Your Weston, FL
Mortgage Broker

A local broker who knows Weston block by block

Weston is Broward County’s premier master-planned suburb — consistently ranked among Florida’s safest, best-schooled, and highest-median-income cities. The housing stock skews high: Weston Hills, The Ridges, Indian Trace, Bonaventure, Savanna, and the gated subdivisions on Weston’s western edge price meaningfully above the Broward conforming limit, which makes jumbo financing the dominant product. We work Weston buyers and homeowners every week — from Cleveland Clinic physicians upsizing to Weston Hills, to families relocating from the Northeast into Indian Trace, to executives buying jumbo in The Ridges. Didier Latortue (NMLS #1649918) personally reviews every Weston file.

Loan programs available in Weston

• Jumbo — the dominant program in Weston. Loans above $806,500 (2026 Broward conforming limit). We work with portfolio lenders that handle interest-only, asset-depletion, foreign-national, recent self-employment income, physician-loan programs (no PMI, no MI), and trust-funded buyers.
• Conventional — for the homes under $806,500. 3%–20% down, best rates with 700+ credit. Fits most Weston townhomes and smaller single-family.
• Physician loans — for Cleveland Clinic, Memorial, and other Weston-area physicians. 0% down up to $1M+, no PMI, with deferred-payment treatment of student loans. We have direct relationships with portfolio lenders running physician programs.
• VA — 0% down, no PMI. Strong fit for veteran buyers, including those above the VA loan limit (which is now unlimited for full-entitlement borrowers).
• FHA — rare in Weston because most pricing exceeds the FHA loan limit, but applicable in smaller townhomes. We screen FHA condo approval when needed.
• HELOC and cash-out refinance — particularly useful in Weston given the equity many homeowners hold. Common uses: physician practice acquisitions, college tuition for multiple kids, investment property down payments, debt consolidation.
• Foreign-national loans — Weston has a meaningful Venezuelan and Latin American expat community. We have portfolio lenders that qualify foreign nationals without US credit history, often at competitive rates.

Weston neighborhoods we close in regularly

• Weston Hills Country Club (33327, 33332) — the iconic Weston country club. Large estates. Jumbo + portfolio lending.
• The Ridges (33331) — high-end gated subdivision. Jumbo + ultra-jumbo. Estate-tier properties.
• Indian Trace (33326) — large master-planned section with several sub-communities. Conventional + jumbo, depending on price point.
• Bonaventure (33326) — established mid-tier to high-end, golf-community. Conventional + jumbo.
• Savanna (33327) — upscale gated community. Jumbo dominates.
• Saddle Club (33327) — estate-tier with larger lots. Jumbo and portfolio products.
• Country Isles, Windmill Reserve (33326) — mid-tier to high-end single-family. Conventional + jumbo.
• The Lakes (33326) — family-oriented, varied price points. Conventional dominates.
• The Reserve (33327) — ultra high-end estates. Often portfolio-level financing.
• Townhome communities around Weston Road and Bonaventure Boulevard — entry-level Weston pricing. Conventional + FHA.

Weston underwriting realities

Weston’s underwriting profile is distinctive: high-income borrowers, complex income structures (physician income, executive compensation with RSUs and bonuses, self-employed business owners, foreign nationals), and meaningful asset-depletion profiles for retirees. The single biggest mistake we see is buyers going to a national big-bank lender that can only run W-2 income through a vanilla underwriting box. We have portfolio relationships that work through asset-depletion, K-1 income, physician contracts, and foreign-source income properly — which often unlocks better pricing and faster closes. On the property side, most Weston homes are 1990s-2010s construction in well-funded HOAs, so the property-side underwriting is straightforward.

Weston-specific costs you should plan for

• Property tax — Broward millage roughly 1.0%–1.3% of assessed value. Weston’s city portion is competitive but the higher home values make the absolute dollar amount meaningful. Homestead exemption (file by March 1) drops $50,000 off taxable value.
• Hurricane and wind insurance — required. Weston (western Broward) runs lower than coastal-Broward but still meaningful: budget $3,000–$6,500/yr for single-family depending on age, roof, and pool. Estate-tier homes can run higher.
• Flood insurance — most of Weston is FEMA X zone, so flood insurance is rarely required — a real advantage. Some Indian Trace and Bonaventure sections carry partial AE-zone exposure.
• HOA / country-club fees — Weston Hills CC mandatory membership runs $8,000–$20,000/year initiation plus $400–$900/month. Indian Trace HOA $200–$500/month. The Ridges $300–$800/month. Bonaventure $300–$700/month. All counts in your DTI.
• Florida doc stamps + intangible tax — $0.35 per $100 of note + 0.2% intangible tax. Standard FL closing costs — meaningful at Weston price points.

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 Weston’s jumbo pricing options, physician-loan eligibility, and country-club membership math. Pre-approval is free, soft credit pull only, no obligation.

Turtur Home Loans NMLS #2836215 · Didier Latortue NMLS #1649918 — licensed Florida mortgage broker, serving Weston, Davie, Cooper City, Southwest Ranches, and all of Broward and Palm Beach County.