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FHA Mortgages

At Bennett Capital Partners, we are your trusted mortgage brokers for Federal Housing Administration (FHA) Mortgages in Miami and across the state of Florida. As fully licensed commercial and residential mortgage brokerage specialists, we have a deep understanding of the local market and the needs of our clients in Miami, as well as other major metropolitan areas and counties across Florida.

Whether you are a first-time homebuyer or a seasoned real estate investor, we work closely with each client to provide the best financing options for their needs. Our range of mortgage options includes FHA Mortgages, which have become a popular choice for homebuyers looking for more flexible qualifying guidelines and lower down payments. As experts in FHA Mortgage requirements, we can help you navigate the complex process of obtaining an FHA Mortgage with ease.

We offer competitive rates for FHA Mortgages in Miami and throughout Florida, with our FHA Loan Rates being among the best in the industry. We also provide valuable insights on FHA Loan Limits, FHA Loan Qualifications, FHA Loan Guidelines, FHA Loan Closing Costs, and FHA Loan Down Payments, among other factors that you need to consider when applying for an FHA Mortgage in Florida.

At Bennett Capital Partners, we take pride in our ability to provide innovative and flexible financing solutions for a wide range of credit scenarios. Our quick turnaround times and exceptional customer service have helped us become a trusted name in the mortgage brokerage industry in Miami and across Florida.

Contact us today to learn more about how we can help you obtain an FHA Mortgage in Miami or anywhere else in Florida. Our team of experienced professionals is ready to provide you with exceptional service and personalized attention to meet your needs and help you achieve your real estate goals in Florida.

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Our Expertise in FHA Mortgages

 

At Bennett Capital Partners, we specialize in providing our clients with the best options when it comes to FHA Mortgages. Our team of experts has years of experience in the mortgage industry, and we have developed a reputation for being the go-to mortgage brokerage company in Miami for FHA Mortgages. Here are some of the reasons why we are the experts in FHA Mortgages:

 

Extensive Network of Lenders

 

As brokers, we work with hundreds of lenders and banks to provide our clients with the widest range of options when it comes to FHA Mortgages. This allows us to find the best interest rates and terms to fit your unique financial situation.

 

Personalized Service

 

At Bennett Capital Partners, we believe in providing our clients with personalized service that meets their specific needs. Our team of experts will work with you one-on-one to understand your financial situation and help you find the best FHA Mortgage program for you.

 

Fast Closing Times

 

We understand that buying a home is a time-sensitive process, which is why we strive to close your FHA Mortgage as quickly as possible. Our streamlined application process and efficient team of experts ensure that you can move into your new home in a timely manner.

 

Competitive Rates

 

Our extensive network of lenders and banks allows us to find the most competitive interest rates for your FHA Mortgage. We work hard to ensure that you get the best deal possible when it comes to your mortgage.

 

Industry Knowledge

 

Our team of experts has extensive knowledge of the mortgage industry and can guide you through the complex process of obtaining an FHA Mortgage. We stay up-to-date on the latest industry trends and regulations to ensure that our clients receive the best possible service.

Contact us today to learn more about how our expertise in FHA Mortgages can help you achieve your real estate goals in Miami or anywhere else in Florida.

FHA Mortgage Programs

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FHA Mortgage Insights

How to Qualify for an FHA Loan in Miami: The Complete Guide

Looking to purchase a home in Miami and qualify for an FHA loan? Our comprehensive guide covers everything you need to know about qualifying for an FHA loan in Miami. From the FHA loan limits to the FHA mortgage insurance requirements, our experts at Bennett Capital Partners can help you navigate the process and find the right FHA loan for your unique situation. Check out our blog post on How to Qualify for an FHA Loan in Miami: The Complete Guide to get started. And if you have any questions or need further assistance, don't hesitate to reach out to one of our experienced brokers at Bennett Capital Partners. We are here to help you achieve your dream of homeownership.

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FHA Mortgages FAQ

 

Welcome to our FAQ page on FHA Mortgages. Here are some of the most frequently asked questions about conventional mortgages:

 

What is an FHA Mortgage?

 

A Conventional Mortgage is a type of home loan that is not insured or guaranteed by the federal government. This type of mortgage is typically obtained through a private lender such as a bank or mortgage company.

What are the Eligibility Requirements for an FHA Mortgage?

