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Building Trust in Home Financing

Your Miami-Dade Mortgage Specialists

At The Mortgage CPA, we’re dedicated to providing exceptional mortgage services to help you secure your dream home. Based in Miami, Florida, our team of experts offers tailored home financing solutions for Miami-Dade and beyond. Whether you’re looking to purchase a new home, refinance an existing mortgage, or explore investment property options, we provide a range of services, including fixed-rate mortgages, FHA, VA, and rehab loans. With 19... Read more

Our Unique Approach to Home Financing

Unlike other mortgage brokers, we offer more than just competitive loan rates; we provide a dedicated approach to ensure you are well-informed throughout the entire mortgage process. Our 19 years of expertise mean we understand the complexities of home financing and are committed to making the experience as seamless as possible. We pride ourselves on open communication, ensuring that your calls and emails are promptly addressed and that you ... Read more

Our Commitment to Making Homeownership Possible

Founded by Juan Zelaya, The Mortgage CPA brings over 19 years of experience in making homeownership dreams a reality. Based in Miami, our mission is to provide personalized mortgage solutions that simplify the buying and refinancing process. Juan’s dedication to transparent communication and exceptional service is at the heart of our approach. We understand how overwhelming the mortgage process can be, and we’re here to guide you with expert... Read more

Real Feedback From Real Clients

Dave Cruz

No one is more professional, educated, or knowledgeable than Mr. Zelaya! If you want someone who will give you white glove customer service, who is as knowledgeable and sometimes more so than the actual underwriters who underwrite his loans, and who routinely closes loans that other lenders cannot and in faster times... call Juan Zelaya!

Joel Freis

I have worked with Juan for several years. He is a true professional and knows the mortgage business. He always delivers, and our clients have always been happy with his service.

Denise Zimmer Madan

About eight years ago I was helping a new client sell their home in Country Walk and they wanted to buy a new home in a different part of Miami. I introduced them to Lakes by the Bay and they fell in love with the community. They were working with Juan Zelaya for their loan. We began a professional relationship and I now consider Juan to be a friend. Juan is extremely knowledgable when it comes to lending. When I send a client to Juan and he tells me we are "good to go" I know I can take his word all the way to the closing table.


Besides being so nice, Juan has the patience you need to demonstrate with clients, especially first time home buyers. He guides them through every step that they will need to go through and always has time for all his clients. For me, there is no one better. I trust him completely.

Lock in Stability

Secure a stable monthly payment with our Fixed Rate Mortgage options. Enjoy consistent budgeting and peace of mind knowing your rate won't change over time. Perfect for long-term homeowners.

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Accessible Homeownership

Take advantage of low down payments and flexible credit requirements with our FHA Loans. Ideal for first-time homebuyers or those with limited savings. Start your journey to owning a home today.

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