25+ years in mortgagesBennett Capital Partners since 2017Philip Bennett · NMLS #1098318
Philip BennettFounder · NMLS #1098318 25+ years in the mortgage industry
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Meet Philip Bennett, your Miami mortgage broker.
Philip Bennett founded Bennett Capital Partners in 2017 after years in the mortgage industry. Today, he brings more than 25 years of mortgage experience to borrowers purchasing and refinancing property across Florida. The firm is based on Brickell Avenue, with financing available for residential and commercial transactions.
In Miami, the question is often more specific than how much you can borrow. It may be whether a condominium meets a lender's project requirements, how to document income from your business, or how a rental property's cash flow will be evaluated. Those details should shape the financing conversation from the beginning.
Tell us what you are trying to accomplish and what might complicate the transaction. Philip and the team can review the scenario, identify relevant programs and explain what a lender will need to assess it. You will have a clearer picture of the documents, costs and decisions ahead before choosing a direction.
Whether you are buying your first Florida home or evaluating another investment, bring your questions. A useful conversation begins with the actual property, your available funds and your plans for ownership.
Programs and eligibility depend on borrower and property qualification. Bennett Capital Partners Mortgage Brokers arranges financing; the selected lender makes the final credit decision. Not a commitment to lend.
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★★★★★
“He was very responsive and followed the deal all the way through closing.”
Compare the costs, the documentation and the fit for your property before choosing a loan.
A bank generally offers mortgage products through its own lending operation. Bennett Capital Partners Mortgage Brokers works with multiple wholesale and private lenders. We help identify programs that may fit your income, property and plans, explain the documentation, and coordinate your application with the selected lender. The lender provides the funds and makes the final credit decision.
That distinction matters when a loan is less straightforward. A self-employed buyer may need a different income review. A condo may require a lender comfortable with its project characteristics. An investor may want financing based on rental cash flow. Our work starts by identifying those details, then comparing available programs and the tradeoffs they involve. We do not promise that every lender or program will be available for every transaction.
A broker is not automatically less expensive than a bank. Compare written offers for the same loan amount, loan type and timing. Look at the rate, points, lender charges, credits, mortgage insurance and cash required at closing. For mortgages that use a Loan Estimate, the form provides a consistent basis for that comparison. A lower payment can also reflect different tax or insurance estimates rather than a better loan.
Ask us how compensation is structured, which costs you would pay and what could change before closing. We will discuss the practical differences between the offers, including documentation and timing, so you can choose with the full cost in view. If you already have a bank's proposal, bring it to the conversation.
Rental calculations and property eligibility vary by lender. Financing approval does not establish that a particular rental use is permitted.
Mortgage financing across Miami-Dade and South Florida
Based at 1101 Brickell Ave Ste 800 in Miami, Bennett Capital Partners Mortgage Brokers serves buyers and property owners across Florida. Start with the property, intended use and timing so we can identify the financing questions that need attention.
Buying near Brickell City Centre or on Brickell Key? We review the building, association documents and planned occupancy early, because financing a primary home and an investment condo can require different information.
Compare conventional, jumbo and renovation financing, subject to qualification, for your purchase and planned improvements. For a historically designated home near the Biltmore or elsewhere in Coral Gables, confirm proposed work with the city’s preservation staff before budgeting.
From South Beach to North Beach, financing starts with your plans for the property. For rental investments, confirm the intended use is permitted by the city and association before relying on rental income.
Buying in Coconut Grove before selling your current home calls for early planning. We review available equity, purchase costs, the bridge financing repayment plan and any cash you want to retain for improvements.
For a condo near Country Club Drive or elsewhere in Aventura, bring the building name and available association information. We review planned occupancy and the project documents the proposed lender needs before narrowing the financing options.
Where is Bennett Capital Partners located, and which areas do you serve?
Our office is at 1101 Brickell Ave Ste 800, Miami, FL 33131. We serve borrowers purchasing or refinancing property throughout Florida, including Brickell, Coral Gables, Miami Beach, Doral, Aventura, Coconut Grove, Edgewater and Pinecrest. Bennett Capital Partners Mortgage Brokers has operated since 2017. Call 305-507-9957 to discuss your property, financing needs and next steps.
Should I use a mortgage broker or go directly to a bank?
Compare both when you are shopping. A bank generally offers its own mortgage products, while a broker can help you consider loans from multiple lenders. The useful comparison is the actual offer: rate, lender fees, credits, monthly payment and cash to close. Bennett Capital Partners explains available programs and coordinates your application; the selected lender determines final approval and loan terms.
Can you help finance a Miami condo that is non-warrantable?
We can review available financing for non-warrantable condominiums. The reason a project does not meet a particular lender's standards matters, so start with the building name and available association documents. Depending on the project and loan, the review may include finances, insurance and property condition. An alternative program does not guarantee approval, and both the borrower and the property must meet the selected lender's requirements.
Can I qualify if I am self-employed?
Self-employed borrowers can qualify through conventional financing or, when appropriate, an alternative documentation program such as a bank statement loan. We first review how your business earns income and which records are available. Tax returns, business financials and bank statements serve different purposes, so we identify the applicable requirements before you gather documents. Available programs and qualifying income depend on the lender's review.
How does a DSCR loan work for a Florida rental property?
A DSCR loan evaluates the rental property's income in relation to its housing payment rather than using personal employment income as the primary qualifying basis. It is intended for eligible investment properties, not a home you plan to occupy. Lenders also review factors such as credit, down payment or equity, reserves and property eligibility. Rental calculations and documentation vary by program.
What should I have ready for an initial mortgage conversation?
Start with your goal, estimated price or property value, intended occupancy, available down payment or equity, and target timing. Tell us how you earn income and whether you already have a property under contract. For a condominium or rental, include the building name or property address. We can then discuss potential options and the documents needed for a formal review.
Florida financing guides from experienced brokers.
Practical explanations of loan programs, property eligibility, underwriting and market changes.
