Realtor & Lender Information
Miami-Dade County offers several homeownership assistance programs through the Miami-Dade County Department of Housing and Community Development (HCD/PHCD), including the Homebuyer Loan Program and Homebuyer Down Payment Assistance Program.
Realtors
Does Miami-Dade County have an approved Realtor list?
At this time, Miami-Dade County does not appear to publish a general approved Realtor list for its Homebuyer Loan Program or Homebuyer Down Payment Assistance Program.
However, the County does maintain a Homeownership Program Vendor Interest List that includes real estate agents, mortgage lenders, housing counseling agencies, title companies, real estate attorneys, home inspectors and insurance agents.
Real estate professionals interested in being considered for the County's vendor network may contact:
Miami-Dade County Housing Choice Voucher Homeownership Program
📞 305-403-3222
When requesting to be placed on the Vendor Interest List, the County asks vendors to provide:
- Name
- Email address
- Company name
- Mailing address
- Telephone number
- Type of service provided
Important: The Vendor Interest List should not be confused with an official approved Realtor list for the County's general Down Payment Assistance Program.
Lenders
Does Miami-Dade County have an approved lender list?
Yes.
Miami-Dade County maintains a list of Currently Approved First Mortgage Lenders for its Homebuyer Loan Program.
The County's approved lender list includes participating financial institutions and loan officer contacts.
How Can a Lender Become an Approved Miami-Dade County Lender?
Miami-Dade County has a formal PHCD Application for Mortgage Lender.
Financial institutions interested in participating must complete the County's lender application and meet the County's participation requirements.
The application requires information such as:
- Financial institution's legal name
- President/CEO information
- Mortgage lending executive
- Company contact information
- Main office and branch information
- Federal Employer Identification Number
- States in which the institution does business
- Affordable housing lending capabilities
- Quality control procedures
- Recent audited financial statements
- Board authorization to participate in the County program
The County reviews applications and may accept or reject an application. The County also reserves the right to remove lenders from the participating lender pool based on experience and performance.
Miami-Dade County Housing & Community Development
Miami-Dade County Department of Housing and Community Development (HCD)
📍 701 NW 1st Court
Miami, FL 33136
Main Phone: 786-469-4100
For the Homebuyer Loan Program, the County also lists:
Shawn Topps
📞 786-469-2209
Down Payment Assistance Program
Miami-Dade County's Homebuyer Down Payment Assistance Program may provide eligible buyers with up to $35,000 in assistance toward down payment and closing costs.
The assistance is structured as a 0% interest deferred loan with a term of up to 30 years.
For a stand-alone purchase using the County's Down Payment Assistance Program, the first mortgage lender does not necessarily have to be an approved PHCD lender. The lender must provide a commitment letter with the completed loan package.
Important Distinction for Lenders
There are two different situations:
Homebuyer Loan Program:
A first mortgage must be obtained through an approved participating lender.
Stand-Alone Homebuyer Down Payment Assistance:
The first mortgage lender does not have to be a PHCD-approved lender, provided the lender meets the program's requirements and supplies the required commitment letter.
Official Resources
Miami-Dade County Affordable Homeownership Program
The County's official page provides information about the Homebuyer Loan Program, Down Payment Assistance Program, program guidelines, and approved lenders.
Currently Approved Lenders:
Miami-Dade County publishes the current approved first-mortgage lender list for the Homebuyer Loan Program.
Lender Application:
Mortgage lenders interested in participating can complete the County's PHCD Mortgage Lender Application.
Important Notice
Being listed on DPA Compass or R Community First does not mean that a realtor or lender is officially approved, endorsed, or affiliated with Miami-Dade County.
Homebuyers, Realtors and lenders should verify current program requirements, lender approval status, funding availability and program eligibility directly with Miami-Dade County before entering into a transaction involving Down Payment Assistance.
