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Review Keywords Analysis

  1. United States
  2. Best Mortgage Brokers
  3. Mortgage Brokers in Florida
  4. Fort Lauderdale
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
Step 1 of 3

Mortgage Affordability Calculator Fort Lauderdale, FL

How much house can you afford in Fort Lauderdale? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.

Updated · current rates and lending limits

Add your partner's income if you're buying together.

Car loans, credit cards, lines of credit, student loans. Not rent.

Property tax are for this state.

An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.

Top-rated mortgage brokers in Fort Lauderdale

Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →

1

Cornerstone First Mortgage - Fort Lauderdale

Cornerstone First Mortgage is known for its personalized approach, guiding clients through every step of the home loan process with clear communication and attentive support. The team assists with mortgage financing and often helps connect customers to local Realtors. While some clients mention last-minute challenges, the agents remain responsive and professional throughout.

Services & Prices
Mortgage Pre-Approval Quoted per loan
Refinancing Services Quoted per loan
View Profile
(954) 626-6400
Open 8:00 AM - 6:00 PM
1471 NE 26th St, Fort Lauderdale, FL 33305
General Services
Mortgage Services
2

Daniel De La Torre Roffe - Mortgage Broker, NMLS #1278022 | Fort Lauderdale, FL

Licensed under NMLS #1278022, this mortgage broker team specializes in home financing and refinancing with a focus on clear communication and ongoing support. Customers appreciate their professionalism and responsiveness, noting a smooth, well-organized process from start to finish. The team remains available to answer questions even after closing.

Services & Prices
Home Purchase Loans Quoted per loan
Home Refinancing Quoted per loan
VA Loans Quoted per loan
View Profile
(786) 239-4078
Open 9:00 AM - 5:00 PM
300 SE 2nd St Ste 600-5, Fort Lauderdale, FL 33301
General Services
Home Financing
3

Brad Greenleaf Mortgage Solutions - Cornerstone First Mortgage - Fort Lauderdale

Specializing in home equity lines of credit and reverse mortgages, Brad Greenleaf Mortgage Solutions offers personalized guidance throughout the lending process. The team is known for clear communication and patience, helping clients navigate complex transactions with ease. Some customers note that certain processes can take longer than expected but appreciate the thorough support provided.

Services & Prices
HELOC (Home Equity Line of Credit) Quoted per loan
Reverse Mortgage Quoted per loan
Conventional Mortgage Quoted per loan
View Profile
(954) 295-7900
Open 9:00 AM - 5:00 PM
1471 NE 26th St Ste 100, Fort Lauderdale, FL 33305
General Services
Mortgage Services
4

Mortgage Masters

Known for a family-oriented approach, Mortgage Masters offers personalized mortgage guidance for home purchases, refinancing, and specialized loans like VA and jumbo mortgages. Clients appreciate the team’s clear communication, responsiveness, and ability to simplify complex financing, though some note the process can still feel challenging at times.

Services & Prices
Purchase Mortgages Quoted per loan
Refinancing Quoted per loan
VA Loans Quoted per loan
Standard Pre-Approval Quoted per loan
View Profile
(954) 964-2220
Open 9:00 AM - 5:00 PM
2699 Stirling Rd Ste C101, Fort Lauderdale, FL 33312
General Services
Mortgage Services
5

My Smart Loan Officer

My Smart Loan Officer offers a broad selection of loan programs, including VA, FHA, USDA, and conventional mortgages, tailored to support homebuyers and those refinancing in Florida. The team guides clients through each step with clear communication and responsiveness, helping to make the process straightforward and timely. Some clients note the high level of availability even during busy periods.

Services & Prices
Conventional Loan Quoted per loan
FHA Loan Quoted per loan
VA Loan Quoted per loan
Rate and Term Refinance Quoted per loan
View Profile
(303) 204-0193
Open 7:45 AM - 7:30 PM
800 Ponce de Leon Dr, Fort Lauderdale, FL 33316
General Services
Home Loan Services
Where they are 10 on the map Click a pin for the profile and directions
6

FAIR Mortgage Lending

FAIR Mortgage Lending specializes in navigating challenging mortgage requirements, particularly for condo purchases, often closing deals quickly and with clear communication. The team offers personalized guidance through home financing and loan options, with clients appreciating their transparency, patience, and responsiveness throughout the process.

Services & Prices
Conventional Loans Quoted per loan
Condo Financing Quoted per loan
Refinancing Quoted per loan
First-Time Home Buyer Assistance Quoted per loan
View Profile
(786) 840-8898
Open 9:30 AM - 6:30 PM
300 SE 2nd St Ste 600, Fort Lauderdale, FL 33301
General Services
Mortgage Lending
7

Cliff Dees | Mortgage Broker & Independent Loan Officer NEXA Mortgage LLC. |. Lic. in FL, MS & AL

Licensed in Florida, Mississippi, and Alabama, this mortgage broker offers a single point of contact for home purchase loans, refinancing, and pre-approvals. The team handles a variety of loan types, including FHA, VA, USDA, conventional, jumbo, and DSCR, with clear communication on rates and timelines. Clients appreciate the responsive, detail-oriented service that helps simplify the mortgage… more...

Licensed in Florida, Mississippi, and Alabama, this mortgage broker offers a single point of contact for home purchase loans, refinancing, and pre-approvals. The team handles a variety of loan types, including FHA, VA, USDA, conventional, jumbo, and DSCR, with clear communication on rates and timelines. Clients appreciate the responsive, detail-oriented service that helps simplify the mortgage process.