 

To be eligible for an FHA Mortgage, you must meet the following requirements:

  • A credit score of at least 500 (although a higher score may be required by some lenders) and employment history

  • A debt-to-income ratio of 43% or lower

  • A down payment of at least 3.5%

  • Proof of income and employment

  • A stable income and employment history

 

What are the Advantages of an FHA Mortgage?

 

Some of the advantages of an FHA Mortgage include:

  • Lower down payment requirements compared to conventional mortgages

  • More flexible credit requirements

  • Potentially lower interest rates than conventional mortgages

  • The ability to finance some closing costs

 

How do I Qualify for a FHA Mortgage?

 

To qualify for an FHA Mortgage, you will need to:

  • Meet the eligibility requirements mentioned above​

  • Apply with Bennett Capital Partners, fill out our online application here

  • Provide all necessary documentation, including proof of income and employment

  • Complete the application process and wait for approval

Ready to apply for a FHA Mortgage? Click APPLY NOW or fill out our Quick Quote form for a quick pre-approval. You can also give us a call at 1-800-457-9057 to speak with one of our experts.

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Understanding FHA 203k Loans: Your Ultimate Guide to Financing Home Improvements

If you're planning a home improvement project, you may be wondering how to finance it. Look no further than Bennett Capital Partners' comprehensive guide to FHA 203k Loans. Our experts will take you through everything you need to know about this financing option, including the types of projects it covers and the application process. With our help, you can secure the right mortgage solution for your needs and get started on making your home improvement dreams a reality. Check out our latest blog post for more information.

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The Benefits of Working with a Florida Mortgage Broker: A Comprehensive Guide

If you're looking to buy a home in Florida, the mortgage process can be overwhelming, especially if you're a first-time homebuyer. That's where Bennett Capital Partners comes in. As a licensed residential and commercial mortgage brokerage with over 20 years of experience in the industry, we can help you navigate the mortgage process and find the right lender to finance your home.

In this ultimate guide to Florida mortgage brokers, we'll cover everything you need to know about mortgage brokers, including their roles and responsibilities, how they work, and why you should consider working with one when buying a home.

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Table of  Contents FHA Mortgages FAQ

Your Guide to Federal Housing Administration (FHA)
Mortgages: Answers to Common Questions

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Understanding Federal Housing Administration (FHA) Mortgages

 

What is an FHA Mortgage?

 

An FHA mortgage is a type of mortgage that is insured by the Federal Housing Administration (FHA). It is designed to help first-time homebuyers, as well as low- and moderate-income borrowers, to obtain financing for a home purchase. The FHA does not lend money directly to borrowers, but rather, it insures the mortgage loans made by approved lenders, such as banks and mortgage companies.

FHA mortgages offer several advantages to borrowers, including:

  • Lower down payment requirements compared to conventional mortgages

  • More flexible credit score requirements

  • Higher debt-to-income ratios allowed

  • Potentially lower interest rates

  • Assumable loans, which means that the borrower can transfer the mortgage to another buyer, making it easier to sell the home


To qualify for an FHA mortgage, borrowers must meet certain requirements, such as having a steady employment history and a minimum credit score of 500 (although a score of 580 or higher is preferred). The down payment requirement is typically 3.5% of the purchase price of the home.

Overall, an FHA mortgage can be a good option for borrowers who are looking to purchase a home but may not have the savings or credit score required for a conventional mortgage. It is important to work with an experienced mortgage broker, such as Bennett Capital Partners, to determine if an FHA mortgage is the right choice for your specific financial situation.


To learn more about how we can help you benefit from a FHA Mortgage in Florida, contact us today by phone at 1-800-457-9057, or through our website by filling out our quick Quote Form or applying directly.

 

What are the eligibility requirements for an FHA Mortgage?

 

Your debt-to-income ratio (DTI) is a crucial aspect that lenders consider when determining your eligibility for an FHA mortgage. Generally, your DTI should not exceed 43% of your monthly income. It is important to note that the DTI requirements can vary depending on the Automated Underwriting System (AUS) used by the lender. In some cases, the AUS may allow for a higher DTI ratio of up to 56.99%. However, this is only applicable in specific situations, and borrowers should work closely with their lender to determine their eligibility.

To calculate your DTI, add up all your monthly debt payments, including your mortgage, credit card payments, and car loans, and divide that number by your gross monthly income. This will give you a percentage that represents your DTI. Keep in mind that a lower DTI can increase your chances of qualifying for an FHA mortgage and help you obtain better interest rates and terms.

