by Albert Garcia Team

Home Loans Miami

Home Loans is a division of The Albert Garcia Real Estate Team that helps you meet your goals of homeownership. Specializing in home loan products that help the new home buyer and the investment buyer alike.

The AG Team Home Loans Division strives to serve the South Florida community with home financing that work for all walks of life. Whether you are exploring to find your first home, looking at a vacation home or investment property we have the financing to help you build wealth through homeownership. Your home loan professional is ready to help get you pre- approved and discuss options suitable to meet your goals.

Mortgage Application Process / How to Apply for a Mortgage

A mortgage application requires you to show collateral for the home loan you are requesting. This means before you complete a loan application you must pick out a house to use as collateral for the loan. The lender will then use the assessed value of the property to set the down payment amount required for financing.


Approved projects


Satisfied customers


Ongoing Projects


Years of experience

Areas of Focus

  • -Home Loans.
  • -Mortgage Application.
  • -Mortgages.
  • -Government Loans.
  • -Conventional Loans.
  • -Non-Conventional Loans.
  • -Refinance.
  • -Investing & Insurance
  • -I-TIN Loan Products

How do you know if you can afford the home you are using as collateral?

A pre-approval of course!

It is important to understand how a mortgage pre-approval can give you leverage and ease through the home shopping process. By reviewing your credit and qualifications we will be able to reach a determination about what you can afford.  A mortgage pre-approval will enable you to focus on the houses in your price range. It will also let the seller know that you have funding available to buy, and give you confidence to negotiate the sales price.  

Once buyer and seller agree on the sales price, it is time to complete the mortgage application and lock in loan terms. 

Once buyer and seller agree on the sales price, it is time to complete the mortgage application and lock in loan terms. ”

JUAN CARRANZA [Loand Officer]

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I want to thank Alterra Home Loans for the wonderful service they provided me on the purchase of my new home. This lender and my loan originator walked me every step of the way to a smooth closing. It was an amazing journey to have worked with them. I highly recommend them for your mortgage needs. Thank you.
Estephania Burks
These people were amazing, especially Juan. Really took the time and day to help me with my situation. Really nice and professional staff. Very nice atmosphere and quick to help me get started! Great experience, truly.
Andres Perez
I am very thankful for Alterra Home Loans professional, responsive and honest assistance with the mortgage process from beginning to end. Juan takes the time to ensure his clients understand the entire process and is willing to explain until the client is comfortable.
Jorge Lopez & Family
First time Home buyers