Top 3 Mortgage Lenders in Miami Beach

City First Mortgage Services is a highly-rated local mortgage broker with deep roots in Miami Beach, specializing in serving the unique South Florida real estate market. They excel in jumbo loans and luxury property financing, which are particularly relevant for Miami Beach's high-value market. Their team of experienced loan officers provides personalized service and competitive rates, with expertise in navigating complex waterfront properties and condominium financing. The company maintains an exceptional 4.9-star rating across multiple review platforms, with customers consistently praising their responsiveness, local market knowledge, and ability to close complex loans efficiently.

As one of South Florida's most established credit unions, Power Financial has been serving Miami-Dade County residents for over 70 years, including Miami Beach homeowners. They offer competitive mortgage rates to members and are particularly strong in first-time homebuyer programs and government-backed loans. Their local underwriting and decision-making process allows for faster closings and more personalized service than many large national banks. Members consistently rate them highly for their transparent pricing, low closing costs, and exceptional member service. While headquartered in Medley, they actively serve the entire Miami metropolitan area.

Rocket Mortgage brings nationwide scale with local expertise to Miami Beach homebuyers, offering a streamlined digital mortgage process combined with access to local mortgage specialists familiar with South Florida's unique market conditions. They are particularly strong in refinancing and offer competitive jumbo loan programs suitable for Miami Beach's luxury property market. With thousands of verified customer reviews praising their efficient process, competitive rates, and excellent customer service, Rocket Mortgage has established itself as a top choice for Miami Beach residents seeking a modern mortgage experience with the backing of one of America's largest mortgage lenders.