We talk
A quick call or message to understand your goals, timeline, and finances. I tell you exactly which programs fit — and which do not.
Loan Officer at
Bold Mortgage
Miami · South Florida Mortgage Lender
Home loans made simple, fast, and built around you.
I'm Reinier Cancio, a Miami-based mortgage lender helping South Florida buyers and homeowners secure competitive rates on FHA, VA, jumbo, conventional, and refinance loans — with straight answers and white-glove service from application to closing.
- NMLS #1615071
- Licensed in Florida
- Bilingual · English / Español
How It Works
From first call to closing day — in three steps.
No jargon, no runaround. Here is exactly what happens when you reach out.
I find the right loan
I shop your scenario across my lender network, lock the best rate, and handle the paperwork. You get pre-approved in 24–48 hours.
You close with confidence
Clear-to-close, keys in hand. I walk you through every document at the table — no surprises, no last-minute chaos.
Free Resource
The Miami First-Time Buyer Guide
A plain-English walkthrough of everything you need to know before buying your first home in South Florida — from credit prep to closing costs, down-payment assistance programs, and what to expect at every step.
- Step-by-step timeline from pre-approval to keys
- Down-payment assistance programs available in Miami-Dade
- Common mistakes that delay closings (and how to avoid them)
- Checklist of documents you will need
What I Offer
Mortgage solutions for every South Florida buyer
Whether you're buying your first condo in Brickell, upgrading to a waterfront home in Coral Gables, or refinancing in Doral — I tailor the loan to your life, not the other way around.
Conventional Home Loans
Flexible fixed- and adjustable-rate mortgages with down payments as low as 5% for qualified buyers.
Learn more →FHA Loans
Lower credit and down-payment thresholds (as little as 3.5% down) — ideal for first-time buyers in Miami-Dade.
Learn more →VA Loans
0% down, no PMI, and competitive rates for active-duty military, veterans, and eligible spouses.
Learn more →Jumbo Loans
Financing beyond conforming limits for luxury properties across Miami Beach, Key Biscayne, and Fisher Island.
Learn more →Refinancing
Lower your rate, shorten your term, or tap home equity with cash-out refinancing options.
Learn more →First-Time Buyer Programs
Down-payment assistance, closing-cost grants, and step-by-step guidance for Florida's first-time buyers.
Learn more → New · Learn before you applyHome Equity Line of Credit (HELOC)
Borrow against your home's equity while keeping your first mortgage. See how draws, repayment and fees work, then apply online. Your home secures the line.
Explore HELOC Options →
USDA Loans
0% down financing for eligible rural and suburban properties in designated Florida areas.
Learn more →Non-QM Loans
Bank-statement, asset-based, and investor (DSCR) programs for self-employed buyers and unique situations.
Learn more →Private Money Financing
Fast-close, asset-based financing for investors, fix-and-flip projects, and bridge situations between deals. Flexible terms, minimal income docs, and a process built for speed.
Learn more →Commercial & Portfolio Financing
Refinance several investment properties under one loan, raise capital against commercial property your business owns, or fund the finish of a project underway. Arranged through private capital partners.
Learn more →Reverse Mortgage (HECM)
For homeowners 62+ — convert home equity into tax-free cash, a monthly income stream, or a line of credit without selling or making monthly mortgage payments.
Learn more →Foreclosure Bridge Loans — Second Chances
Behind on payments? If there is enough equity, bridge financing may pay off your mortgage and provide additional cash for other debts or a financial cushion. Credit is not part of qualification. The property, title, loan structure, and repayment plan need lender review.
See how the second-chance plan works →Compare programs at a glance
| Program | Min. down payment | Best for |
|---|---|---|
| Conventional | From 5% | Buyers with solid credit who want the lowest long-term cost |
| FHA | From 3.5% | First-time buyers and rebuilding credit |
| VA | 0% | Veterans, active-duty military, and eligible spouses |
| USDA | 0% | Eligible rural and suburban Florida areas |
| Jumbo | Varies | Homes above conforming loan limits |
| Bank Statement | From 10% | Self-employed borrowers qualifying without tax returns |
| DSCR (Investor) | Typically 20–25% | Rental properties qualifying on the property's cash flow |
| Miami Condo Financing | From 5% | Warrantable and non-warrantable Miami condo buildings |
| Other Non-QM | Varies | Asset-based, 1099, and other unique situations |
| Reverse (HECM) | No monthly payments | Homeowners 62+ converting equity to income |
| Foreclosure Bridge | Equity-based | Homeowners behind on payments — second chances |
Every scenario is different — these are typical minimums, not commitments. Call (305) 492-2404 for numbers based on your situation.
