Yes. Mortgage AF LLC is a licensed mortgage broker, NMLS #2260967. Annia Fonseca is NMLS #1667245. Verify licenses anytime at NMLS Consumer Access.
Do you help with both purchase and refinance?
Yes. We help South Florida buyers and homeowners with purchase loans, refinancing, cash-out options, FHA, VA, conventional, and condo financing.
How fast can I get pre-approved?
Many clients can start with our secure online application in a few minutes. A licensed specialist typically follows up within one business day to review options and next steps.
What areas do you serve?
We primarily serve Miami-Dade, Broward, and Palm Beach counties, including high-volume markets and coastal communities across South Florida.
Will applying hurt my credit?
Starting a conversation or submitting basic information does not automatically mean a hard credit pull. We explain when a credit check is needed and what to expect before it happens.
What is the difference between Mortgage AF and Miami Mortgage Help?
Same licensed company. Mortgage AF is the corporate broker brand (this site). Miami Mortgage Help is our consumer education site with a free first-time buyer guide and additional local resources.
Do you only work with first-time buyers?
No. We work with first-time buyers, move-up buyers, refinance clients, and condo purchasers. If you are early in research, we can still answer questions before you apply.
How do I get started?
Apply online, call (305) 400-2771, or send a message on the Contact page. Tell us purchase vs refinance and your timeline — we will outline the cleanest next step.
