Kelvin Andrade— Mortgage Loans
Your Path to Homeownership Starts Here with a Trusted Mortgage Broker in Miami, FL - Home Loans, First-Time Home Buyer Programs, FHA Loans, Cash-Out Refinance, HELOC & Reverse Mortgages
Owning a home isn't just a dream — it's the foundation for your family's future. As your mortgage broker in Miami, FL, and the surrounding areas I help turn that dream into reality with personalized home loans, first-time homebuyer programs, cash-out refinance, and HELOC options tailored to your goals. Whether you're tired of renting and ready to own, looking to lower your monthly payment, or wanting to use your home's equity to remodel, consolidate debt, or invest in your future, I'll guide you every step of the way. From FHA and Conventional loans to No income verification investor programs and Reverse Mortgages, my mission is to simplify the process, remove the stress, and help you picture the moment you unlock your front door, hearing your family's laughter through the home you've worked so hard for — because that's where your story truly begins.
Choose The Right Home Loans
The right loan today builds the foundation for your family's tomorrow. Every client has a story — and your mortgage should be designed around yours. My job as your mortgage broker is to simplify the process, present all your options clearly, and match you with the loan that best fits your goals. With access to wide range of programs and competitive rates, I help you choose the financing that works for you, not the bank.
- FHA Loans — Perfect for first-time buyers looking for low down payments, down payments assistance and easier qualifications.
- Conventional loans — Ideal for buyers with strong credit, large down payment, steady income and looking for flexible financing options.
- Refinance, Cash-Out & HELOCs — Use your home's equity to renovate, consolidate debt, or fund future investment properties, or to lower rate and reduce monthly payment
- Reverse Mortgage —Smart options for homeowners 62+ to access equity, eliminate mortgage payments and give you the freedom to enjoy retirement.
- DSCR Investor Loans — Great for real estate investors who want to grow their portfolio, generate passive income with no income or tax returns needed.
- Bank Statements —Self-Employed borrowers looking to qualify in non traditional income documentation.
- VA Loans — Exclusive programs for U.S. veterans and active-duty members, with no down payment and flexible terms.
- Fix & Flip / Hard Money Loans — Fast, flexible funding for investors looking for bridge loans on short term property projects.
- Jumbo Loans — Designed for high-value luxury properties requiring larger loan amounts.
- Commercial Loans —Business owners, investors, looking to purchase office condos, retail space, warehouse, or multifamily properties.
Hear From Homeowners " Real Stories. Real Homes. Real Results."
FHA loans
FHA loans are a fantastic option for homebuyers in Miami, especially for first-time buyers looking to make their dreams a reality. These loans are backed by the Federal Housing Administration (FHA), which allows lenders to offer more flexible terms than conventional mortgages. With an FHA loan, you can benefit from a low down payment requirement—just 3.5% if your credit score is at least 580. This makes it easier for potential homeowners to enter the housing market, even if they have limited savings.One of the standout features of FHA loans is their lenient credit score guidelines. Even if your score is as low as 500, you may still qualify with a 10% down payment. This opens up opportunities for many buyers who may have faced challenges securing financing through traditional means. Additionally, FHA loans allow for higher debt-to-income ratios, making it possible for you to afford more home without feeling financially stretched. The interest rates on FHA loans are often competitive, and the mortgage insurance premiums are manageable, allowing you to keep your monthly payments in line with your budget. Overall, an FHA loan can simplify the home buying process, providing more options and flexibility. If you're a first-time homebuyer in Miami, our team is ready to assist you in navigating the details of FHA loans, ensuring you get the best support and guidance tailored to your unique needs. Let’s make your homeownership dreams a reality with an FHA loan!
Conventional Loans
A Conventional Loan is one of the most popular and flexible mortgage options available today, ideal for borrowers with solid credit, stable income, and a strong financial foundation. Unlike government-backed loans such as FHA, VA, or USDA, conventional loans are financed through private lenders and follow guidelines set by Fannie Mae and Freddie Mac. This gives homebuyers more options, competitive interest rates, and greater control over their financing terms.
With a conventional loan, borrowers can choose between fixed-rate or adjustable-rate terms, allowing them to align their mortgage strategy with their financial goals. Down payment requirements typically start as low as 3% for first-time buyers, making it accessible while rewarding those with higher credit scores through lower interest rates and reduced mortgage insurance premiums. Borrowers who put down 20% or more can even avoid private mortgage insurance (PMI) altogether—saving thousands over the life of the loan.
Conventional loans are perfect for primary residences, second homes, and investment properties, offering flexibility for a wide range of real estate goals. Whether you're purchasing your first home, upgrading to your dream home, or expanding your investment portfolio, this program provides long-term stability and equity growth opportunities. Refinancing through a conventional loan can also help lower monthly payments, shorten your loan term, or access your home’s equity for renovations or debt consolidation.
