Your Hollywood, FL
Mortgage Broker

A local broker who knows Hollywood block by block

Hollywood is six miles of beach, three distinct condo eras (1960s towers, ’80s mid-rises, post-2010 boutique buildings), and a half-dozen single-family neighborhoods that each price and underwrite differently. We work Hollywood buyers and homeowners every week — from Memorial Healthcare nurses pre-approving on a townhouse near the hospital, to Hard Rock employees stretching for a condo near Hollywood Beach, to retirees relocating into Emerald Hills. Turtur Home Loans is South Florida-based. You won’t be passed to a call center in another state, and you won’t get a different processor every week. Didier Latortue (NMLS #1649918) personally signs off on every Hollywood file.

Loan programs available in Hollywood, FL

• Conventional — 3%–20% down, best rates for credit 700+. The right choice for most Hollywood Hills, Emerald Hills, Driftwood, and Oakwood Hills single-family purchases under $806,500 (2026 Broward conforming limit).
• FHA — 3.5% down, credit scores down to 580. Common in Hollywood for first-time buyers in West Hollywood, Liberia, Hollywood Lakes, and parts of Carver Ranches. Condo buyers need to confirm the building is on HUD’s FHA-approved list — we check that the same day.
• VA — 0% down for veterans and active-duty. No PMI, no monthly mortgage insurance. Particularly strong for buyers near the Naval Reserve Center in Pompano and Coast Guard families relocating into the area. Building must be on the VA-approved list for condos.
• Jumbo — for loans above $806,500. Common on Hollywood Beach (Diplomat Residences, Trump Hollywood, Beach Club), parts of Emerald Hills, and oceanfront homes south of Sheridan. We work with portfolio lenders that handle interest-only, asset-depletion, and recent self-employment income on jumbos.
• Condo loans — the make-or-break product in Hollywood, especially east of US-1. Many older oceanfront buildings have warrantability issues (insurance gaps, low reserves, post-Surfside structural assessments). We’ve closed in over 100 South Florida condo buildings — send us the building name and we’ll tell you in 24 hours whether it will finance under conventional, FHA, VA, or only via a non-warrantable program.
• DSCR and investor loans — for short-term-rental properties in Hollywood’s investor zips (33019, 33020, 33021). Hollywood’s STR ordinance is permissive in specific zones; we qualify the loan on projected rent, not your personal income.
• HELOC and cash-out refinance — for tapping equity in your current Hollywood home for renovations, investment, or debt consolidation. Common as values in Emerald Hills and Hollywood Hills have appreciated significantly.

Hollywood neighborhoods we close in regularly

• Hollywood Beach (33019) — condo territory. Building warrantability, insurance master policy, post-Surfside structural reserves all matter. We screen before you offer.
• Hollywood Lakes & Downtown Hollywood / Young Circle — historic single-family and small condos. FHA and conventional both work; older homes may need wind-mitigation credits on insurance.
• Hollywood Hills (33021) — established single-family, strong values. Conventional dominates. Good Memorial Healthcare commute.
• Emerald Hills — high-end gated community. Often jumbo. Country club fees and HOA dues factor into DTI.
• Driftwood, Oakwood Hills, Hillcrest — middle-Hollywood single-family, popular with first-time buyers. FHA, VA, and Hometown Heroes all fit well.
• West Hollywood, Liberia, Carver Ranches — affordable single-family. Strong fit for first-time buyers using FHA + Hometown Heroes assistance.
• Three Islands / Golden Isles (Hallandale-adjacent) — condo and waterfront. Building checks are critical here.

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

After the 2021 Surfside collapse, Florida passed structural-integrity reserves legislation that’s reshaped condo financing along Hollywood Beach and the older Hallandale-line corridor. Buildings now must reserve for major structural repairs, and many are mid-way through milestone inspections. The financial impact: special assessments, deferred maintenance reveals, and temporary warrantability suspensions. Buildings we see consistently affected sit in 1970s-80s towers along A1A and Ocean Drive. Newer construction (Diplomat, Beachwalk, Hyde Resort) generally finances cleanly. We pull the building’s HOA financials, special assessment history, and master insurance summary before you write an offer — usually within 48 hours.

Hollywood-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) knocks $50,000 off taxable value once you live in the home.
• Hurricane and wind insurance — required by lenders. Coastal Hollywood (33019, 33020) skews higher: budget $2,500–$5,000/yr for single-family, $1,500–$3,500/yr for condos depending on building age and roof.
• Flood insurance — most properties east of US-1 are in FEMA AE zone; budget $500–$3,500+ depending on elevation. Hollywood Beach and parts of Hollywood Lakes carry meaningful flood exposure.
• HOA / condo fees — Hollywood Beach condos often run $800–$2,500/month including hurricane insurance. Emerald Hills HOA is separate from country club dues. All of this counts in your DTI.
• 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 Hollywood-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 Hollywood, Hallandale Beach, Aventura-line buyers, and all of Broward and Palm Beach County.