Services & Prices
Home Mortgage Quoted per loan
Refinancing Quoted per loan
Buyer Representation $300 - $500
Seller Representation $300 - $500
View Profile
(305) 298-4753
Open 6:00 AM - 11:00 PM
801 Bryan Pl, Fort Lauderdale, FL 33312
General Services
Loan Services
8

Atlantic Home Capital - Mortgage Broker Florida

Atlantic Home Capital specializes in a wide range of mortgage loans, including jumbo, FHA, VA, and modular home financing, with a focus on personalized service. The team is known for clear communication and helping clients navigate complex loan options, though some find the process detailed. They assist buyers and refinancers seeking tailored mortgage solutions.

View Profile
(631) 901-6922
Open 00:00 - 23:59
5200 NW 33rd Ave Ste 202, Fort Lauderdale, FL 33309
9

South Florida Mortgage

South Florida Mortgage specializes in guiding clients through a wide range of home financing options, from first-time purchases to investment property loans. Their team offers clear, personalized support and deep local market knowledge across South Florida. Customers appreciate their responsiveness and thorough explanations throughout the mortgage process.

Services & Prices
Pre-approval Quoted per loan
Refinancing Assistance Quoted per loan
View Profile
(954) 806-5882
Open 9:00 AM - 7:00 PM
9633 W Broward Blvd Ste 7, Fort Lauderdale, FL 33324
General Services
Mortgage Services
10

Florida State Mortgage Group, Inc - Greater Fort Lauderdale Mortgage Broker

Specializing in mortgage programs for first-time homebuyers and U.S. Veterans, Florida State Mortgage Group offers a variety of loan options including Conventional, FHA, VA, and Jumbo Loans. The team uses online tools to streamline applications and provides same-day pre-approvals, with clients appreciating their responsive communication and efficient service throughout the process.

Services & Prices
Loan Application Process Quoted per loan
Refinance Assistance Quoted per loan
View Profile
(954) 686-1883
Open 9:00 AM - 5:00 PM
1512 E Broward Blvd #204A, Fort Lauderdale, FL 33301
General Services
Mortgage Services

Fort Lauderdale Mortgage Statistics

Home-purchase lending in Broward County and home costs in Fort Lauderdale, FL (latest HMDA and Census data)

Lenders made 16,955 home-purchase loans in Broward County in 2025 (average about $513,000) and denied 4,288 — 20% of decided applications, compared with 17% across Florida, according to federal mortgage data (HMDA, CFPB). In Fort Lauderdale, the median home is worth $486,700 and 54% of owners have a mortgage, paying a median $2,679 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
16,955▼ 9%18,707 in 2024
Denial rate
20%FL 17%
Median home value
$486,700FL $359,000
Monthly cost with a mortgage
$2,679median · FL $1,959
Refinance loans made (Broward County, 2025)
8,690 · 7,261 in 2024
Home-improvement loans made (2025)
2,654
Average home-purchase loan
$513,000 (FL $416,000)
Owners with a mortgage
54% · 42% of them spend 30%+ of income on housing
Median household income
$83,130 (FL $74,568)

Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Broward County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.

How this Fort Lauderdale mortgage affordability calculator works

Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.

Florida rules and numbers this calculator uses

Debt-to-income
31% for housing and 43% total, the FHA standard and the long-time Qualified Mortgage limit. Some conventional loans go higher with strong credit and savings.
Down payment
At least 3% on a conventional first-time buyer loan (3.5% on FHA). Under 20% down, private mortgage insurance of about 0.6% of the loan a year is added to the payment.
Property tax
About 0.76% of the home's value a year, the Florida average for owner-occupied homes (2024 Census ACS).
Insurance
Homeowners insurance assumed at $150 a month; it varies a lot by home and location.
Rate
Starts at 7.40% (Freddie Mac 30-year average, October 2026). Change it to the rate you have been quoted.

An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.

Frequently asked questions

9 questions
How does the mortgage affordability calculator work?
It estimates the highest home price you can qualify for based on income, debts, down payment, and interest rate. It includes monthly payment, PMI, and property tax.
What is the debt-to-income ratio for mortgages in Florida?
Lenders typically cap housing costs at 31% of gross monthly income and total debt payments at 43%.
What's the minimum down payment for a first-time buyer in Fort Lauderdale?
Minimum down payments are 3% for conventional loans and 3.5% for FHA loans. VA and USDA loans may allow 0% down for eligible buyers.
How do interest rates affect what I can afford?
Higher interest rates increase monthly payments, reducing the home price you can afford. Rates in the calculator start at 7.40%.
How do my debts impact the mortgage I can qualify for?
Higher monthly debts reduce the mortgage amount you can qualify for, as lenders cap total debt payments at 43% of gross monthly income.
How much is property tax in Florida?
Property tax is about 0.76% of the home's value annually in Florida, based on the 2024 average for owner-occupied homes.
What's the difference between pre-approval and pre-qualification?
Pre-approval involves verifying income, debts, credit, and down payment, confirming the real number. Pre-qualification is an initial estimate.
Do I need private mortgage insurance in Fort Lauderdale?
If your down payment is under 20% on a conventional loan, PMI is required, roughly 0.6% of the loan annually. It can be removed when the balance falls below 80%.
What does a mortgage broker do?
A mortgage broker helps you find and apply for a mortgage, comparing different lenders and loan options to find the best fit for your needs.

General information, not financial advice — consult a qualified professional.