Kendall Mortgage Loans
Expert home financing for Kendall's family-friendly communities — conventional, FHA, jumbo, bank statement, and Non-QM programs for West Miami-Dade buyers
Why Choose Kendall for Your Next Home?
Kendall offers excellent schools, suburban amenities, and strong property values in West Miami-Dade
Kendall Real Estate Market
Kendall remains one of Miami-Dade's most in-demand suburban markets:
- Top-rated Miami-Dade public schools
- Excellent shopping (Dadeland Mall, The Falls)
- Multiple healthcare facilities and hospitals
- Family-friendly gated communities
- Strong long-term property appreciation
- Accessible to major employment centers
Loan Programs for Kendall Buyers
We offer the full spectrum of mortgage products for Kendall's diverse buyer market:
- Conventional loans — as low as 3% down
- FHA loans for first-time buyers — 3.5% down
- Jumbo loans for homes $750K and above
- Bank statement loans for business owners
- DSCR investment property loans
- Bilingual service in English & Spanish
Popular Loan Programs in Kendall
Conventional Loans
Kendall's most common financing choice for move-up buyers and families. Competitive rates, flexible terms, and low mortgage insurance once you have 20% equity. First-time buyers may qualify for as little as 3% down.
FHA Loans
First-time buyers and those with moderate credit can access FHA financing with just 3.5% down. Great for buyers purchasing their first Kendall home in communities like Kendale Lakes or The Hammocks.
Jumbo Loans
Kendall's larger single-family homes and luxury communities require jumbo financing. We offer competitive jumbo rates up to $3M+ for primary residences and investment properties.
Bank Statement Loans
Kendall has a thriving self-employed and entrepreneurial community. Our bank statement program lets business owners qualify using bank deposits instead of tax returns — ideal for those with complex income structures.
DSCR Investment Loans
Investors purchasing Kendall rental properties can qualify using the property's rental income through our DSCR programs — no personal income documentation required.
VA Loans
Veterans and active military serving in the Miami area can purchase Kendall homes with no down payment through our VA loan program. No PMI required, and competitive rates for those who have served.
Kendall Mortgage FAQ
What mortgage programs are available in Kendall, FL?
Kendall buyers can access conventional loans (3% down via HomeReady for first-time buyers), FHA (3.5% down, 580+ credit), VA (0% for veterans), jumbo for gated communities above $832,750, DSCR investment loans, bank statement loans for self-employed professionals, and foreign national programs. We serve all of West Miami-Dade including Kendall, The Hammocks, Kendale Lakes, and Kendall West.
What is the average home price in Kendall, FL?
Kendall home prices range from $450,000 to $900,000. Gated communities like The Hammocks and Kendale Lakes often run $600,000-$900,000 for larger single-family homes. More affordable options exist in West Kendall near Tamiami Trail. Properties above $832,750 require jumbo financing. Demand is strong from families, FIU faculty, and healthcare workers at Baptist and Kendall Regional hospitals.
Can self-employed buyers qualify for a Kendall mortgage?
Yes. Kendall has a large self-employed community: contractors, business owners, independent professionals. Bank statement loans use 12-24 months of deposits to calculate income instead of tax returns, which often understate true earning power. Requirements: 620+ credit, 2+ years self-employment, and typically 10-20% down. This is one of our most requested programs in Kendall and West Miami-Dade.
Do you offer bilingual mortgage services for Kendall buyers?
Yes. We offer full bilingual service in English and Spanish. Kendall's Cuban-American, Colombian, and Venezuelan buyer communities work with our team regularly, including first-time buyers, move-up buyers, and investors. We also help with ITIN loans for buyers without Social Security numbers. Call (305) 669-2696, email loan@lifetimecap.com, or visit our Spanish pages. NMLS #2583712.
Ready to Buy Your Kendall Home?
Our team knows Kendall's real estate market inside and out. Get Pre-Qualified Today and make your offer with confidence. English & Spanish. NMLS #2583712.