Mortgage AF is a licensed brokerage built for clear options, straight answers, and a cleaner path from first call to closing — purchase or refinance across South Florida.
Specialist follow-up within one business day · No obligation
No maze. Three direct moves depending on how ready you are.
A straight sequence — not a flowchart full of dead ends.
Define budget and a realistic purchase or refinance range.
Match loan type to credit, down payment, and timeline.
Secure app in minutes — then we take the baton.
Docs, underwriting, and status without the black box.
Clear-to-close support and a confident finish.
Want the full walkthrough?
Loan process details →Conventional, FHA, VA, and more — structured around your down payment, credit, and property type.
View purchase optionsRate-and-term or cash-out — we map the tradeoffs before you sign anything.
South Florida condo rules are real. We help you navigate what can fund.
Show up strong with sellers — clean file, clear next steps.
“We’re committed to educating clients on their options so they can make an informed decision — and get the program that actually fits.”
Mortgage AF brings decades of combined mortgage experience to South Florida purchase and refinance files. Less jargon. More ownership of the outcome.
Miami Mortgage Help = same licensed company, consumer education brand.
Tools first. Pressure never.
Yes. Mortgage AF LLC is a licensed mortgage broker, company NMLS #2260967. Annia Fonseca is NMLS #1667245. Verify on NMLS Consumer Access.
Yes. Purchase, rate-and-term refinance, cash-out, FHA, VA, conventional, and condo financing across South Florida.
Start online in minutes. A licensed specialist typically follows up within one business day with options and next steps.
Primarily Miami-Dade, Broward, and Palm Beach — high-volume markets and coastal communities.
A conversation or basic intake is not automatically a hard pull. We explain when credit is needed before it happens.
Mortgage AF LLC is the licensed company. Miami Mortgage Help is the DBA for educational guides and local buyer content. Same team, same licenses — different site experience.
Apply online, call direct, or send a question. We’ll meet you at your pace.
