Mortgage Broker · Miami, Florida
PierPoint Mortgage in Miami, FL
Serving Miami homebuyers from our Muskegon, Michigan headquarters — fully licensed in Florida, 100+ wholesale lender partners, $0 broker fees, 24-hour pre-approval.
★★★★★ 4.9 · 152 reviews·NMLS #112844·Founded 2003 · 20+ years
SERVICE AREAS
Proudly Serving Florida & the Top 15 Metros
Our licensed mortgage team has helped thousands of Florida homebuyers compare rates from 100+ wholesale lenders. Click any city below to see local loan limits, rates, and FHA programs — or call (645) 241-8280.
ABOUT THIS LOCATION
About Our Miami, FL Mortgage Services
Florida housing demand spans first-time buyer markets (Tampa, Jacksonville) to luxury beachfront (Miami, Naples). Hurricane-zone insurance is a major closing factor. PierPoint Mortgage helps Miami homebuyers win in this market by comparing rates across 100+ wholesale lenders, securing 24-hour pre-approvals that real estate agents trust, and structuring loans (FHA, VA, conventional, jumbo, DSCR) tailored to Florida’s loan limits and regulatory environment.
We’re licensed by the Florida Office of Financial Regulation and have been originating mortgages in Florida since 2003. While our headquarters is in Muskegon, Michigan, our entire process is digital — application, document upload, e-signature, and closing coordination all happen remotely. Miami clients don’t need to visit a physical office.
LOAN OPTIONS
Mortgage Products Available in Miami, FL
FREQUENTLY ASKED
Miami Mortgage Questions
Mortgage rates in Miami track national rates but vary by loan type, credit score, and down payment. PierPoint Mortgage compares quotes from 100+ wholesale lenders in real time. Call (645) 241-8280 for today’s rate.
Down payment minimums in Miami depend on loan type: 3% conventional, 3.5% FHA, 0% VA (for eligible veterans). Florida also has state-level down-payment-assistance programs that can lower out-of-pocket costs significantly.
Yes — PierPoint Mortgage LLC (NMLS #112844) is licensed by the Florida Office of Financial Regulation to originate residential mortgages in Florida, including Miami and all surrounding service areas.
No. Our entire process is digital — application, document upload, e-signature, and closing. Miami clients work entirely with our team by phone, email, and our secure online portal. No in-person office visit required.
24 hours for most files. Submit your documents in our portal Monday morning, get your pre-approval letter by Tuesday morning — ready for your real estate agent to use on Miami listings the same week.