At Bennett Capital Partners, we work with a wide range of lenders and banks to offer our clients flexible Conventional loan options that meet their unique financial needs. Our team of experts can help guide you through the loan application process and ensure that you meet all of the necessary requirements. Contact us today 1-800-457-9057 to learn more about how we can help you secure a Conventional mortgage in Miami or other cities in Florida.

 

 

What are the advantages of an FHA Mortgage?

 

An FHA Mortgage offers several advantages for borrowers, including lower down payment requirements, more flexible credit and income requirements, and competitive interest rates. This program is particularly beneficial for first-time homebuyers who may have limited cash reserves or a lower credit score. Additionally, FHA Mortgages do not require a high credit score or a large down payment, making it easier for borrowers to qualify for a loan. Borrowers who have experienced a past bankruptcy or foreclosure may also be able to qualify for an FHA Mortgage sooner than they would be able to qualify for a conventional mortgage. Overall, an FHA Mortgage can be a great option for many borrowers looking to achieve their homeownership goals.

 

To get started, you can apply online through their website, fill out a quick quote form for pre-approval, or call their toll-free number at 1-800-457-9057 to speak with a representative.

 

What are the different types of FHA Mortgages?

 

FHA mortgages offer a variety of loan programs that cater to different financial situations and goals. As the best mortgage broker in Miami, Bennett Capital Partners can help you explore your options and find the right FHA mortgage program for your needs. Here are some of the different types of FHA mortgages that we offer:

  • Fixed-Rate FHA Mortgage: With a Fixed-Rate FHA Mortgage, homeowners can enjoy stability and predictability in their monthly mortgage payments, as the interest rate remains the same throughout the life of the loan, which typically ranges from 10 to 30 years. This program is an excellent option for first-time homebuyers, as it offers low down payment options and more flexible qualifying guidelines compared to conventional mortgages. With a low interest rate for the life of the loan, borrowers can save money over the long term.

  • Adjustable-Rate FHA Mortgage: The Adjustable-Rate FHA Mortgage program offers a lower initial interest rate and monthly payment, with the interest rate adjusting periodically over the life of the loan. This program can be an attractive option for borrowers who want to take advantage of lower interest rates in the short term and plan to move or refinance before the rate adjusts. The program typically has a cap on how much the interest rate can adjust each year, providing some protection against significant payment increases.

  • FHA 203(b) Mortgage: The FHA 203(b) Mortgage is a popular type of FHA Mortgage that offers a fixed interest rate for the life of the loan, providing stability and predictability in monthly payments. This program is designed for borrowers who want to purchase or refinance a home with a low down payment and more flexible qualifying guidelines. With a down payment as low as 3.5%, the FHA 203(b) Mortgage is an attractive option for first-time homebuyers and those with limited cash reserves.

  • FHA 203(k) Rehabilitation Mortgage: The FHA 203(k) Rehabilitation Mortgage provides financing for both the purchase and renovation of a property, making it an ideal option for borrowers who want to buy a fixer-upper and make necessary repairs or renovations but may not have the cash to do so upfront. This program offers flexible qualifying guidelines and low down payment options, making it popular with first-time homebuyers and those with limited cash reserves.

  • FHA 100% Down Payment Assistance: The FHA 100% Down Payment Assistance program is a unique option for first-time homebuyers or those with limited cash reserves. It consists of a first FHA mortgage for up to a certain percentage of the purchase price, combined with a second mortgage for 3.5% Down Payment Assistance (DPA) up to 100% of the purchase price. This program offered by Bennett Capital Partners as part of our range of mortgage solutions helps eligible borrowers purchase a home with no money down.

  • FHA Cash-Out Refinance: With an FHA Cash-Out Refinance, homeowners can access their home equity and receive cash back on their mortgage. This program is popular with borrowers who want to consolidate debt, make home improvements, or have cash on hand for other expenses. With this program, borrowers can refinance their current mortgage and receive a cash payment based on the difference between their current mortgage balance and the new loan amount.

  • FHA Mobile Home Mortgage: The FHA Mobile Home Mortgage program offers financing for manufactured homes that meet FHA standards. With low down payments, flexible qualifying guidelines, and competitive interest rates, this program provides several benefits for borrowers. Bennett Capital Partners specializes in FHA Mobile Home Mortgages and can help you navigate the complex process of obtaining this type of loan.

