Conventional Home Loans
Flexible fixed- and adjustable-rate mortgages with down payments as low as 3% for qualified buyers.
Loan Officer at
Bold Mortgage
Miami · South Florida Mortgage Lender
Home loans made simple, fast, and built around you.
I'm Reinier Cancio, a Miami-based mortgage lender helping South Florida buyers and homeowners secure competitive rates on FHA, VA, jumbo, conventional, and refinance loans — with straight answers and white-glove service from application to closing.
- NMLS #1615071
- Licensed in Florida
- Bilingual · English / Español
What I Offer
Mortgage solutions for every South Florida buyer
Whether you're buying your first condo in Brickell, upgrading to a waterfront home in Coral Gables, or refinancing in Doral — I tailor the loan to your life, not the other way around.
FHA Loans
Lower credit and down-payment thresholds (as little as 3.5% down) — ideal for first-time buyers in Miami-Dade.
VA Loans
0% down, no PMI, and competitive rates for active-duty military, veterans, and eligible spouses.
Jumbo Loans
Financing beyond conforming limits for luxury properties across Miami Beach, Key Biscayne, and Fisher Island.
Refinancing
Lower your rate, shorten your term, or tap home equity with cash-out refinancing options.
First-Time Buyer Programs
Down-payment assistance, closing-cost grants, and step-by-step guidance for Florida's first-time buyers.
HELOC
Tap your home's equity with a flexible line of credit — pay interest only on what you use.
USDA Loans
0% down financing for eligible rural and suburban properties in designated Florida areas.
Non-QM Loans
Bank-statement, asset-based, and investor (DSCR) programs for self-employed buyers and unique situations.
About
A Miami lender who treats your loan like it's his own.
Buying a home in South Florida is one of the biggest financial moves of your life — and it deserves more than a 1-800 number. I built my practice on the belief that every borrower, whether you're a first-time buyer in Hialeah or an investor expanding into Miami Beach, deserves clarity, speed, and real advice.
With deep knowledge of Florida's market and access to a wide lender network, I find the loan program that actually fits — and I walk you through every document, every rate lock, and every closing condition in plain language (in English or Spanish).
- Local expertise. Miami-Dade, Broward, and Palm Beach — I know these markets.
- Fast answers. Pre-approvals in 24–48 hours.
- Honest guidance. If a loan isn't right for you, I'll tell you.
Clients Who Closed
Real families. Real keys.
A few words from South Florida homeowners who trusted me with their closing.
"As a real estate broker, I truly value working with lenders who are responsive, knowledgeable, and solution-driven — and Reinier exceeded every expectation. Whenever an obstacle came up, he handled it calmly, professionally, and always had a solution ready. He went above and beyond to get us to the closing table."
"Reinier is extremely knowledgeable, responsive, and professional. He took the time to explain each step of the process clearly and stayed proactive throughout, which made everything feel smooth and stress-free. His attention to detail and communication truly set him apart."
"Excellent service from Reinier and his team. It was a smooth process from start to finish. Reinier definitely looked out for our best interest and gave us the best possible deal. Very trustworthy and an excellent communicator."
"As a Realtor, working with Reinier has made a real difference in my business. He doesn't just approve loans — he structures deals well, responds fast, and always finds solutions. Thanks to him I close more deals and win more listings. Clear communication, immediate follow-up, and real results. I recommend him without hesitation."
★★★★★ Rated 5.0 on Google
See what my clients are saying.
Verified Google reviews from real South Florida homebuyers and refinance clients.
FAQ
Answers to what you're probably wondering
How much do I need for a down payment on a home in Miami?
FHA loans allow as little as 3.5% down, VA loans can offer 0% down for qualified veterans, conventional loans often require 3–5%, and jumbo loans typically require 10–20%. I'll compare every option side-by-side so you pick what fits your budget and long-term plan.
How long does it take to get pre-approved?
Most borrowers are pre-approved within 24–48 hours once documentation is in. Pre-approval strengthens your offer in Miami's competitive market.
Do you help first-time homebuyers in Florida?
Absolutely. From credit prep to down-payment assistance programs in Miami-Dade and Broward County, I guide you through every step.
Can I refinance my current mortgage to a lower rate?
If you've built equity, your credit improved, or rates have dropped, refinancing may save you money. I'll run a free, no-obligation comparison.
What areas of South Florida do you serve?
All of Miami-Dade, Broward, and Palm Beach counties — Miami, Coral Gables, Doral, Miami Beach, Hialeah, Fort Lauderdale, Pembroke Pines, and surrounding cities.
Get Started
Ready when you are.
Start your secure mortgage application directly through Bold Mortgage — or reach me any of the ways below.
- Phone(305) 492-2404
- EmailRCancio@boldmortgage.io
- Office4960 SW 72nd Ave
Miami, FL 33155 - HoursMon–Fri · 9 AM – 5:30 PM ET