Miami mortgage broker · Since 2018
Make the offer sellers say yes to.
A real loan approval puts your offer at the top of the pile. We build it with you in three conversations, not thirty emails.
Or call (786) 701-8191 · Monday to Friday, 8am to 6pm
Rate lock
Up to 120 days
Protection while you shop or build.
- Founded in Miami
- 2018
- Licensed loan officers
- 12
- Day maximum rate lock
- 120
- Service in both languages
- EN · ES
01How we work
Three conversations. One clear answer.
Most lenders start with an application. We start with your goals, then come back with options built for them.
01
30-minute call
Goal analysis
We start with you, not a rate sheet. What are you buying or refinancing, what does a comfortable payment look like, and what matters most: cash to close, monthly payment, or long-term cost?
02
2 to 3 hours, behind the scenes
Solution preparation
Your loan officer shops the market and builds side-by-side options on rates, closing costs and program structures, tuned to the goals from our call.
03
30 to 45 minute call
Your options, explained
We walk through what we found in plain language. If one fits, we put your loan into process. If none do, you leave knowing exactly where you stand.
02Why it matters
The highest offer isn’t always the one that gets accepted.
Sellers want a fair price, but above all they want the deal to close. An offer backed by a real approval, not a quick online pre-qual, tells the listing agent your financing is already handled.
While your loan is in process, you get
- 01
Up to 120-day rate lock
Protection if the market moves up while you shop or build.
- 02
Rate monitoring
If the market dips before closing, we see it and tell you.
- 03
A dedicated processor
One person getting your file clear to close.
- 04
Direct access to your loan officer
Structuring questions answered by the person who built your options.
- 05
Appraisal coordination
We schedule and chase it so you don’t have to.
- 06
Secure document portal
Upload documents once, from your phone.
03Loan programs
The right loan is the one that fits your plan.
Buying
First-Time Home Buyer
A guided path to your first Miami home, with low-down-payment options and a real pre-approval.
Conventional Loan
Flexible financing for primary homes, second homes and rentals, with PMI you can remove later.
FHA Loan
Government-insured financing with 3.5% down and flexible credit guidelines for primary homes.
VA Loan
$0 down and no monthly PMI for eligible veterans, service members and surviving spouses.
Refinancing
Rate-and-Term Refinance
Replace your current mortgage to change the rate, the term or the loan type, without taking cash out.
Cash-Out Refinance
Turn home equity into cash for debt consolidation, renovations or reserves with a new first mortgage.
Streamline Refinance
FHA Streamline and VA IRRRL refinances with less paperwork and, typically, no appraisal.
04Quick math
What would my payment be?
05Reviews
What clients say after closing.
5.0
out of 5 on Google · 26 reviews
“My husband and I recently closed on our first home with the help of the amazing team at Reel Mortgage Solutions. From start to finish, the entire process was incredibly smooth. Rene was always available to answer our questions and took the time to explain things along the way, making sure we felt comfortable and informed throughout. As first-time homebuyers, we especially appreciated his patience, guidance, and genuine care in helping us through such an important milestone. Having a team we know and trust by our side made the experience even more special. We’re so grateful for everything they did for us and couldn’t recommend them enough!”
Cristina Lamas · 2 weeks ago · Google “I highly recommend Yoel Gonzalez! He was absolutely amazing throughout the entire mortgage process. His professionalism, dedication, and communication made everything so much easier. Yoel was always available to answer questions, explain every step, and make sure everything stayed on track. He worked hard to get everything done on time and made the entire closing process as smooth as possible. As a Realtor, I truly appreciate working with a lender who is knowledgeable, reliable, and genuinely cares about his clients. Yoel went above and beyond, and I couldn’t be happier with his service. Thank you, Yoel, for all your hard work and dedication! I look forward to working with you again on many more transactions. Highly recommended!”
Yeni Egusquiza · 2 weeks ago · Google “I had a great experience working with this mortgage company! The team was professional, helpful, and responsive throughout the entire process. They made everything smooth and stress free, took the time to answer my questions, and made sure I understood each step along the way. I highly recommend them to anyone looking for a reliable mortgage company!”
MaincharacterJos · a month ago · Google
Thirty minutes. Your goals. Real options.
Start with a goal consultation. No credit pull, no obligation. We come back with the strongest structures on the market for your situation.