First time home buyers programs
Navigating the journey to homeownership can be exciting yet overwhelming, especially for first-time homebuyers. Our specialized First-Time Homebuyer Programs in Miami, Florida, are designed to ease your path toward owning your dream home. We understand that new buyers often face unique challenges, and our team is here to provide tailored solutions to meet your specific needs. Our programs offer a variety of benefits, including low down payment options and flexible credit requirements, making homeownership more accessible than ever. Many first-time buyers may qualify for grants or assistance with closing costs, reducing the financial burden of purchasing a home. We provide a thorough understanding of available financing options, including FHA loans, which are particularly beneficial for those with lower credit scores. As part of our service, we guide you through the application process, ensuring you have all the necessary documents for a smooth mortgage pre-approval. We take the time to explain each step, from finding the right loan to making an offer on your chosen property. With local expertise, we can help you explore neighborhoods and properties that fit within your budget. Our commitment is to empower you with the confidence and knowledge needed to make informed decisions in your home-buying journey. Let us help you turn your dream of homeownership into a reality with our First-Time Homebuyer Programs tailored for Florida residents.
My Passion & Purpose
Since 2010, I've dedicated my career to helping families and investors leverage real estate financing to build long-term wealth. From first-time homebuyers unlocking the door to their first home purchase, to seasoned investors expanding their portfolios, I've made it my mission to turn the dream of "Home Sweet Home" into a reality.
As a trusted mortgage broker and real estate professional in Miami Florida, I believe every client deserves more than a loan— they deserve a strategy. With transparency, education, and personalized guidance, I've helped countless clients secure the right financing solutions to fit their goals, achieve stability, and grow generational wealth through real estate.
Homeownership isn't just a transaction to me — it's a life milestone, and I'm passionate about walking that journey with each client from pre-approval to the closing table. My passion shines through in my work, relationships, connections and creating opportunities for others. A purpose — rooted in service.
Universal Mortgage Team
ABOUT US
At Universal Mortgage, we believe getting a mortgage shouldn’t be stressful—it should be empowering. Whether you’re purchasing your first home, investing in real estate, or refinancing for a better rate, our mission is to simplify the process and deliver results with integrity, clarity, and personalized care. Here’s why clients across Florida continue to trust us:
Expert Guidance
With years of hands-on experience in the mortgage and real estate industry, our team brings the knowledge and insight you need to make confident decisions. We go beyond numbers and rates—providing personalized guidance that helps you understand every step of the process and secure the best financing solution for your goals.
Personalized Service
No two clients are alike. We take the time to understand your financial picture, lifestyle, and long-term plans to craft a loan strategy that fits you perfectly. Whether you’re a first-time homebuyer, investor, or looking to refinance, we tailor every detail to meet your needs.
Wide Range of Lenders
Our strong partnerships with top-rated lenders give you access to competitive rates and flexible loan programs. From traditional mortgages to alternative lending options, we find the right fit to maximize your buying power and long-term value.
Transparent Process
Honesty and integrity are at the core of everything we do. We provide clear communication, straightforward answers, and full transparency—so you always know exactly where you stand. No hidden fees, no surprises—just trust and clarity.
Streamlined Experience
We combine expert knowledge with modern technology to make the mortgage process faster, easier, and stress-free. From application to closing, our efficient systems and dedicated support team ensure a smooth path to your homeownership or investment goals.
FAQ
What is a mortgage broker and how can they help me?
A mortgage broker acts as a middleman between you and lenders. They help you find the best loan options, rates, and terms based on your needs and financial situation.
How does a mortgage broker differ from a bank loan officer?
A bank loan officer works for a specific bank and offers the bank's mortgage products, while a mortgage broker works independently to provide access to a variety of loan products from multiple lenders.
What documents do I need for mortgage pre-approval?
You will typically need proof of income, tax returns, bank statements, and identification. We’ll provide a detailed list to make the process easier.
How long does the mortgage pre-approval process take?
The mortgage pre-approval process can take anywhere from a few hours to a couple of days, depending on how quickly we receive your documents.
What can I expect during the home buying process?
You can expect several steps, including finding a home, making an offer, applying for a mortgage, and conducting inspections. Our team will guide you through each step.
Can I refinance my mortgage if rates drop?
Yes, if rates drop, refinancing may help lower your monthly payments or shorten your loan term. Our experts can help determine if it's the right choice for you.
What are the current mortgage rates in Miami?
Mortgage rates fluctuate daily based on market conditions. We provide the latest rates to ensure you get the best deal possible for your home loan.
Do you offer programs for first-time homebuyers?
Yes, we offer various programs specifically designed for first-time homebuyers, including low down payment options and grants for closing costs. Contact us to learn more!
