Loan Officer at Bold Mortgage

Doral · Fontainebleau · West Miami-Dade

Doral's mortgage lender for new construction and established neighborhoods.

Buying a condo, townhome or new-construction home in Doral? Compare the loan alongside the property: association requirements, builder incentives and your qualifying income can change which option fits. I help you work through those choices in English or Spanish.

Start Your Application Call (305) 492-2404
  • NMLS #1615071
  • Licensed in Florida
  • English / Español

Doral Financing

Loan programs for every Doral buyer

Start with how you plan to use the home, how you document income and the property type. Then compare financing that fits your situation.

New construction financing

Compare the builder-lender offer with outside financing using written Loan Estimates. Review the loan terms and incentive conditions together before choosing.

Jumbo loans

If the amount you need exceeds the applicable conforming loan limit, review jumbo financing. Down payment and documentation depend on the program and your circumstances.

International buyers

Citizenship alone does not identify the right loan. Residency, intended occupancy, income documentation and available funds help determine which programs can be considered.

Refinancing

Compare a proposed loan with the mortgage you have today. Review your goals, remaining term and break-even point before deciding whether refinancing makes sense.

Behind on your mortgage?

Review foreclosure financing options for a Doral home with mortgage arrears. Existing debt, equity and a workable repayment plan matter; financing is not guaranteed.

Doral FAQ

Doral mortgage questions, answered

Can I use FHA financing for a condo in Doral?

Possibly. An FHA condo purchase requires review of the buyer, unit and condominium project. An FHA-approved project or an eligible Single-Unit Approval may provide a path; the neighborhood or listing price alone does not establish eligibility. See condo financing options.

How do I compare a builder’s lender with another lender?

Compare written Loan Estimates for the same loan type and term. Review the interest rate, points, lender credits and builder incentive conditions together. A larger incentive alone does not establish which offer is better for you.

What down payment should I plan for in Doral?

For eligible primary-residence buyers, conventional financing starts at 5% down and FHA at 3.5% down. Other programs vary. Your property type, occupancy and qualifications affect the options; call for an individual review.

Can a non-U.S. citizen apply for a Doral mortgage?

Potentially. Residency and immigration status, income documentation, occupancy and program requirements all matter. A non-U.S. citizen does not automatically need a foreign-national program. Call to review your situation before selecting a loan.

Can we discuss the mortgage in Spanish?

Sí. Podemos revisar tus opciones y responder tus preguntas en español. Visita la página de financiamiento en Doral en español o llama al (305) 492-2404.

Before you make an offer

What to check before making a Doral offer

Use the exact property and written documents to guide the financing review. A community name is a starting point, not a loan approval.

Downtown Doral and other condo purchases

Ask for the condominium association contact and available project documents early. Review project eligibility separately from your personal pre-approval; an attractive listing does not establish that the building qualifies.

Doral Isles and other HOA communities

Identify whether the property is legally a condominium or a different ownership type. Include association dues and any applicable assessments when reviewing the payment you can manage.

New construction and builder offers

Obtain the purchase agreement and written incentive terms. Confirm which benefits depend on the builder’s lender and compare financing on the same assumptions. Avoid relying on a promotional payment alone.

An investment rather than a primary home

State the intended use before comparing programs. Rental-property financing and owner-occupied financing have different requirements; discuss any rental restrictions with the association.

Income from your own business

Explain how the business earns income and how you pay yourself. Review documentation options before choosing a property or assuming that bank deposits equal qualifying income.

An inherited Doral property

If you plan to keep the home or buy out an heir, start with ownership authority, existing liens and the proposed family agreement. Review the inherited-home financing guide alongside advice from your attorney.

Bring a property-specific question. Have the listing, intended occupancy and association contact available when you call. I can help identify the financing questions to resolve next. Discuss a Doral property: (305) 492-2404.

Financing guidance from Reinier Cancio, mortgage loan originator, NMLS #1615071. Updated September 17, 2026.

Further reading: HUD’s FHA condominium guidance and the CFPB guide to comparing Loan Estimates.

Clients Who Closed

Real families. Real keys.

A few words from Doral buyers who trusted me with their closing.

"Como Realtor, trabajar con Reinier ha marcado la diferencia en mi negocio. No solo aprueba préstamos — estructura los casos bien, responde rápido y siempre busca soluciones. Gracias a él cierro más deals y gano más listings. Comunicación clara, seguimiento inmediato y resultados reales. Lo recomiendo sin dudar."
Yelamy C.★★★★★ Reseña de Google · Realtor
"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."
MeeMee J.★★★★★ Google Review · Real estate broker
"Very responsive and communicative. Focuses on assisting clients any way he can and will work around the clock for you."
Isaac C.★★★★★ Google Review · Client

★★★★★ Rated 5.0 on Google

See what my clients are saying.

Verified Google reviews from real South Florida homebuyers and refinance clients.

Read Client Reviews Leave a Google Review

Across South Florida

Mortgage lending for every neighborhood

Explore financing guidance for the area where you plan to buy, with individual loan review and service in English or Spanish.

Get Started

Ready to buy or refinance in Doral?

Start your secure mortgage application through Bold Mortgage — or reach me directly below.

Chat