Business Details
14 Years
experience
Trusted Mortgage Brokers in Miami, FL
At PS Mortgage Lending, we are dedicated to empowering homeownership through personalized mortgage solutions. Founded in 2012, our team combines deep industry expertise with a commitment to ethical practices, serving veterans, seniors, and diverse clients across South Florida and nationwide. Specializing in VA loans, reverse mortgages, and non-qualified mortgage programs, we prioritize client education and tailored financial strategies.Our certified professionals, including Certified Reverse Mortgage Professionals (CRMP), ensure transparent guidance and competitive rates. With a focus on community and innovation, we strive to simplify complex mortgage processes while maintaining the highest standards of integrity and client satisfaction.
Services
VA Mortgage
FHA Mortgage
Reverse Mortgage
Bank Statement Loans
Non-Qualified Mortgages
Details
- Year established: 2012
Highlights and features
- We offer 13+ years of mortgage expertise with a veteran-owned focus.
- Our team includes Certified Reverse Mortgage Professionals (CRMP) for specialized guidance.
- Competitive rates across VA, reverse, and non-QM loan programs.
- Bilingual services to support Miami's diverse communities.
- Personalized solutions tailored to unique financial situations.
Associations and certifications
- National Reverse Mortgage Lenders Association (NRMLA)
- Certified Reverse Mortgage Professional (CRMP)
What people say
Excellent mortgage guidance
Responsive team
Competitive rates
Stress-free process
Tailored solutions
Services
VA Mortgage
VA mortgages provide exclusive home loan benefits for veterans and active military members. These loans offer zero down payment options, competitive interest rates, and flexible qualification requirements. Our team specializes in VA loan programs, including jumbo options exceeding $647,200. We help veterans navigate the unique benefits of VA financing while maintaining strict compliance with Department of Veterans Affairs guidelines.
Reverse Mortgage
Reverse mortgages convert home equity into tax-free cash for seniors aged 62+. Our certified professionals explain HECM programs and proprietary jumbo options. We guide clients through financial implications, ensuring they understand how these loans affect estate planning and government benefits while maintaining property ownership.
Bank Statement Loans
Bank statement mortgages cater to self-employed borrowers who underreport income on tax returns. We verify income through bank statements rather than traditional W-2 forms. This program benefits entrepreneurs, real estate investors, and business owners seeking financing that reflects their true financial capacity beyond standard documentation requirements.
Non-Qualified Mortgages
Non-QM loans serve borrowers who don't meet conventional underwriting standards. Our options include investor cash flow loans requiring 20% down payments. These programs benefit clients with unique financial situations, offering alternative documentation methods and flexible debt-to-income ratio considerations for qualifying borrowers.
FHA Mortgage
FHA mortgages provide accessible homeownership opportunities with low down payment requirements. We help first-time buyers and those with limited credit histories qualify for these government-backed loans. Our team explains FHA requirements, including mortgage insurance premiums and property condition standards, to ensure informed decision-making.
People
Phil Stevenson
Owner & Principal
Certified Reverse Mortgage Professional with 13+ years in mortgage origination. Veteran of Afghanistan and Iraq, specializing in VA and reverse mortgages. Holds economics degree from Florida International University. Ranked #1 Reverse Mortgage Broker in Florida (2015-2017).
Roberto Crespo
Reverse Mortgage Specialist
Cuban-born electrical engineer turned mortgage originator. 15+ years serving Miami's senior community with reverse mortgage solutions. Fluent in Spanish, focusing on client education and personalized retirement planning strategies.
Philip Dixon
Reverse Mortgage Professional
UK native with 20+ years in mortgage industry. Specializes in FHA reverse mortgages since 2003. Combines technical expertise with compassionate counseling to address common misconceptions about reverse mortgage products.
Judd Brown
Mortgage Loan Originator
Licensed clinical social worker and former law enforcement officer. Brings unique perspective to mortgage origination, focusing on clients' long-term financial goals. Former Florida mortgage broker instructor with expertise in complex loan scenarios.
