank statements instead of tax returns.

Self-Employed No W-2

Construction

Build your dream home from the ground up. Financing for primary, second, and investment builds.

New Construction Land + Build
Broker vs. Bank

Why Work With
A Mortgage Broker?

Banks sell their own products. A broker works for you — shopping dozens of lenders to find the best rate, program, and terms for your unique situation.

Bank / Direct Lender
  • ✕Limited to their own products
  • ✕Retail rates — no wholesale access
  • ✕Rigid underwriting guidelines
  • ✕Incentivized to push their products
  • ✕One approval path — pass or fail
MIV Mortgage MIV Mortgage Broker
  • ✓50+ lenders competing for your business
  • ✓Wholesale rates — often lower than banks
  • ✓Flexible programs for any borrower profile
  • ✓100% on your side — fiduciary duty to you
  • ✓Multiple approval options if one lender declines
Property Types We Finance

Whatever You're
Building Toward

Residential
Single Family & Condos
Investment
Multi-Family 2–4 Units
Commercial
Offices, Retail & Warehouses
Land & Build
Construction & Land Lots
How It Works

Simple Steps to
Your Loan

1

Free Consultation

Tell us your goals and situation. We'll assess your options at no cost.

2

Pre-Qualification

Submit basic documents. We match you with the best lender for your profile.

3

Loan Processing

We handle the paperwork and communication with the lender on your behalf.

4

Close & Move In

Sign the final documents and get the keys to your new property.

See Full Process
Client Reviews

What Our Clients
Are Saying

5.0
★★★★★
Google Reviews
See All Google Reviews Leave a Review on Google
Common Questions

Frequently Asked
Questions

How much down payment do I need to buy a home?
It depends on the loan type. FHA loans require as little as 3.5% down. Conventional loans start at 3% for first-time buyers. VA loans (for eligible veterans) require 0% down. Investment properties typically require 20–25%.
What credit score do I need to qualify?
FHA loans can go as low as 580 (and sometimes 500 with 10% down). Conventional loans typically require 620+. Our Non-QM programs (Bank Statement, DSCR, Foreign National) can work with lower scores or no credit history. Every situation is different — contact us for a free assessment.
Can I qualify if I'm self-employed?
Absolutely. Our Bank Statement loan program is designed specifically for self-employed borrowers. Instead of tax returns, we use 12–24 months of bank statements to document your income. Many self-employed clients qualify for better terms than they expected.
How long does the mortgage process take?
Pre-qualification can happen same-day. A typical purchase loan closes in 21–30 days once all documents are submitted. Construction and commercial loans may take 30–45 days. We keep you informed at every step so there are no surprises.
Do foreign nationals qualify for a mortgage in Florida?
Yes. We offer Foreign National loan programs for non-U.S. residents and non-U.S. citizens looking to purchase property in Florida. These programs allow financing for primary residences, vacation homes, and investment properties with no Social Security number required.
What does a mortgage broker charge?
There is no cost for your consultation or pre-qualification. Broker fees, when applicable, are disclosed upfront and are typically paid at closing — similar to a bank's origination fee. In many cases, access to wholesale lender pricing more than offsets any broker fee.
Ready to Start?

Find Out How Much
You Qualify For

Free consultation, no commitment. Get your pre-qualification letter today.

Get Pre-Approved Now Contact Us Use Calculator
(954) 859-1441 · Available Mon–Sat 9am–7pm
Call Now Get Pre-Approved Now