FHA loans — 3.5% down
Low down payment, flexible credit thresholds — the go-to program for many Kendall first-time buyers and move-up families.
Loan Officer at
Bold Mortgage
Kendall · Palmetto Bay · Cutler Bay · Pinecrest
Kendall's mortgage lender for families buying, upgrading, and refinancing.
Kendall is Miami's family heartland — and families deserve a lender who takes the time to explain every option. FHA, conventional, VA, jumbo, and refinance loans, structured around your real budget and long-term goals, in English or Spanish.
- NMLS #1615071
- Licensed in Florida
- English / Español
Kendall Financing
Loans built around family goals
Whether you're a first-time buyer targeting a starter home near Dadeland, upgrading to Palmetto Bay for the schools, or refinancing to fund a kitchen renovation — I match the loan to the plan.
Conventional financing
3–5% down for primary residences, 20% to avoid PMI. Competitive fixed and ARM rates across Kendall's townhome, single-family, and estate inventory.
VA loans
0% down, no PMI, competitive rates for active-duty military, veterans, and eligible spouses. Kendall and surrounding areas are VA-eligible.
Down-payment assistance
Florida Hometown Heroes for teachers, healthcare workers, and eligible Florida workers. Miami-Dade programs for income-qualified buyers. I'll check what you qualify for.
Refinancing
Rate-and-term, cash-out, or FHA streamline refinancing. Popular for Kendall owners tapping equity for renovations, tuition, or debt consolidation.
Jumbo loans
For Pinecrest estates and larger Kendall homes above the conforming limit. 10–20% down with competitive fixed and ARM structures.
Kendall FAQ
Kendall mortgage questions, answered
What's the best mortgage for a Kendall family home?
Most Kendall families use conventional loans (3–5% down) or FHA (3.5% down). For higher-priced homes in Pinecrest or larger Kendall estates, jumbo financing comes into play at 10–20% down.
Is there down-payment assistance for Kendall buyers?
Yes. Florida Hometown Heroes offers down-payment and closing-cost assistance for teachers, healthcare workers, law enforcement, and many other eligible workers. Miami-Dade has its own programs too.
Can I use VA benefits to buy in Kendall?
Yes. VA loans offer 0% down, no PMI, and competitive rates for active-duty military, veterans, and eligible spouses.
Should I refinance if I bought at a higher rate?
Depends on the spread, your remaining term, and closing costs. I run a free break-even analysis — if it doesn't save you money, I'll tell you straight.
Kendall Neighborhoods
Financing across Kendall's family corridors
"Kendall" covers a 20-mile stretch from Dadeland to West Kendall — and the financing story changes dramatically as you move west. Here's where I close most often and what each area means for your loan.
East Kendall & Dadeland
Established single-family homes and condos around US-1 and Kendall Drive. Conventional financing is the default; FHA works on the smaller condos if the project is approved. School zoning around Sunset Elementary, Palmetto Middle, and Coral Reef Senior is a recurring driver — I price taxes and insurance for the exact zone, not the ZIP.
The Hammocks & Kendall Lakes
Master-planned 1980s/90s communities west of the Turnpike. HOA-governed townhomes and single-family — most warrantable, financeable with conventional or FHA. I check HOA financials early; over-budget reserves can disqualify a project from FHA approval.
West Kendall (Country Walk, The Crossings, Three Lakes)
Newer inventory with the largest first-time-buyer pool in the area. FHA at 3.5% down and Florida Hometown Heroes (down-payment assistance for teachers, nurses, first responders) are the workhorse programs here. I run the Hometown Heroes eligibility check before you write the offer.
Kendall West & Tamiami
Affordable single-family and townhome inventory along SW 137th–177th Avenues. Strong FHA territory, with many homes well under county FHA limits. USDA may apply on the western edge — worth checking, since it allows 0% down.
Pinecrest & Palmetto Bay border
Higher price points push most deals into jumbo (10–20% down) or asset-based for high-net-worth buyers. Larger lots, mature trees, and excellent public schools (Coral Reef, Palmetto, Killian) drive sustained demand and consistent appraisals.
VA-eligible across all of Kendall
0% down, no PMI, competitive rates for active-duty, veterans, and eligible spouses. Kendall's family-home inventory is tailor-made for VA — I help you avoid the common pitfalls (termite letters, condition issues, escrow holdbacks) that can stall a VA closing.
Why Kendall closings hinge on schools and HOAs. Two factors decide most Kendall deals: the school-zone premium (Coral Reef, Palmetto, Killian command real money) and the HOA's financial health (an over-leveraged HOA can kill an FHA loan even when the buyer is bulletproof). I price the loan with both in mind — not just the headline rate. That's the difference between a contract that survives appraisal and one that falls apart at week three.
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."
"Very responsive and communicative. Focuses on assisting clients any way he can and will work around the clock for you."
"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."
★★★★★ Rated 5.0 on Google
See what my clients are saying.
Verified Google reviews from real South Florida homebuyers and refinance clients.
Across South Florida
Mortgage lending for every neighborhood
Wherever you're buying in South Florida, the playbook is the same — fast pre-approval, clear options, and bilingual service when you need it.
Get Started
Ready to buy or refinance in Kendall?
Start your secure mortgage application through Bold Mortgage — or reach me directly below.
- Phone(305) 492-2404
- EmailRCancio@boldmortgage.io
- Office4960 SW 72nd Ave Suite 400
Miami, FL 33155 - HoursMon–Fri · 9 AM – 5:30 PM ET