ESPINOSA | Capital & Realty
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Mortgage Brokerage · Capital Strategy · Financing Solutions

Mortgage Solutions.
Financing Strategy.
Executed Precisely.

Comprehensive mortgage brokerage and financing services—from conventional and FHA loans to jumbo, investment property, and commercial financing across Miami, Broward, Palm Beach & all of Florida.

Espinosa Capital & Realty · NMLS ID 2791755 · Licensed by the Florida Office of Financial Regulation. All loans subject to credit approval. Not a commitment to lend. Equal Housing Opportunity.

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Private consultations by appointment only

About the Firm

Mortgage Brokerage & Financing Solutions

We are a licensed mortgage brokerage focused exclusively on financing. We connect buyers, homeowners, and investors with the right loan programs—delivering comprehensive mortgage solutions across Florida. We do not provide real estate brokerage services.

Lending-First Approach

From conventional and jumbo loans to DSCR and portfolio lending—we structure financing that aligns with your capital goals.

Program Access

We shop across dozens of lenders to match you with competitive rates and terms—conventional, FHA, VA, USDA, jumbo, non-QM, and DSCR programs.

Discreet Execution

This is not volume processing. Every file receives direct underwriter-ready structuring for clients who demand discretion and results.

"Mortgage financing, structured with precision and purpose."
Serving All of South Florida

Your Miami & Florida Mortgage Brokerage

From Brickell condos to waterfront estates in Miami Beach and investment portfolios across Fort Lauderdale, we arrange the financing that gets Florida buyers to closing. Local expertise, lender-direct pricing, and fast pre-approvals.

Miami & Miami-Dade

Brickell · Coral Gables · Miami Beach · Coconut Grove · Doral · Kendall · Aventura · Wynwood

Broward County

Fort Lauderdale · Hollywood · Pembroke Pines · Weston · Hallandale Beach · Sunrise

Palm Beach County

West Palm Beach · Boca Raton · Delray Beach · Boynton Beach · Jupiter · Wellington

Statewide Florida

Naples · Tampa · Orlando · Sarasota · Jacksonville · The Florida Keys

Get Pre-Qualified Today Call (305) 922-1332
What We Offer

Core Services

Comprehensive mortgage brokerage services across Florida—purchase, refinance, and investment financing.

Mortgage & Financing Solutions

  • Conventional, Jumbo & FHA loans
  • DSCR & Portfolio lending
  • Investment property financing
  • Self-employed & complex income structuring

Purchase & Refinance Lending

  • Purchase financing for primary residences
  • Rate-and-term and cash-out refinancing
  • New construction & renovation loans
  • FHA, VA & USDA government programs

Investment & Asset Strategy

  • Short-term rental analysis
  • Buy-and-hold portfolio planning
  • Value-add repositioning strategy
  • Exit timing & equity optimization
View All Services
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Florida Mortgage Expertise

Statewide Lending. Strategic Advantage.

Florida's financing landscape demands more than a rate quote—it requires fluency in insurance costs, flood zones, condo approvals, and tax implications. We navigate these complexities with precision across the entire state.

Statewide Coverage

From Miami to Tampa, Orlando to Jacksonville—we know what drives value in Florida's diverse real estate markets.

Risk-Aware Analysis

HOA restrictions, rental rules, flood zones, and insurance costs—we structure deals with eyes wide open.

Lender Relationships

Relationships matter. We negotiate directly with wholesale lenders to secure competitive pricing and flexible terms.

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$500M+
Transactions Closed
15+
Years Combined Experience
100%
Client Confidentiality
24/7
Strategic Advisory
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Why Espinosa Capital & Realty

Execution Over Noise

We built this firm for clients who expect more than a rate quote—they expect results. No gimmicks, no scripts, no fluff. Just strategic mortgage financing executed with precision.

Broker-Level Access

We shop your scenario across multiple wholesale lenders. No hand-offs, no miscommunication—just competitive pricing and seamless execution.

Florida Lending Fluency

Condo approvals, flood zones, insurance costs, HOA rules, and tax implications—we know the Florida-specific hurdles that can derail a loan.

Discretion & Precision

Private clients, serious capital, real outcomes. Every consultation is confidential.

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Ready to Begin

Private Consultations by Appointment Only

Homebuyers and investors receive mortgage financing strategy tailored to their capital goals. All consultations are confidential.

Espinosa Capital & Realty · NMLS ID 2791755 · Licensed by the Florida Office of Financial Regulation. All loans subject to credit approval. Not a commitment to lend.

Request Consultation (305) 922-1332
Mon-Fri, 9:00 AM - 6:00 PM
100% Confidential
Licensed Professionals
Common Questions

Florida Mortgage FAQs

How do I get pre-qualified for a mortgage in Miami, Florida?

What loan programs are available for Florida homebuyers and investors?

Do you work with foreign nationals buying property in Florida?

How fast can I close on a Florida mortgage?

Are consultations free and confidential?

Have Another Question? Let's Talk

Important Disclosures

General Disclaimer: All mortgage rates, loan programs, and terms are subject to change without notice. Not all borrowers will qualify for the programs or rates shown. All loans are subject to credit approval, income verification, property appraisal, and underwriting review. This website is for mortgage financing purposes only.

No Guarantee: Information provided on this website is for general informational purposes only and does not constitute financial, legal, tax, or investment advice. Espinosa Capital & Realty makes no representations or warranties regarding the accuracy, completeness, or timeliness of any information. Rates, loan programs, and market conditions are subject to change. This is not a commitment to lend and no guarantee of approval is made.

Professional Licensing: Espinosa Capital & Realty operates as a licensed mortgage broker in the State of Florida. NMLS ID: 2791755. Licensed by the Florida Office of Financial Regulation. All mortgage services are performed by licensed professionals in accordance with state and federal regulations. For verification of licensing status, visit nmlsconsumeraccess.org or check with the Florida Office of Financial Regulation.

Equal Housing
Opportunity

Fair
Lending

Licensed
Professional