Your Pompano Beach, FL
Mortgage Broker

A local broker who knows Pompano block by block

Pompano Beach has changed faster than any North Broward city in the last decade. The Pier redevelopment, the new Atlantic Boulevard restaurants and apartments, the Isle of Capri buildouts, and Old Pompano’s revival have shifted what’s possible — and what’s financeable. We work Pompano buyers and homeowners every week, from Cypress Bend condo refinances to first-time buyers stretching for a townhouse near Federal Highway. Turtur Home Loans is South Florida-based — Didier Latortue (NMLS #1649918) personally handles every Pompano file from pre-approval through closing.

Loan programs available in Pompano Beach

• Conventional — 3%–20% down, best rates with 700+ credit. The right fit for most Cypress Bend, Palm Aire, Garden Isles, and Old Pompano single-family or townhome purchases under $806,500 (2026 Broward conforming limit).
• FHA — 3.5% down, credit scores down to 580. Common for first-time buyers in inland Pompano (33063, 33064) and in select condo buildings in the 33060/33062 zips. We check FHA approval per building same-day.
• VA — 0% down, no PMI. Strong fit for buyers near the Coast Guard Air Station Miami line, Naval Reserve Center commuters, and military retirees relocating. Building must be on the VA-approved condo list for waterfront purchases — that list is narrower than FHA’s, but we screen quickly.
• Jumbo — for loans above $806,500. Common on Hillsboro Mile (technically Hillsboro Beach but adjacent), Lighthouse Point line, ocean-block A1A condos, and the larger Cypress Bend / Isle of Capri waterfront homes. Portfolio lenders we work with handle interest-only, asset-depletion, and recent self-employment income.
• Condo loans — the make-or-break product in Pompano. The post-Surfside structural-integrity reserves rules hit older oceanfront buildings here harder than almost anywhere in Broward because Pompano has so many 1960s-70s towers. We’ve closed in over 100 South Florida condo buildings and pull the building’s warrantability before you offer.
• DSCR and investor loans — for short-term-rental properties in Pompano’s investor-friendly zips, especially 33062 east of A1A and select Old Pompano blocks. Qualifies on projected rent, not your personal income.
• HELOC and cash-out refinance — for tapping equity in your current Pompano home for renovations, investment, or debt consolidation. Pompano values have appreciated significantly post-Pier-redevelopment.

Pompano Beach neighborhoods we close in regularly

• Pompano Beach (33062, east of US-1) — beach + condo territory. The Pier corridor has the newest construction; older Atlantic Boulevard towers need warrantability checks. We screen before you offer.
• Old Pompano / Downtown / Atlantic Boulevard corridor — historic single-family + new townhouse developments. Mix of FHA, conventional, VA all work depending on building/structure age.
• Cypress Bend — the iconic Pompano condo community. Multiple phases, each with its own HOA and master insurance. Phase-by-phase warrantability varies. We know which phases finance cleanly and which need non-warrantable options.
• Isle of Capri / Garden Isles — waterfront single-family. Often jumbo. Boat-lift homes have appraiser-specific considerations.
• Palm Aire (Country Club) — established mid-tier neighborhood with golf-community pricing. Conventional dominates.
• Crystal Lake, Cresthaven — middle-Pompano single-family, popular with first-time buyers. FHA, VA, and Hometown Heroes all work well.
• Collier Manor, Northeast Pompano (33064) — affordable single-family. Strong fit for FHA + Hometown Heroes-assisted first-time buyers.
• Hillsboro Shores line (33062 north) — high-end waterfront approaching the Lighthouse Point boundary. Jumbo territory.

Pompano condo realities — what kills deals if you don’t catch them early

After the 2021 Surfside collapse, Florida passed structural-integrity reserves legislation that has affected almost every pre-1995 oceanfront tower in Pompano. Cypress Bend, Pompano Aire Club, Sands Pointe, and many of the A1A high-rises have either gone through milestone inspections, received special assessments, or had their warrantability paused while reserves were rebuilt. The Pier-area new construction (Solemar, the new Atlantic Boulevard towers) generally finances cleanly. We pull the HOA financials, special assessment history, and master insurance summary before you write an offer — usually within 48 hours. If the building doesn’t qualify for conventional/FHA/VA, we have portfolio lenders for non-warrantable condos.

Pompano-specific costs you should plan for

• Property tax — Broward millage runs roughly 1.0%–1.3% of assessed value. Homestead exemption (file by March 1) drops $50,000 off taxable value once you occupy the home.
• Hurricane and wind insurance — required by lenders. Coastal Pompano (33062, eastern 33060) skews high: budget $2,500–$5,500/yr for single-family, $1,500–$3,500/yr for condos depending on building age and roof. Inland zips run lower.
• Flood insurance — required for most properties east of US-1 and in FEMA AE/VE zones; budget $500–$4,000+ depending on elevation. The Pier area and Hillsboro line carry meaningful flood exposure.
• HOA / condo fees — Cypress Bend runs $700–$1,400/month, Pier-area new construction runs $1,500–$3,500/month. All of this counts in your DTI calculation.
• Florida doc stamps + intangible tax — $0.35 per $100 of note + 0.2% intangible tax on the mortgage. Standard FL closing costs.

How to start

Fill out the form on this page or call (754) 224-5704. We’ll have a 15-minute conversation, run the numbers, and tell you exactly which loan programs you qualify for and what your real monthly payment looks like — including the Pompano-specific insurance and HOA costs that national calculators get wrong. Pre-approval is free, soft credit pull only, no obligation. Same-day during business hours, 24-hour turnaround otherwise.

Turtur Home Loans NMLS #2836215 · Didier Latortue NMLS #1649918 — licensed Florida mortgage broker, serving Pompano Beach, Lighthouse Point, Deerfield Beach, and all of Broward and Palm Beach County.