Las Olas · Victoria Park · Rio Vista

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Fort Lauderdale's waterfront lifestyle draws primary buyers, second-home shoppers, and condo investors in equal measure — and that mix shapes how lenders price loans across the city. From Las Olas Isles to Victoria Park to the beach condos, Nick shops 100+ wholesale lenders to find the rate and program built for your specific property, not a generic statewide quote.

Serving: Las Olas · Victoria Park · Rio Vista · Coral Ridge · Wilton Manors · Harbor Beach · Colee Hammock · Coral Shores

Fort Lauderdale, Florida

Common Questions

Fort Lauderdale Mortgage FAQ

What is the conforming loan limit in Broward County for 2026? +
The 2026 conforming loan limit for Broward County is $832,750 for a single-family home. Loans above this threshold require a jumbo mortgage with different qualification requirements.
What is the FHA loan limit in Broward County? +
The 2026 FHA loan limit for a single-family home in Broward County is $667,000. FHA loans require as little as 3.5% down with a 580+ credit score.
Can I get a DSCR loan for a Fort Lauderdale vacation rental? +
Yes. Fort Lauderdale's short-term rental market — particularly Las Olas, the beach, and Victoria Park — is strong enough that DSCR loans frequently work well. Lenders use either actual leases or a market rent analysis to determine qualifying income.
How long does it take to close on a home in Fort Lauderdale? +
A typical purchase closes in 21–30 days with conventional financing. Jumbo loans can take 30–45 days. DSCR investment loans can close in as few as 14–21 days with the right lender.
Do you work with buyers on waterfront and barrier-island condos? +
Yes — and knowing the nuances matters. Condos on barrier islands often require non-warrantable condo financing. Flood zone designations affect insurance requirements and costs, which factor into DTI calculations. Nick has experience with coastal Fort Lauderdale property requirements.

Programs Available in Fort Lauderdale

Find Your Loan Type

DSCR Loans
Qualify on rental income — no W-2s or tax returns required. Ideal for Fort Lauderdale investment properties and vacation rentals.
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Jumbo Loans
Financing above $832,750 for Las Olas Isles, Harbor Beach, Rio Vista, and Fort Lauderdale's luxury waterfront market.
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FHA Loans
3.5% down with a 580+ credit score. FHA loan limit in Broward County is $667,000.
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Ready When You Are

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