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Fort Lauderdale, Broward County

Fort Lauderdale Mortgage Broker

Your licensed Fort Lauderdale Mortgage Brokerfor FHA, Conventional, VA, USDA & Down Payment Assistance home loans. As a trusted mortgage broker serving Fort Lauderdale and all of Broward County, we close loans in 14–21 days with honest rates and no surprises.

$520,000

Median Home Price

182,760

Population

33301

Primary ZIP

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Get Pre-Approved in Fort Lauderdale

5 minutes · No cost · Soft credit pull only

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NMLS# 1859012 · Equal Housing Lender

Home Loans in Fort Lauderdale

Fort Lauderdale Home Loan Programs

Mortgage Capital is your local Fort Lauderdale Mortgage Broker — licensed, experienced, and committed to getting Fort Lauderdale home buyers into the right loan program at the best available rate.

Whether you are purchasing your first home in Fort Lauderdaleor refinancing an existing mortgage, our team provides personalized guidance from application to closing. Furthermore, as a mortgage broker — not a bank — we shop dozens of lenders to find you the most competitive Fort Lauderdale mortgage rates available in 2026.

Additionally, Fort Lauderdalebuyers have access to Florida's Down Payment Assistance programs, including the Hometown Heroes mortgage (up to $35,000 for first responders & educators) and Florida Housing Finance Corporation programs. Because every borrower's situation is unique, we start with a free consultation to identify the best fit.

Available Loan Programs in Fort Lauderdale

✓FHA loans with as little as 3.5% down

✓Conventional loans from 3% down

✓VA loans — $0 down for veterans

✓Down Payment Assistance — Hometown Heroes & FL Housing

✓Jumbo loans for higher-priced homes

✓DSCR investment loans — no W2 needed

The median home price in Fort Lauderdale is approximately $520,000. However, prices vary significantly by neighborhood and property type. As a result, the right loan program — and the right down payment strategy — depends on your specific target price range and financial situation.

Fort Lauderdale Market Data — 2026

CityFort Lauderdale

CountyBroward County

ZIP Code33301

Median Price$520,000

Population182,760

Avg Close Time14–21 Days

Broker NMLS#1859012

How It Works in Fort Lauderdale

Apply Online

5 min · soft credit pull only

Rate Lock

We shop lenders for your best rate

Processing

Our team handles paperwork

In Fort Lauderdale — typically 14–21 days

FAQ

Fort Lauderdale Mortgage Questions

How do I find a mortgage broker in Fort Lauderdale, FL?

Mortgage Capital is a licensed Fort Lauderdale Mortgage Broker (NMLS# 1859012). However, choosing the right broker matters because not all lenders offer the same programs or service. Because we are locally based in South Florida, we know the Fort Lauderdale market and the specific programs available to Fort Lauderdale buyers. Call us at (561) 300-0380 or apply online for a free consultation.

What is the minimum down payment for a home in Fort Lauderdale?

The minimum down payment in Fort Lauderdale depends on the loan program. For example, FHA loans require 3.5% down with a 580+ credit score, while Conventional loans start at 3% for qualifying first-time buyers. Furthermore, VA loans offer $0 down for eligible veterans, and USDA loans offer $0 down in eligible rural zones. Additionally, the Florida Hometown Heroes DPA can provide up to $35,000 in assistance, dramatically reducing what you need at closing.

How long does it take to close on a home in Fort Lauderdale?

Most Fort Lauderdale home loans close in 14–21 days with Mortgage Capital. Furthermore, our pre-approval process typically takes less than 24 hours. However, timelines can vary based on loan type, property condition, and seller cooperation. As a result, having a fully underwritten pre-approval letter from day one is the best way to strengthen your offer and accelerate the Fort Lauderdale closing process.

Also Serving Broward County

Nearby Cities We Serve

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Ready to Buy in Fort Lauderdale?

Your local Fort Lauderdale Mortgage Broker— 5-minute pre-approval, honest rates, fast closing.

(561) 300-0380

Rates are illustrative only. APR and payments vary by credit score, loan amount, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.