  • FHA One-Time Close Construction Mortgage: The FHA One-Time Close Construction Mortgage program is a unique option for borrowers who want to finance the construction of a new home and the permanent mortgage in one loan. With this program, borrowers only have to go through one application process and can avoid the costs and hassle of obtaining separate construction and permanent financing. The FHA One-Time Close Construction Mortgage offers a low down payment, competitive interest rates, and flexible credit requirements.

At Bennett Capital Partners, we offer competitive rates and exceptional customer service to ensure that you get the best possible mortgage experience. Contact us today to learn more about how we can help you find the right FHA mortgage program with the lowest mortgage rates in Miami.

How do I qualify for an FHA Mortgage?

 

To qualify for an FHA Mortgage, you must meet certain eligibility requirements set by the Federal Housing Administration. Here are some of the key factors that are considered:

  • Credit Score: FHA loans typically require a minimum credit score of 580 to be eligible for a 3.5% down payment. However, if your credit score is between 500 and 579, you may still be able to qualify for an FHA loan with a 10% down payment. Some lenders may have higher credit score requirements, so it's important to shop around for the best option.

  • Debt-to-Income Ratio: Your debt-to-income ratio (DTI) is an important factor in determining your eligibility for an FHA loan. Typically, your DTI should be no higher than 43% of your monthly income. However, in some cases, the automated underwriting system may allow for a DTI up to 56.99%.

  • Employment and Income: To qualify for an FHA loan, you must have a steady employment history and verifiable income. Lenders will typically look at your income over the past two years to determine if you have a stable employment history.

  • Down Payment: FHA loans require a minimum down payment of 3.5% of the purchase price. This can come from your own funds, a gift from a family member or a qualified non-profit organization, or through a down payment assistance program.

  • Property Requirements: The property you are purchasing must meet certain requirements set by the FHA, such as being your primary residence, meeting certain safety and soundness requirements, and being in compliance with local building codes.

Working with a reputable mortgage broker like Bennett Capital Partners can help you navigate the FHA loan process and find the best options to fit your unique financial situation. Our team of experts can help you determine if you are eligible for an FHA loan and guide you through the application process.

What Can I use an FHA Mortgage to buy a Florida Condominium?

 

n order to qualify for an FHA mortgage for a Florida condominium, the condominium project must first be approved by the FHA. This process, known as FHA single unit approval, allows individual condominium units to be eligible for FHA financing even if the entire condominium project is not FHA approved. However, the process can be time-consuming and may require additional documentation from the borrower.

To check if a Florida condominium project is already approved by the FHA, you can use the Condo Project Lookup tool provided by the Department of Housing and Urban Development (HUD). If the project is not currently approved, you may want to work with a lender who can help guide you through the FHA approval process.

Eligibility Requirements

In addition to the FHA approval of the condominium project, borrowers must also meet certain eligibility requirements to qualify for an FHA mortgage for a Florida condominium. These requirements include:

  • A credit score of at least 580

  • A debt-to-income ratio of 43% or less

  • A down payment of at least 3.5% (may be higher depending on credit score and other factors)

  • Proof of income and employment

  • A stable income and employment history

It's important to note that these are general requirements and may vary depending on the specific lender and loan program. To get a better understanding of your eligibility for an FHA mortgage for a Florida condominium, it's recommended that you speak with a mortgage lender.

For more information on FHA mortgages for condominiums, you can visit the FHA Condominiums Webpage provided by HUD.

Can I use an FHA Mortgage to buy a multi-unit property?

 

Yes, you can use an FHA Mortgage to buy a multi-unit property, such as a duplex, triplex, or fourplex, as long as you plan to live in one of the units as your primary residence. This program is called the FHA Multi-Unit Mortgage, and it offers several benefits for homebuyers, including lower down payment requirements and more flexible credit guidelines compared to conventional loans. With an FHA Multi-Unit Mortgage, you can finance the purchase of up to four units with as little as a 3.5% down payment. Additionally, the rental income from the other units can be used to qualify for the loan, which can help borrowers with limited income or savings to qualify for a mortgage. To determine if a multi-unit property is eligible for an FHA Mortgage, it is important to check the property's eligibility using the FHA Condominiums Webpage and the Condo Project Lookup tool. At Bennett Capital Partners, our team of experts can help you navigate the process of obtaining an FHA Multi-Unit Mortgage and find the best options to suit your unique needs.

Can I use an FHA Mortgage to refinance my existing mortgage?

