Loan Officer at Bold Mortgage

Hialeah · Hialeah Gardens · Miami Lakes

Hialeah's bilingual mortgage lender — home loans in English or Español.

Hialeah is a city of homeowners, and I help families buy, refinance, and invest here every month. FHA, VA, conventional, bank-statement, and first-time buyer programs — explained clearly, in whichever language you're most comfortable with.

Start Your Application Call (305) 492-2404
  • NMLS #1615071
  • Licensed in Florida
  • English / Español

Hialeah Home Loans

Financing built for Hialeah families

From first-time buyers on West 49th Street to self-employed business owners refinancing duplexes, I structure loans around how Hialeah actually earns, buys, and lives.

FHA loans — 3.5% down

Low down payment, flexible credit thresholds, and higher debt-to-income allowances — the workhorse loan for most Hialeah first-time buyers.

Bank-statement loans

For Hialeah's self-employed community — contractors, shop owners, gig workers. Qualify using 12–24 months of deposits instead of tax returns.

Florida Hometown Heroes

Down-payment and closing-cost assistance for eligible Florida workers — teachers, healthcare workers, law enforcement, and more.

Duplex & multi-unit financing

Owner-occupied 2-4 unit properties are common in Hialeah. Use rental income to qualify and let your tenants help cover the mortgage.

Refinancing

Rate-and-term, cash-out, or FHA streamline refinancing — lower your payment, consolidate debt, or tap equity built up over years.

Todo en Español

Servicio completo en español — desde la consulta inicial hasta el cierre. Documentos, llamadas, y explicaciones en el idioma que prefieras.

Hialeah FAQ

Hialeah mortgage questions, answered

¿Habla español? Do you handle mortgages in Spanish?

Sí. Complete service in English and Spanish — from initial consultation and document collection to closing disclosures. Many Hialeah families prefer to handle the entire process in Spanish, and that's no problem.

What loan programs work best for Hialeah first-time buyers?

FHA loans (3.5% down), Florida Hometown Heroes assistance, and conventional 97% LTV programs fit Hialeah's price points. Many buyers qualify for down-payment assistance grants.

Can self-employed Hialeah business owners qualify?

Yes. Bank-statement loans, P&L programs, and asset-based lending are available for self-employed borrowers — common among Hialeah's small business community.

Can I buy a duplex and rent out the other unit?

Owner-occupied 2-4 unit financing is available with as little as 3.5% down (FHA) or 5% down (conventional). Projected rental income can be used to help you qualify.

Clients Who Closed

Real families. Real keys.

A few words from Hialeah families 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."
Yelamy C.★★★★★ Reseña de Google · Realtor
"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."
Stella G.★★★★★ Google Review · Homebuyer
"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."
Luisa V.★★★★★ Google Review · Local Guide

★★★★★ Rated 5.0 on Google

See what my clients are saying.

Verified Google reviews from real South Florida homebuyers and refinance clients.

Read Client Reviews Leave a Google Review

Empezar

Ready to buy or refinance in Hialeah?

Start your secure mortgage application through Bold Mortgage — or reach me directly below.