About
A Miami lender who treats your loan like it's his own.
Buying a home in South Florida is one of the biggest financial moves of your life — and it deserves more than a 1-800 number. I built my practice on the belief that every borrower, whether you're a first-time buyer in Hialeah or an investor expanding into Miami Beach, deserves clarity, speed, and real advice.
With deep knowledge of Florida's market and access to a wide lender network, I find the loan program that actually fits — and I walk you through every document, every rate lock, and every closing condition in plain language (in English or Spanish).
- Local expertise. Miami-Dade, Broward, and Palm Beach — I know these markets.
- Fast answers. Pre-approvals in 24–48 hours.
- Honest guidance. If a loan isn't right for you, I'll tell you.
Clients Who Closed
Real families. Real keys.
A few words from South Florida homeowners who trusted me with their closing.
"As a real estate broker, I truly value working with lenders who are responsive, knowledgeable, and solution-driven — and Reinier exceeded every expectation. Whenever an obstacle came up, he handled it calmly, professionally, and always had a solution ready. He went above and beyond to get us to the closing table."
"Reinier is extremely knowledgeable, responsive, and professional. He took the time to explain each step of the process clearly and stayed proactive throughout, which made everything feel smooth and stress-free. His attention to detail and communication truly set him apart."
"As a Realtor, working with Reinier has made a real difference in my business. He doesn't just approve loans — he structures deals well, responds fast, and always finds solutions. Thanks to him I close more deals and win more listings. Clear communication, immediate follow-up, and real results. I recommend him without hesitation."
"Excellent service from Reinier and his team. It was a smooth process from start to finish. Reinier definitely looked out for our best interest and gave us the best possible deal. Very trustworthy and an excellent communicator."
"Very responsive and communicative. Focuses on assisting clients any way he can and will work around the clock for you."
"Our Loan Officer went above and beyond our expectations. His availability was top tier and we would definitely recommend him in the future to my colleagues, friends & family members."
★★★★★ Rated 5.0 on Google
See what my clients are saying.
Verified Google reviews from real South Florida homebuyers and refinance clients.
FAQ
Answers to what you're probably wondering
How much do I need for a down payment on a home in Miami?
FHA loans allow as little as 3.5% down, VA loans can offer 0% down for qualified veterans, conventional loans start at 5% down, and jumbo loans typically require 10–20%. I'll compare every option side-by-side so you pick what fits your budget and long-term plan.
How long does it take to get pre-approved?
Most borrowers are pre-approved within 24–48 hours once documentation is in. Pre-approval strengthens your offer in Miami's competitive market.
Do you help first-time homebuyers in Florida?
Absolutely. From credit prep to down-payment assistance programs in Miami-Dade and Broward County, I guide you through every step.
Can I refinance my current mortgage to a lower rate?
If you've built equity, your credit improved, or rates have dropped, refinancing may save you money. I'll run a free, no-obligation comparison.
What areas of South Florida do you serve?
All of Miami-Dade, Broward, and Palm Beach counties — Miami, Coral Gables, Doral, Miami Beach, Hialeah, Fort Lauderdale, Pembroke Pines, and surrounding cities.
Across South Florida
Mortgage lending for every neighborhood
From Brickell condos to Coral Gables estates, from Hialeah first-time buyers to Aventura towers — same playbook every time: fast pre-approval, clear options, and bilingual service.
- MiamiBrickell · Coconut Grove · Downtown
- Coral GablesLuxury & jumbo financing
- DoralNew construction & bilingual
- HialeahFirst-time buyers & condos
- KendallFamily homes & schools
- Miami BeachLuxury condos & foreign nationals
- AventuraLuxury towers & second homes
- HomesteadUSDA, FHA & new construction
- Miami LakesBusiness owners & move-up buyers
- Fort LauderdaleBroward County & condos
- NaplesSouthwest FL & second homes
Get Started
Ready when you are.
Start your secure mortgage application directly through Bold Mortgage — or reach me any of the ways below.
- Phone(305) 492-2404
- Email[email protected]
- Office4960 SW 72nd Ave Suite 400
Miami, FL 33155 - HoursMon–Fri · 9 AM – 5:30 PM ET