 

If you are a homeowner in Miami with an existing mortgage, you may be wondering if you can refinance using an FHA mortgage. The answer is yes, you can refinance your current mortgage with an FHA mortgage refinancing program. FHA mortgage refinancing is a great option for Miami homeowners who want to take advantage of lower interest rates, shorten their loan term, or switch from an adjustable-rate to a fixed-rate mortgage.

FHA mortgage refinancing offers many benefits for Miami homeowners, including:

  • Lower interest rates compared to conventional mortgages

  • Lower credit score requirements

  • More lenient debt-to-income ratios

  • Reduced closing costs


In addition to these benefits, FHA mortgage refinancing also allows Miami homeowners to:

  •  Consolidate high-interest debt

  • Access their home equity for home improvements or other expenses

  • Change the terms of their mortgage, such as switching from an adjustable-rate to a fixed-rate mortgage

To qualify for an FHA mortgage refinancing program in Miami, you must meet the following requirements:

  • Have a current FHA mortgage or a conventional mortgage that is not currently insured by the FHA

  • Have a credit score of at least 500

  • Have a debt-to-income ratio of 43% or less

  • Have a stable income and employment history

  • Meet any additional requirements set by the FHA lender


If you meet these requirements, you can apply for an FHA mortgage refinancing program through Bennett Capital Partners, your trusted mortgage broker in Miami. Our team of experts can help you navigate the FHA mortgage refinancing process, including finding the best program for your unique needs and guiding you through the application and approval process. Contact us today to learn more about FHA mortgage refinancing and how we can help you save money on your mortgage.

 

 

What is the FHA 203(k) rehabilitation mortgage?

The FHA 203(k) rehabilitation mortgage program is an ideal option for Miami borrowers looking to purchase a property that requires significant repairs or renovations. This program allows borrowers to finance both the purchase price of the property and the cost of necessary repairs or improvements in one loan. It's a popular choice for first-time homebuyers and those with limited cash reserves due to its low down payment options and flexible qualifying guidelines.

Miami borrowers can choose from two types of FHA 203(k) rehabilitation mortgages - the Standard 203(k) and the Limited 203(k). The Standard 203(k) is intended for extensive repairs and renovations that require a licensed contractor and may involve structural changes to the property. The Limited 203(k), on the other hand, is designed for less extensive repairs and renovations that do not require a licensed contractor and have a maximum repair cost of $35,000.

With the FHA 203(k) rehabilitation mortgage program, Miami borrowers can finance a variety of repairs and improvements, including energy-efficient upgrades, structural repairs, and cosmetic updates. This program provides a unique opportunity for Miami homebuyers to purchase a property that may otherwise be out of reach and turn it into their dream home.

If you're interested in the FHA 203(k) rehabilitation mortgage program, it's important to work with an experienced mortgage broker who can guide you through the process. At Bennett Capital Partners, we have a team of experts who specialize in FHA mortgages, including the 203(k) program. We can help you navigate the complex requirements of this program and ensure that you get the financing you need to purchase and renovate your dream home.

Our team can provide personalized guidance on the best type of FHA 203(k) rehabilitation mortgage for your unique needs and budget, whether it's the Standard 203(k) or the Limited 203(k). We can also assist you with the required documentation and connect you with reputable contractors to ensure that your renovations are completed to your satisfaction.

Contact us today to learn more about the FHA 203(k) rehabilitation mortgage program and how we can help you achieve your homeownership and renovation goals. Let us be your trusted partner in the mortgage process.

What is the FHA One-Time Close Construction Mortgage?

 

The FHA One-Time Close Construction Mortgage program is designed for borrowers who want to finance the construction of a new home and the permanent mortgage in one loan. This program simplifies the process by allowing borrowers to only go through one application process and avoid the costs and hassle of obtaining separate construction and permanent financing. With an FHA One-Time Close Construction Mortgage, borrowers can lock in a fixed interest rate and have a single mortgage payment, providing stability and predictability in their monthly payments.

This program offers several benefits, including a low down payment, competitive interest rates, and flexible credit requirements. Borrowers can finance up to 96.5% of the total cost of the home, including the land and construction expenses. Additionally, the program offers flexibility in terms of loan amounts, down payment options, and repayment terms. However, it's important to note that not all lenders offer FHA One-Time Close Construction Mortgages, and it's essential to work with an experienced mortgage broker like Bennett Capital Partners who can guide you through the process and help you find the best options to suit your unique needs.

