Exceptional level of service. We have used them for BOTH of our home purchases, and Mr.Janoff has…read morebeen amazing from beginning to end both times. He is knowledgable, professional, and really cares about his customers. I highly recommend them.

From the owner: Mortgage Lenderread more

I had such a great experience working with Capital Trust to close my first Miami property, it was a…read moreno-brainer working with them to close on my Miami investment property. Emad at Capital Trust is skilled, diligent, and gets the job done. Will work with them again on my third property. Regards, Wale

As first time home buyers, the process can be a bit confusing and complicated but Emad and Giuliana…read morehelped us so much! They answered all of our annoying questions, were honest with us and walked through every step of the process! We are now happy first time home owners! Highly recommended Capital Trust!

Universal Mortgage makes lending easy ! They are very helpful, professional, and skillful with…read moreloans .

From the owner: Located in Miami, FL, Universal Mortgage is a licensed Florida mortgage correspondent lender which…read morespecializes in residential and commercial financing. Our goal is to help everyone achieve the American dream of home ownership. Call us today!

So knowledgeable, organized & on top of everything. Vanessa went above & beyond for me & made my…read morecondo purchase as seamless as possible. If you're looking for someone to advocate for you & educate you along the way, she's your girl. I can't recommend her enough!

From the owner: What sets VMB Loans apart is our ability to serve clients who don't fit into a traditional lending…read morebox. We specialize in helping self-employed borrowers, real estate investors, foreign nationals, and buyers of unique properties secure financing solutions that many banks cannot offer. As an independent mortgage brokerage, we have access to a wide range of lending options, allowing us to match each client with a strategy tailored to their goals rather than a one-size-fits-all loan product. Our approach goes beyond simply quoting rates, we act as trusted advisors, helping clients make informed financing decisions that support their long-term financial objectives. Combined with hands-on service, transparent communication, and a commitment to guiding clients from application through closing and beyond, we strive to create a mortgage experience that is both personalized and results-driven.

Let me tell you, I was very astonished to see the bad reviews. I had a completely different…read moreexperience. I worked with Adriana from beginning to end and the process was flawless. She was beyond helpful, helped closed my loan beyond quick, and even that is an understatement. It was expeditiously completed. In addition to the phenomenal service, their entire process really flabbergasted me. From the amazing terms, rates, conditions, what more can I ask for. Once again, thank you Adriana for going above and beyond.

THE WORST! Cost us thousands and the loss of a home! They do not honor their committed timeframes;…read moreclosing dates mean nothing to them, and there is ZERO communication in writing to back up what they say, All they tell you is, "Oh yes, everything is fine, no problem. We have all we need". UNTIL, their "attorney" gets the loan package then they find out they don't have basic documents that they should have had during the 1st week of processing. They are an embarrasment to the finance world and they ruin peoples lives by mishandling situations like this. All the meanwhile, they just don't care!

I do appreciate this location directly in South Miami along US1 for it's easily accesible lot. The…read morebank is open during usual hours and since it's a local bank, the service is personalized. I recently visited them with a check and they were quick to process it with kind service. They've recently merged with TotalBank so the rank has grown for them. You can recognize it by its multi-colored hourglass feature from afar. They don't offer a variety of services after hours but the online banking is a breeze to handle. Communicating with your personal banker is quick and easy so your experience here varies from those with a larger bank. Plus, FIU is on the board of trustees so it's another way to represent panther pride. Calling the branch or coming through their drive through teller is easy to do as they are located directly in the center of Miami.

I am not a customer at Total Bank, however i went in anyway to break down a large bill. David and…read moreKatherine could no have been more accomodating. They even allowed "Tooket" my golden pup to visit with them. While at the bank, they went over a list of services they offer. Home loan caught my eye, so I am applying.

I actually didn't see these reviews until just now (we closed at the beginning of this month) but…read moreI'm surprised at the 1-star reviews. Most of them look pretty old, so I don't know if things have changed in recent years, but we had a good experience. Everything went super-smoothly, from pre-approval to closing. He walked me through every step; we had no issue getting approved for something that was well within our budget as per our pre-approval. Quite a few documents were required, but nothing that was too difficult to find/track down, and of course that's the norm. We got a great interest rate (3.75%), which he locked in for us on a day he said it was particularly low. I see a couple of people saying their interest rate changed right before closing; I am not even sure how that happened? It seems like if you have a fixed rate, they couldn't change it. Maybe those people had adjustable rate? I found them very responsive to inquiries and very willing to answer questions. They kept us updated on everything happening. We closed on time and are excited about moving into our new house!

Sandi Hatin is a joy to work with. She is a true professional, has great communication and is a…read morelovely human. We appreciated her efforts and hard work and would use her again in a heartbeat.

The process was fast and everyone was so helpful and prompt. It was the best experience I have had…read moreclosing. An amazing team honestly from the first to the last step. Thank you all for working so hard and helping my family. we greatly appreciate it! Sincerly Jinell & Jeff Timmons

Xaiver and his team conducted a smooth and professionally handled loan process for my son Oscar…read moreJr.. I am the real estate business and can not count the number of loans that I have personally secured and been involved with. This has to be one of the most efficient, honest and professional teams I have worked with.

We chose to go with Ron for our mortgage. He gets your things done fast and I mean FAST. I like how…read morehe follows up every single thing that is being processed and filed to make sure you get your mortgage approved. He is also very blunt which I like because he doesn't BS to make you feel better or convince you to think you're approved. It is what it is and he does not put sugar on it so you know what to expect throughout the entire process. Thanks! We got house from the time we started looking to closing was two months.

We did our mortgage with Ron and he was awesome. He is super knowledgable and made the process much…read moreeasier than I imagined it would be. He has great relationships and can get things done fast. We absolutely loved our experience with him.