New construction financing
Lock rates on pre-construction purchases and weigh the true cost of builder-lender incentives against outside financing. I'll run the math before you sign.
Loan Officer at
Bold Mortgage
Doral · Fontainebleau · West Miami-Dade
Doral's mortgage lender for new construction and established neighborhoods.
From Lennar and CC Homes new builds to resales in Doral Isles and Downtown Doral, I help buyers finance the home that fits — with bilingual service and straight answers on builder incentives, jumbo financing, and refinancing.
- NMLS #1615071
- Licensed in Florida
- English / Español
Doral Financing
Loan programs for every Doral buyer
Doral buyers range from first-time families to international investors to executives relocating for business. I structure the right loan for each scenario — in English or Spanish.
Jumbo loans
Doral's luxury inventory — Downtown Doral, Doral Isles, gated estates — often requires jumbo financing. Competitive rates on fixed and ARM products.
Foreign national programs
Non-resident financing for international buyers — common in Doral's Venezuelan, Colombian, and Latin American buyer base. Qualify without U.S. credit history.
Conventional & FHA
3–5% down conventional, 3.5% down FHA — for first-time buyers and move-up families targeting Doral's single-family and townhome inventory.
Refinancing
Tap equity, lower your rate, or shorten your term. Especially relevant for buyers who financed new construction at peak rates and now have better options.
Todo en Español
Servicio completo en español para la comunidad de Doral — documentos, explicaciones, y cierre en el idioma que prefieras.
Doral FAQ
Doral mortgage questions, answered
Can I finance a new construction home in Doral?
Yes. Builder's preferred lender incentives are common, but you're not required to use them. I'll help you compare the incentive against the true cost of outside financing — sometimes the builder's offer is great, sometimes not.
What's the typical down payment for a Doral home?
5–20% depending on loan type. FHA allows 3.5%, conventional 3–5% for primary residence, jumbo 10–20%. Foreign national programs typically require 25–30%.
Do you handle Doral mortgages in Spanish?
Sí. Servicio completo en español — documents, explanations, and closing in whichever language you prefer.
Can a non-U.S. citizen buy in Doral?
Yes, through foreign national loan programs. No U.S. credit history required. Typically 25–30% down with an international credit reference or bank letter.
Doral Neighborhoods
Financing across Doral's distinct communities
Doral isn't one neighborhood — it's a collection of master-planned communities, each with its own price point, lender requirements, and quirks. Here's how I structure financing for the ones I close in most often.
Downtown Doral
Mid-rise condos and townhomes around 87th Avenue and 25th Street, walkable to City Place. Most units are warrantable and finance with conventional or jumbo loans, but a handful of newer towers fall into non-warrantable territory — I check the project status before you write an offer so the loan doesn't get killed at underwriting.
Doral Isles
Gated, water-view single-family homes off 122nd Avenue. Higher price points routinely push deals into jumbo financing (10–20% down). HOA fees and CDD assessments need to be priced into your DTI early — I run those numbers before you make an offer, not after.
Vintage at Doral / Modern Doral
Newer Lennar and CC Homes communities along NW 107th and 117th Avenues. Builder-preferred lender incentives are common ($5K–$15K toward closing) — sometimes the math favors them, sometimes it doesn't. I'll run the comparison before you sign so you know the true all-in cost.
Doral Cay & Doral Estates
Established single-family inventory with mature trees and larger lots. Conventional loans (3–5% down primary, 20% to avoid PMI) are the default, with FHA available up to county loan limits for first-time and move-up buyers.
Trump National & Costa del Sol
Luxury enclaves with golf-course frontage. Almost always jumbo; occasionally super-jumbo or asset-based for high-net-worth buyers without traditional W-2 income. Foreign-national programs apply here too, which matters in Doral's Latin American buyer pool.
Fontainebleau (33172/33174)
West of Doral proper but often grouped with it. Older condo and townhome inventory, FHA-friendly price points, and one of the most active first-time buyer corridors in west Miami-Dade. I run the FHA condo-approval check before we write the offer.
Why Doral closings move differently. Most Doral inventory is condo or HOA-governed, which means the project itself has to qualify for the loan — not just you. New-construction sales need careful incentive math, since builder credits are sometimes priced into the rate. I close in Doral most weeks of the year, in English and Spanish, and I know which projects underwriters flag and which they wave through. That's the difference between a 21-day close and a contract that falls apart at week three.
Clients Who Closed
Real families. Real keys.
A few words from Doral buyers who trusted me with their closing.
"Como Realtor, trabajar con Reinier ha marcado la diferencia en mi negocio. No solo aprueba préstamos — estructura los casos bien, responde rápido y siempre busca soluciones. Gracias a él cierro más deals y gano más listings. Comunicación clara, seguimiento inmediato y resultados reales. Lo recomiendo sin dudar."
"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."
"Very responsive and communicative. Focuses on assisting clients any way he can and will work around the clock for you."
★★★★★ Rated 5.0 on Google
See what my clients are saying.
Verified Google reviews from real South Florida homebuyers and refinance clients.
Across South Florida
Mortgage lending for every neighborhood
Wherever you're buying in South Florida, the playbook is the same — fast pre-approval, clear options, and bilingual service when you need it.
Get Started
Ready to buy or refinance in Doral?
Start your secure mortgage application through Bold Mortgage — or reach me directly 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