For more information about Bennett Capital Partners, visit our About Us page. Our founder, Philip Bennett, has over 25 years of experience in the mortgage industry and is committed to providing personalized service and expert guidance to every client. Learn more about him on our Founders page. To explore our range of mortgage loan programs and find the right option for your needs, visit our Loan Programs page. Our team of experts is here to help you every step of the way.

What is the minimum credit score required for an FHA Mortgage?

 

The minimum credit score required for an FHA Mortgage varies depending on the lender, but the FHA itself has a minimum credit score requirement of 500. However, many lenders will require a higher credit score, typically around 620 or higher, to qualify for an FHA Mortgage. Having a higher credit score can also help you qualify for a lower interest rate, which can save you thousands of dollars over the life of your loan.

It's important to note that even if you have a lower credit score, you may still be able to qualify for an FHA Mortgage. The FHA has more flexible qualifying guidelines compared to conventional mortgages, which can be beneficial for borrowers with lower credit scores or limited cash reserves. Additionally, lenders may be willing to work with borrowers who have a lower credit score by requiring a higher down payment or other compensating factors.

At Bennett Capital Partners, we specialize in helping borrowers with a wide range of credit scores obtain an FHA Mortgage. Our team of experts can help you navigate the complex process of obtaining this type of loan and find the best options to suit your unique needs. Contact us today to learn more about how we can help you achieve your homeownership goals.

 

Can I use gift funds for my FHA Mortgage down payment?

 

Yes, you can use gift funds for your FHA Mortgage down payment. The FHA allows borrowers to use gift funds provided by a family member, employer, charitable organization, or government agency to cover some or all of the down payment and closing costs. This can be a helpful option for borrowers who may not have the funds available for a traditional down payment.

It's important to note that there are certain requirements for using gift funds. The gift must be a true gift and not a loan that will need to be repaid. The donor will need to provide a gift letter stating that the funds are a gift and not a loan, as well as documentation showing where the funds came from and proof of the transfer of funds to the borrower's account.

At Bennett Capital Partners, we can help guide you through the process of using gift funds for your FHA Mortgage down payment. Our team of experts can answer any questions you may have and help you navigate the requirements to ensure a smooth transaction. Contact us today to learn more about how we can help you achieve your homeownership goals.

 

What makes Bennett Capital Partners the best FHA mortgage broker in Miami?

 

Bennett Capital Partners is the top choice for anyone looking to obtain an FHA mortgage in Miami, thanks to our extensive knowledge and experience in the local market. Our team of experts has been serving the Miami community for many years and has helped countless clients achieve their dream of homeownership through our FHA mortgage programs. Here are some of the reasons why we are the best FHA mortgage broker in Miami:

  • Extensive knowledge of local market: As a local mortgage brokerage company, we have a deep understanding of the unique needs and challenges that come with obtaining an FHA mortgage in Miami. We keep up-to-date with the latest trends and regulations in the local real estate market to provide our clients with the best possible advice and service.

  • Wide network of lenders: We have established relationships with a wide range of lenders in Miami who offer competitive rates and terms for FHA mortgages. This allows us to find the best possible mortgage program to fit your unique financial situation.

  • Personalized service: We believe in providing our clients with personalized service that meets their specific needs. Our team of experts works closely with you to understand your financial situation and help you find the best FHA mortgage program for your needs.

  • Fast closing times: We understand that time is of the essence when it comes to buying a home, which is why we strive to close your FHA mortgage as quickly as possible. Our streamlined application process and efficient team of experts ensure that you can move into your new home in a timely manner.

  • Exceptional customer support: We pride ourselves on providing exceptional customer support throughout the entire mortgage process, from pre-approval to closing. Our team of experts is always available to answer any questions you may have and guide you through every step of the process.


In summary, Conventional loans may be a good option for borrowers with higher credit scores and larger down payments who are looking to purchase more expensive homes. FHA loans may be a better option for borrowers with lower credit scores and smaller down payments who are looking to purchase more affordable homes. Both loan types have their pros and cons, and the best option will depend on the borrower's unique financial situation and goals. It is always recommended to work with an experienced lender like Bennett Capital Partners to help determine the best loan type for your needs. Please call us 1-800-457-9057 or reach us by our contact form HERE

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What Our Clients Say

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Alex S. 

Philip was highly recommended to me and he did not disappoint. He was incredibly helpful and honest throughout the entire process, getting us the best program that matched our needs. We really didn't think we had a chance and luckily Philip …
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