About Us


Who We Are

MIAMI CAPITAL Lending provides customized residential mortgages for purchasing or refinancing homes. We offer personalized mortgage services such as both FNMA/FHLMC specialty loans, 90% LTV with no mortgage insurance, 95% LTV down to a 580-credit score. We also offer 15-30 year loans, ARM mortgages, fixed mortgages, VA loans, equity lines, FHA loans, conventional loans, jumbo loans, reverse mortgages and USDA  loans.

The owners of MCL have been making home buying dreams come true for nearly 30 years. Like many of the people that we help find financial security through their homes, we too come from humble beginnings. In 1992, we  began in a small suburb of Miami in an even smaller office suite. Since then, also like many of those we help find financial security, our standing has improved dramatically.

We are grateful to every one of our borrowers who have allowed us to grow our lending potential over the last two decades. Through providing financial support and services to satisfied home buyers, MCL  has funded over $4 million in home loans.

recent case studies

Second Chance Buyer

We recently assisted a client that was turned down by his bank because she had had a foreclosed property in the past. This particular client had lost their employment due to health issues and even though the borrower healed and had taken on two jobs to make ends meet they were not able to catch up with the payments due and unfortunately lost their home. Upon reviewing their case we found a program that allowed them to purchase a new home. We are very happy to know that they were able to achieve their goals. We are blessed to have served this beautiful family overcome their obstacle.

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who we are

Company Profile

For more than 30 years, we’ve been passionate about achieving better results for our clients.

Frequently Asked Questions


For more than 30 years, we’ve been passionate about achieving better results for our clients.

We take pride in our ability to learn about virtually any client quickly in our first meeting. Some of the clients we have served include first time home buyers, investors, second chance home buyers, older clients wanting to receive a pay out on a monthly basis from their home instead of paying a mortgage and foreigners… view all

We take pride in our ability to learn the fundamentals of virtually any client quickly and identified their needs. Having this knowledge allow us to be able to provide the best solution(s) for our client. We have assisted our clients  in buyers and sellers markets and in upward and downward momentum of the housing markets… view all

We can guaranteed that you will have the best services in town and that we will try to qualify you for at least one mortgage program. Kindly make an appointment in order to review your particular case and go over the available programs.

No we do not offer any programs directly to help you raise money for your purchase. We know that there are some program offered that may help you if you qualify based on their guidelines. Please register in order to get access to the member page with likes to the available programs. Also in out client area you have calculators to help you save money for your purchase.

Reverse Mortgages
important milestones

Lending Timeline

With a long list of satisfied clients which over the years have become friends and have become the best source of referrals. We are very grateful to will continue to serve this and many more communities in the years to come. We are very thankful for those who have put their trust in us and continue to help us grow organically through word of mouth. 

Get Your Cash for New Home Purchase

Once all previous steps are done, you are ready to get funds and move into your new home soon!

Get Your Loan Approved

Get all of the paperwork required to complete the purchase, including your loan documents.

Choose Loan Amount

It is recommended to look for homes that cost no more than three to five times their annual household income.

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Speed Up the Loan Process

Stay tuned for the hottest news and the latest updates! With our app you will always have a chance to see new offers and loan rate changes. Use MCL App an stay informed!