Financial Services

Find External Funding Options in Miami and South Florida

A home, a renovation, a course, a side business or an unexpected expense: when the project is bigger than your savings, we help you understand which funding sources fit it, prepare the file lenders and programs ask for and compare the offers you receive. We are not a lender; we help you get ready to apply.

Miami-Dade · Broward · South Florida · By appointment · English and Spanish

Ask the assistant

What this service includes

  • Definition of the project, the amount actually needed and a realistic repayment capacity based on your income
  • Map of options that fit: banks and credit unions, community lenders, county and city assistance programs, nonprofit grants, family or partner financing
  • Preparation of the application file: personal financial statement, tax returns, income records and a credit review
  • Side-by-side comparison of offers, with an explanation of rates, terms and what each one costs over its life
  • Help completing the applications and responding to questions from the lender or program

Who it is for

  • First-time buyers in Homestead or Miramar who want to know what down payment assistance exists before talking to a lender
  • Independent workers in Miami who need funding for equipment or a course and have income that is hard to document
  • Families in Hialeah or Hollywood facing a home repair or a medical expense who want an option that is not a high-interest card or an informal lender

Help to explore and secure funding opportunities for personal projects.

How we work

Four steps, always with a consultant who speaks your language.

  1. 1

    Goals and numbers

    We listen to what you want to achieve and look at income, expenses, debts and savings together.

  2. 2

    Options

    We explain the routes available to you, in plain language, with what each one requires.

  3. 3

    Plan and applications

    We build the plan and help you prepare any application, form or supporting document.

  4. 4

    Check-ins

    We review progress with you and adjust the plan when life changes.

Serving Miami and all of South Florida

Two offices, one team, and clients from Homestead to Fort Lauderdale.

In Miami-Dade and Broward the gap between what a home or a project costs and what a family has saved is wide, and it pushes many people toward whichever offer arrives first. There are alternatives: credit unions, community lenders, county and city homebuyer assistance programs and nonprofit funds, but each asks for a file that self-employed workers in Hialeah or Homestead rarely have ready. We build that file with you, in English or Spanish, and read the fine print of every offer before you commit.

Visits are by appointment. Most of the work can also be done remotely.

See map and directions

Our offices

Overthink · Miami Dade

9867 SW 184th St, Palmetto Bay, FL 33157.

+1 786-732-2287 · manager@overthinkcs.com

Overthink · Broward County

10500 NW 50th St, Sunrise, FL 33351.

+1 786-732-2287 · manager@overthinkcs.com

Frequently asked questions

Straight answers about this service. For anything else, call us or ask the assistant.

Do you provide the funding?

No. Overthink is not a lender and does not offer loans, credit or grants. We help you map the personal financing options in Miami that fit your project, prepare the application and compare the offers, and the decision belongs to each lender or program.

What are the personal financing options in Miami besides a bank loan?

Credit unions, community development lenders, Miami-Dade and Broward homebuyer and home repair assistance programs, city programs, nonprofit funds, education financing and, in some cases, family or partner financing. Which ones apply depends on the project, your income and your credit, and mapping that is the first thing we do.

What kind of personal projects does this cover?

Buying or repairing a home, paying for education or training, starting a small side business, covering a medical or family expense, or consolidating debt. If the project is really a business, our services for companies are usually the better fit.

Can you help with down payment assistance for a first home?

Yes. Miami-Dade, Broward and several cities publish assistance programs for first-time buyers, each with its own income limits, property rules and documents. We check which ones you may fit, prepare the file they ask for and explain how the assistance works alongside the mortgage, without recommending any specific lender.

What documents will lenders and programs ask for?

Usually identification, proof of income (pay stubs, 1099s or business records), recent tax returns, bank statements, a list of debts and, for self-employed applicants, a personal financial statement. We build that file with you; if you need the statement, our personal financial statements service prepares it.

My credit is not great. Is it still worth meeting?

Yes. Part of the work is understanding your credit report, correcting errors and identifying which programs consider more than a score. We will tell you honestly what is realistic now and what to strengthen first.

How much does this service cost, and does it depend on the loan?

Our work is consulting, independent of any lender or program, and it does not depend on which offer you accept. The scope depends on the project and how many applications you decide to submit; we explain it in the first conversation before starting. Contact us

Do you serve Broward and work in Spanish or remotely?

Yes. We meet at our Sunrise office for Broward, from Hollywood to Miramar, and in Palmetto Bay for Miami-Dade, or by video call, in English or Spanish. If the project also needs a household budget to support the repayment, our personal financial planning service builds it.

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