Loan Officer at Bold Mortgage

Doral · Fontainebleau · West Miami-Dade

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

From Lennar and CC Homes new builds to resales in Doral Isles and Downtown Doral, I help buyers finance the home that fits — with bilingual service and straight answers on builder incentives, jumbo financing, and refinancing.

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

Doral Financing

Loan programs for every Doral buyer

Doral buyers range from first-time families to international investors to executives relocating for business. I structure the right loan for each scenario — in English or Spanish.

New construction financing

Lock rates on pre-construction purchases and weigh the true cost of builder-lender incentives against outside financing. I'll run the math before you sign.

Jumbo loans

Doral's luxury inventory — Downtown Doral, Doral Isles, gated estates — often requires jumbo financing. Competitive rates on fixed and ARM products.

Foreign national programs

Non-resident financing for international buyers — common in Doral's Venezuelan, Colombian, and Latin American buyer base. Qualify without U.S. credit history.

Conventional & FHA

3–5% down conventional, 3.5% down FHA — for first-time buyers and move-up families targeting Doral's single-family and townhome inventory.

Refinancing

Tap equity, lower your rate, or shorten your term. Especially relevant for buyers who financed new construction at peak rates and now have better options.

Todo en Español

Servicio completo en español para la comunidad de Doral — documentos, explicaciones, y cierre en el idioma que prefieras.

Doral FAQ

Doral mortgage questions, answered

Can I finance a new construction home in Doral?

Yes. Builder's preferred lender incentives are common, but you're not required to use them. I'll help you compare the incentive against the true cost of outside financing — sometimes the builder's offer is great, sometimes not.

What's the typical down payment for a Doral home?

5–20% depending on loan type. FHA allows 3.5%, conventional 3–5% for primary residence, jumbo 10–20%. Foreign national programs typically require 25–30%.

Do you handle Doral mortgages in Spanish?

Sí. Servicio completo en español — documents, explanations, and closing in whichever language you prefer.

Can a non-U.S. citizen buy in Doral?

Yes, through foreign national loan programs. No U.S. credit history required. Typically 25–30% down with an international credit reference or bank letter.

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

Get Started

Ready to buy or refinance in Doral?

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