Mortgage for Buyers Across Broward County

One broker, every Broward city

Broward County stretches from Hallandale Beach to Deerfield Beach and from the Atlantic all the way west to the Everglades. Each city has its own price points, insurance dynamics, and HOA realities. Turtur Home Loans closes loans across all of them — and we know the lender quirks that matter in each.

• Fort Lauderdale — beach, downtown, condos, jumbo, and historic neighborhoods. Mix of every program type.
• Hollywood / Hallandale Beach — beachfront condos, single-family, and a strong investor market. Conventional and FHA dominate.
• Pompano Beach — affordable single-family and beach condos. Hometown Heroes and FHA work well for first-time buyers.
• Coral Springs — established master-planned community, strong conventional purchase market with 700+ credit buyers.
• Pembroke Pines / Miramar — large suburban inventory, growing first-time-buyer activity.
• Plantation — solid mid-price single-family. Mix of conventional and FHA.
• Davie / Cooper City — single-family with strong schools. Conventional and jumbo dominate at the upper end.
• Weston — high-end suburb. Jumbo financing common, especially around Bonaventure and the Country Isles.
• Sunrise / Tamarac / Lauderhill / Margate — affordability belt. FHA, VA, and Hometown Heroes are the workhorses.
• Deerfield Beach / Lighthouse Point — beach and inland mix. Older inventory means insurance and wind mitigation matter.
• Wilton Manors — established LGBTQ-friendly community. Strong rental and primary residence market.

Loan programs we close in Broward

• Conventional — best rates with 700+ credit. 2026 conforming loan limit in Broward is $806,500 — anything above is jumbo.
• FHA — 3.5% down with credit scores from 580. Most common first-time-buyer program.
• VA — 0% down for veterans and active-duty. No monthly mortgage insurance. Funding fee can be financed.
• USDA — eligible only in a few small pockets of western Broward (parts of Southwest Ranches, Davie). 0% down for income-qualifying buyers in eligible areas.
• Jumbo — for loans above $806,500. Common in Weston, Parkland, Coral Springs higher-end, and east-of-US-1 Fort Lauderdale.
• Florida Hometown Heroes — state-funded down payment assistance for eligible Florida workers. Stackable with FHA, VA, or conventional first mortgages.
• Condo loans — Broward has thousands of condo buildings. We pre-check warrantability before you waste time on a building that won’t finance.
• DSCR and investor loans — for rental property buyers. Qualifies on the property’s rent, not your personal income.
• HELOC and cash-out refinance — tap your Broward home’s equity for renovations, investment, or debt consolidation.

Broward County cost realities

Three Broward-specific costs trip up out-of-state buyers and even some lifelong locals:

1) Property taxes. Broward millage rates run roughly 1.0%-1.3% of assessed value annually, varying by city and special assessment districts. Filing for homestead exemption by March 1 of the year after you close removes $50,000 from your taxable value and caps annual increases at 3% under Save Our Homes. Save Our Homes is one of the most valuable benefits of buying in Florida — but only if you file.

2) Hurricane and wind insurance. Broward is a Tier 1 wind zone. Most lenders require dedicated wind coverage. Budget $1,800-$4,500/yr for single-family depending on age, roof condition, opening protection, and location. Eastern Broward (33301, 33308, 33316, 33019) trends higher. Roof age over 15 years can disqualify a property from standard carriers.

3) Flood insurance. Required for any property in a FEMA AE/VE flood zone or on lender request. Costs run $500-$5,000+ depending on elevation and zone. Many Broward properties east of US-1 are in flood zones; map your exact address before you go under contract.

Why a Broward-focused broker matters

A national lender’s underwriter in Texas doesn’t know that Coral Ridge has different flood maps than Imperial Point. They don’t know which Coral Springs HOAs have litigation that kills financing. They don’t know that Weston’s wind insurance can run $6,000/yr on an older roof and that you’d better fix that before applying. They follow a checklist.

A local broker who’s closed hundreds of Broward loans knows where the friction is and how to handle it. We pair you with the right lender for your scenario, the right insurance agent for your zip code, the right inspector who actually understands wind mitigation reports, and the right title company that closes on time in Broward.

How to start

Fill out the form on this page or call (754) 224-5704. We’ll walk through your situation in 15 minutes — credit, savings, target area, timeline. Within 24 hours you’ll have a real pre-approval letter you can submit with offers.

No application fee. No junk fees. No high-pressure follow-up if you decide to wait.

Turtur Home Loans, NMLS #2836215 — licensed Florida mortgage broker.