A place to call home.
Understand the connection between your budget, down payment, and monthly costs before you make your next offer.
- First-time homebuyers
- Primary residences and condominiums
- Next-home planning
A NEW CHAPTER. A PLACE OF YOUR OWN.
Your next home.
Your next possibility.
Home financing should bring your plans into focus. Explore your options with personal guidance, from the first conversation to the closing table.
PurchaseRefinancePersonal guidance
THE SOUTH FLORIDA PERSPECTIVEA home for the way
you want to live.
you want to live.
Rooted in your goals.
Brickell Mortgage brings a distinct South Florida perspective, with mortgage services customized to your specific mortgage needs.
What type of mortgage are you looking for?
FIND YOUR DIRECTION
A mortgage that fits
the bigger picture.
Buying your first home, making your next move, or reviewing an existing mortgage? Start with the goal. Then explore the financing.
Revisit your possibilities.
Compare your current mortgage with potential alternatives, taking closing costs and your time horizon into account.
- Rate and term comparisons
- Monthly payment planning
- Home equity conversations
Clarity before commitment.
A personal conversation can help you understand documentation, loan structures, and the steps toward prequalification.
Loan options and eligibility depend on your financial profile, property, and applicable lender guidelines.
Explore your optionsEXPLORE YOUR OPTIONS
Your goals.
Your financing options.
Explore the mortgage categories below, then connect with Otto to discuss the options available for your situation.
Conventional / FHA / VA
Explore conventional financing alongside FHA and VA loan options. Talk with Otto about your homebuying or refinance goals and which program may fit your situation.
Discuss Conventional / FHA / VA financingBank Statement
An option to discuss if you are self-employed or have income that needs a different documentation approach. Ask Otto about bank statement programs and the documentation a lender would require.
Discuss Bank Statement financingNo Doc
Looking for alternative documentation options? Ask Otto what is available for your property and financial situation. The “No Doc” label does not mean every borrower or property qualifies without documentation.
Discuss No Doc financingLuxury Property / Jumbo
Explore financing for luxury properties and larger loan amounts. Discuss your purchase price, down payment, and property with Otto to review available financing options.
Discuss Luxury Property / Jumbo financingProgram availability, documentation requirements, and eligibility vary by lender, borrower, and property. All financing is subject to lender approval.
PLAN WITH PERSPECTIVE
Put a number
to your next move.
Adjust the details to see how they affect an estimated monthly payment. The example interest rate is an assumption, not a current rate or offer.
A starting point for your budget.
A conversation for the full picture.
A conversation for the full picture.
Estimated monthly payment$0
Principal & interest Taxes & insurance HOA & mortgage insurance
Illustration only; not a Loan Estimate, approval, or lending commitment. Taxes, insurance, HOA, mortgage insurance, and other costs vary. Enter mortgage insurance if applicable; it is not calculated automatically. Closing costs are excluded.
FROM QUESTIONS TO KEYS
A clear path forward.
Know what comes next, and rest assured we’re here to make mortgage easy.
Tell us your plans.
Share your homebuying or refinancing goals, budget, timing, and what you want financing to accomplish for you.
Explore the fit.
Review your options and the information needed to customize a mortgage to fit your needs.
Move with confidence.
When you proceed, receive guidance through the application, underwriting, and closing steps.
GOOD QUESTIONS. CLEAR ANSWERS.
Before your first conversation.
What should I have ready?
Start with your purchase or refinance goal, estimated budget, and timing. We may later request income documentation, asset statements, identification, and details about your debts. Do not send sensitive documents through this website.
Is prequalification the same as loan approval?
No. Prequalification is an initial assessment and does not guarantee approval. Final approval depends on lender review, verification, underwriting, the property, and applicable conditions.
What costs belong in my monthly budget?
Consider principal and interest, property taxes, homeowners insurance, any required mortgage insurance, and HOA or condominium fees. Maintenance and utilities are additional household expenses.
How do I decide whether refinancing makes sense?
During your initial consultation, we’ll walk you through your options and help you create a mortgage plan that fits your needs and makes sense for you.
LET’S TALK ABOUT YOUR NEXT MOVE
Personal guidance.
A direct connection.
Connect with Otto to discuss your purchase or refinance plans.
OJ
786-464-6329otto@brickellmortgage.comOtto JorgePrincipal & OwnerMaking loans happen since 1997