Mortgage
Run the real number before you fall for the house.
Principal, interest, taxes, insurance, HOA, and PMI — the full monthly cost of ownership in Miami-Dade and Broward, with the amortization schedule behind it.
Loan Details
$190,000 down · $760,000 financed · 80% LTV
Estimated Monthly Payment
$6,544
- Principal & Interest
- $4,679
- Property Taxes
- $1,465
- Home Insurance
- $400
- HOA / Condo Fees
- $0
Total interest over 30 years: $924,602. Estimates only — actual figures depend on credit profile, program, and final underwriting.
Get a Personalized Rate Quote
Send your numbers to Bold Mortgage and the team for a real quote based on your credit profile.
Preferred Lending Partner
Bold Mortgage
David Adam Kurz serves as National Business Development for Bold Mortgage, which means your financing team and your real estate team are already working from the same file.
The practical benefit is speed. Appraisal ordering, condominium document review, and title coordination start before most lenders have finished onboarding the borrower. When a contract deadline moves, one phone call reaches everyone who can act on it.
Rate Context
Rates move daily and vary by credit profile, occupancy, property type, and loan size. Rather than publish a number that ages badly, we quote live at the moment you're ready.
- Conforming 30-yr fixed
- Quoted live
- Jumbo 30-yr fixed
- Quoted live
- VA 30-yr fixed
- Quoted live
- 15-yr fixed
- Quoted live
Loan Programs
Which product fits the purchase
The right program depends on the property type as much as the borrower. Condominium eligibility rules out more loans in South Florida than credit ever does.
Conventional
The standard for well-qualified borrowers. Down payments from 3% to 20%+, with PMI required below 20% and removable once you reach 20% equity.
Jumbo
Required above the conforming loan limit — which covers a large share of Miami-Dade and Broward luxury inventory. Expect deeper reserve requirements and stricter documentation.
FHA
Lower down payment and more flexible credit thresholds. Mortgage insurance applies for the life of most loans, and condominium buildings must be FHA-approved.
VA
For those who served: no down payment, no monthly mortgage insurance, and competitive rates. Funding fee exemptions apply with a service-connected disability rating. Condominiums must appear on the VA-approved list.
FAQ