Ana Raquel Maya
Reverse Mortgage Specialist
Nicaraguan-born Miami resident serving Hispanic communities since 2007. NMLS-licensed professional with deep understanding of cultural considerations in senior mortgage planning and retirement strategies.
Questions
What types of mortgages does PS Mortgage Lending offer?
We specialize in VA loans, FHA mortgages, reverse mortgages, bank statement loans, and non-qualified mortgage programs for diverse client needs.
Are there closing cost options for reverse mortgages?
Yes, we offer FHA reverse mortgages with 2% MIP and proprietary options with lower closing costs for qualified borrowers.
Can I use a VA loan for a second home?
Yes, our team helps veterans navigate VA loan benefits for primary and secondary residences with tailored approval processes.
Do you serve non-English speaking clients?
Yes, we provide bilingual services in Spanish and Portuguese to support Miami's diverse communities.
How quickly can you close a mortgage?
We've closed loans in as little as 5 days with expedited processing for time-sensitive transactions.
Reviews (6)
Eli Sapharti
May 05, 2021
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Buying a home can be very stressful. Especially the loan/mortgage process. We were very lucky to have worked with Phil Stevenson and his entire PS Lending team. From the boss on down, every single person was very responsive, helpful, supportive and most of all extremely professional without being "stuffy". Not to mention that they got us the best rate! I will definitely use PS Lending again in the future and will gladly refer my friends and family.
James Schwitalla
May 04, 2021
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Positive:Professionalism,Responsiveness
Professional and responsive doesn't quite capture all of my experience at PS Lending. I would have to add efficient and effective to flesh out the picture of my experience more fully. It's PS Lending, NOT BS Lending, because Phil Stevenson and the Team know their business and they do it well!
Professional and responsive doesn't quite capture all of my experience at PS Lending. I would have to add efficient and effective to flesh out the picture of my experience more fully. It's PS Lending, NOT BS Lending, because Phil Stevenson and the Team know their business and they do it well!
William Somerville
May 02, 2021
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Phil and his team are exceptional! They are consultative, creative and will guide you to the optimal rate for your profile. Whenever I hear folks complain about the big banks moving slow and not understanding borrowers income streams I tell them I got you the BEST in the business. Plus he is a veteran with special programs for Vets. Last but not least he monitors the interest rates swings and is spot on in terms of anticipating optimal rate lock. Check out his Mortgage Nerd posts on YouTube
Javat Sanchez
Feb 28, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
After 6 months of trying to refinance with another company (and going nowhere), I decided to contact PS Mortgage Lending. Phil and his team went above and beyond, we were able to refinance in less than 2 weeks. I would definitely recommend Phil and all the PS Mortgage Lending team.
Luis Sanchez
After 6 months of trying to refinance with another company (and going nowhere), I decided to contact PS Mortgage Lending. Phil and his team went above and beyond, we were able to refinance in less than 2 weeks. I would definitely recommend Phil and all the PS Mortgage Lending team.
Luis Sanchez
Johnathan Litan
Dec 05, 2020
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My experience with this company was amazing. At first I was a little hesitant to go with a smaller loan company and thought Wells Fargo or CitiBank were far superior. Guess again, Phil (the owner) beat the loan rates these banks were giving me! He worked with me and took the time to go over all my questions about the home buying process. You will not regret going with this company.
Henry Sanchez
Dec 05, 2020
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Positive:Professionalism,Quality,Responsiveness
Phil is incredibly knowledgeable and looks out for his clients best interest. We refinanced in less than 2 weeks. Thats unheard of but he did it. Id work with Phil anytime and recommend him and his company wholeheartedly. Thank you Phil also for your service to this country during your time in the military.
Phil is incredibly knowledgeable and looks out for his clients best interest. We refinanced in less than 2 weeks. Thats unheard of but he did it. Id work with Phil anytime and recommend him and his company wholeheartedly. Thank you Phil also for your service to this country during your time in the military.
