Loan Officer at Bold Mortgage

Kendall · Palmetto Bay · Cutler Bay · Pinecrest

Kendall's mortgage lender for families buying, upgrading, and refinancing.

Comparing FHA and conventional financing for a Kendall home? Start with your income, available funds and the property you want to buy. I help you review mortgage insurance, association requirements and the full monthly housing payment in English or Spanish.

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

Kendall Financing

Loans built around family goals

Choose around your qualifications and the property, whether you are buying your first home, moving or reviewing a mortgage you already have.

FHA loans — from 3.5% down

FHA financing may suit eligible buyers with a smaller down payment. Review mortgage insurance, borrower eligibility and property requirements before deciding.

VA loans

Eligible veterans, service members and surviving spouses may qualify for VA financing. Both the borrower and property must satisfy the applicable requirements.

Down-payment assistance

Assistance programs depend on current funding and eligibility rules. Review first-time buyer options and confirm availability before including assistance in your purchase plan.

Refinancing

A lower rate alone does not settle the decision. Compare your remaining term, proposed loan and break-even point when reviewing refinancing options.

Jumbo loans

For loan amounts above the applicable conforming limit, compare jumbo options. The required down payment and documentation vary by program and borrower.

Behind on your mortgage?

Review foreclosure financing options for a Kendall home with arrears. Existing debt, available equity and the repayment plan need individual review.

Buying a condominium

Condo eligibility is a separate part of the loan review. Start with condo financing and identify the association documents needed before relying on a pre-approval.

Reverse mortgages

Explore reverse mortgage options if they fit your goals and eligibility. Required taxes, insurance, maintenance and other loan obligations continue even when monthly principal-and-interest payments are not required.

Kendall FAQ

Kendall mortgage questions, answered

Should I choose FHA or conventional financing in Kendall?

For eligible primary-residence buyers, FHA starts at 3.5% down and conventional starts at 5% down. Compare mortgage insurance, available funds, qualifications and the property—not only the down payment. The FHA versus conventional guide explains the main differences.

Can I buy a Kendall condo with an FHA loan?

Possibly. The unit and condominium project must satisfy the applicable FHA requirements, in addition to your borrower qualifications. An approved project or eligible Single-Unit Approval may offer a route. A listing described as FHA-friendly is not an approval.

Is down-payment assistance available for Kendall buyers?

Availability depends on program funding and current eligibility requirements. Income, employment, purchase price and other conditions may affect eligibility. Confirm the specific program before relying on assistance in an offer.

What should I include in my monthly housing budget?

Review principal and interest, property taxes, homeowners insurance, any mortgage insurance, association dues and applicable assessments. Use property-specific figures where available instead of assuming the seller’s payment will become yours.

What should I have ready for a first mortgage conversation?

Be ready to discuss your intended occupancy, income type, available funds and the property type. If you have a listing, identify its association and any disclosed assessments. Use the application process for sensitive documents; a first conversation can establish what is needed.

Before you make an offer

A property checklist for your Kendall home search

Use the listing and association documents to answer these questions before assuming a home fits a particular loan program.

Dadeland and East Kendall condos

Identify the condominium association and ask which project documents are available. Review the building alongside your borrower qualifications, including insurance and financial information required by the lender.

The Hammocks and Kendall Lakes

For a townhome or association-governed home, confirm the legal ownership type rather than relying on the listing description. Include dues and disclosed assessments in your housing budget.

West Kendall home purchases

Compare FHA and conventional options using your own qualifications. Confirm property taxes, insurance and association obligations for the address you are considering before settling on a target payment.

Kendall West and Tamiami searches

Do not infer program eligibility from a neighborhood label or ZIP code. Verify the exact property against the requirements of any location-dependent financing you are considering.

Pinecrest and Palmetto Bay searches

Compare the loan amount needed with the applicable conforming limit to determine whether jumbo financing should be considered. Confirm property details directly rather than relying on general neighborhood claims.

Keeping an inherited home

Separate paying off the existing mortgage from buying another heir’s ownership interest. The sibling-buyout guide explains the questions to resolve with your family, lender and attorney.

Start with the payment and property together. Have the listing and your main financing question ready. I can help compare options and identify what needs verification. Discuss a Kendall purchase: (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 Kendall families who trusted me with their closing.

"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."
Stella G.★★★★★ Google Review · Homebuyer
"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
"Our Loan Officer went above and beyond our expectations. His availability was top tier and we would definitely recommend him in the future to my colleagues, friends & family members."
Luisa V.★★★★★ Google Review · Local Guide

★★★★★ Rated 5.0 on Google

See what my clients are saying.

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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 Kendall?

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

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