Fort Lauderdale Mortgage Rates & Home Loans
Freedomstar Financial offers competitive mortgage rates on conventional, FHA, VA, and jumbo home loans in Fort Lauderdale, Florida (License #LO135517). Broward County (Fort Lauderdale) uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home, so most purchases are standard conforming, with jumbo financing in higher-end coastal submarkets.
Fort Lauderdale anchors Broward County with a mix of primary-home buyers, seasonal residents, and investors. Financing spans conventional, FHA, VA, jumbo, and DSCR investor loans across a wide range of price points.
Today's Fort Lauderdale Mortgage Rates
Live best-execution Florida rates from our lender network — as of July 30, 2026 at 1:22 PM PDT.
Conventional 30-Yr Fixed
6.000%
APR 6.113%
FHA 30-Yr Fixed
5.625%
APR 5.779%
VA 30-Yr Fixed
5.625%
APR 5.795%
DSCR Investor 30-Yr
5.990%
APR 6.061%
Rates subject to change. See Rate Assumptions.
Fort Lauderdale Home Loan Facts
Median Home Price
~$450,000
Curated Fort Lauderdale estimate.
2026 Conforming Limit
$832,750
Broward County baseline reference.
County
Broward County
Loan limits are set at the county level.
Loan Limits & Market
Broward County (Fort Lauderdale) uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home, so most purchases are standard conforming, with jumbo financing in higher-end coastal submarkets.
From Las Olas and Victoria Park to Coral Springs, Plantation, and the coastal communities, Fort Lauderdale draws relocating professionals and second-home buyers. Condo financing and investor loans see steady activity.
Fort Lauderdale Highlights
- Baseline conforming limit of $832,750 (2026)
- Primary, second-home, and investor demand
- Active condo and DSCR investor financing
- Conventional, FHA, VA, and jumbo options supported
Property Taxes in Florida
Florida has no state income tax. Homeowners who claim a primary residence may qualify for the Homestead Exemption, which reduces taxable value and caps annual assessment increases.
Market facts last updated July 21, 2026.
First-Time Buyer Programs in Florida
Florida Housing HFA Preferred
Conventional first mortgage with reduced mortgage insurance for eligible buyers.
Florida Assist (FL Assist)
Down payment and closing-cost assistance as a deferred second mortgage.
Program availability and terms are set by the administering agency and subject to change. Contact us to confirm current eligibility.
Licensed to Lend in Fort Lauderdale, Florida
Your Fort Lauderdale loans are handled by Ivan Hendren, NMLS #152318. Freedomstar Financial holds an active Florida mortgage license (#LO135517). See our full licensing & disclosures for details.
Meet Ivan HendrenFort Lauderdale Mortgage FAQ
What is the conforming loan limit in Fort Lauderdale for 2026?
Broward County uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home. Loans above that amount are financed as jumbo loans.
Can I finance an investment property in Fort Lauderdale?
Yes. Fort Lauderdale has active investor demand, and investors frequently use DSCR loans that qualify based on the property’s rental income rather than personal income.
Other Florida Markets
All of FloridaMiami
Median ~$640,000
High-demand metro with significant jumbo and second-home activity.
Tampa
Median ~$400,000
Fast-growing Gulf Coast market with strong first-time buyer demand.
Orlando
Median ~$390,000
Central Florida hub with heavy relocation and investment purchases.
Jacksonville
Median ~$355,000
Affordable market with strong VA demand near naval bases.
West Palm Beach
Median ~$470,000
Palm Beach County market with strong relocation and second-home demand.
Fort Myers
Median ~$385,000
Southwest Florida market popular with retirees, second-home, and investor buyers.
Ready to get started in Fort Lauderdale?
Get a personalized, transparent Floridarate quote in minutes — no obligation, no hard credit pull to start.