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  1. United States
  2. Best Mortgage Brokers
  3. Mortgage Brokers in Florida
  4. Miramar
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
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Mortgage Affordability Calculator Miramar, FL

How much house can you afford in Miramar? 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 Miramar

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

1

Mortgage Chicks

Verified

Mortgage Chicks specializes in guiding first-time homebuyers through the mortgage process with clear explanations and patient support. Their team helps clients understand options and stays responsive throughout, making the experience less overwhelming. Customers appreciate their professionalism and genuine care, often noting how the team advocates for their best interests.

Services & Prices
Mortgage Loan Approval Assistance Quoted per loan
View Profile
(305) 228-7600
Open 9:00 AM - 5:00 PM
3350 SW 148th Ave Suit 110, Miramar, FL 33027
General Services
Mortgage Services
2

Elite Lending LLC

Elite Lending LLC is known for making the mortgage process clear and efficient, often helping clients close ahead of schedule. Their team assists with home loans and lending needs, providing thorough explanations and prompt communication. Customers appreciate their attentiveness and smooth handling, though a few mention occasional delays due to holidays.

Services & Prices
Home Loan Quoted per loan
Refinancing Quoted per loan
Personal Loan Quoted per loan
Fixed-Rate Mortgage Quoted per loan
View Profile
(786) 703-1989
Open 9:00 AM - 6:00 PM
2750 SW 145th Ave Unit 403, Miramar, FL 33027
General Services
Lending Services
3

EZ Funding Group

With over 25 years of experience, EZ Funding Group offers a broad range of mortgage options including FHA, VA, Jumbo, and commercial loans. The team guides first-time buyers, investors, and refinancers through the process with clear communication and patient support. Some clients note the process can feel detailed, but many appreciate the steady updates and responsiveness.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
Pre-Approval Assistance Quoted per loan
View Profile
(954) 318-1100
Open 9:00 AM - 6:00 PM
3350 SW 148th Ave Suit 110, Miramar, FL 33027
General Services
Mortgage Services
4

Primary Residential Mortgage, Inc.

Known for working closely with clients to develop personalized mortgage plans, Primary Residential Mortgage, Inc. offers a range of home loan services aimed at making the buying process smoother. Customers appreciate the team’s professionalism and attention to detail, though some have noted that communication about fees and paperwork could be clearer.

Services & Prices
Home Purchase Loans Quoted per loan
Refinance Loans Quoted per loan
Broker Fees Quoted per loan
View Profile
(954) 239-4515
Open 9:00 AM - 5:00 PM
3400 Lakeside Dr #102, Miramar, FL 33027
General Services
Mortgage Services
5

Richard Ruble - VanDyk Mortgage Corporation

With nearly three decades of experience, Richard Ruble at VanDyk Mortgage specializes in complex loan types like Non QM, DSCR, and Bank Statement loans. The team offers a range of mortgage options for first-time buyers, investors, and self-employed clients, guiding them through each step with clear communication and flexible solutions. Customers appreciate their hands-on approach and… more...

With nearly three decades of experience, Richard Ruble at VanDyk Mortgage specializes in complex loan types like Non QM, DSCR, and Bank Statement loans. The team offers a range of mortgage options for first-time buyers, investors, and self-employed clients, guiding them through each step with clear communication and flexible solutions. Customers appreciate their hands-on approach and responsiveness throughout the process.

Services & Prices
Pre-approval Quoted per loan
Loan Closing Quoted per loan
Refinancing Quoted per loan
View Profile
(954) 895-2310
Open 8:30 AM - 6:00 PM
3350 SW 148th Ave #126, Miramar, FL 33027
General Services
Mortgage Services
Where they are 10 on the map Click a pin for the profile and directions
6

Grace Modern Financial/ Grace Modern Mortgage

Grace Modern Mortgage is known for clear communication and accurate upfront numbers that help clients avoid surprises at closing. The team specializes in preparing mortgage files efficiently, often closing loans in about three weeks. Customers appreciate their responsiveness and straightforward approach, though some note the process can still feel stressful, as with any home purchase.

Services & Prices
Mortgage Approval Assistance Quoted per loan
Financial Profile Analysis Quoted per loan
Property Listing $300 - $800
Home Staging Assistance $500 - $1500
View Profile
(954) 945-8694
Open 10:00 AM - 6:00 PM
11820 Miramar Pkwy S4 207, Miramar, FL 33025
General Services
Mortgage Brokerage
7

Dream House Mortgage

With over 27 years of experience and access to more than 50 lenders, Dream House Mortgage offers personalized financing solutions for buyers, investors, and those refinancing. Their services include a variety of loan programs and bilingual support in English, Spanish, and Chinese. Customers appreciate their clear communication and fast, responsive service throughout the mortgage process.

Services & Prices
Home Purchase Mortgage Quoted per loan
Refinancing Assistance Quoted per loan
FHA Loans Quoted per loan
View Profile
(305) 330-4970
Open 9:00 AM - 5:30 PM
2501 SW 160th Ave #300, Miramar, FL 33027
General Services
Mortgage Services
8

Hometown Home Loans, LLC

With over two decades of experience, Hometown Home Loans, LLC focuses on guiding buyers through financial assistance programs for home purchases. The team provides clear, informative support to both realtors and clients, making the mortgage process more approachable. Some customers note the thoroughness can require patience, but many appreciate the detailed guidance.

Services & Prices
Purchase Mortgages Quoted per loan
Refinancing Quoted per loan
Pre-Approval Quoted per loan
View Profile
(954) 589-0917
Open 9:00 AM - 6:00 PM
12074 Miramar Pkwy, Miramar, FL 33025
General Services
Mortgage Services
9

South Florida Quality Mortgage Corp

With over 24 years of experience as a direct lender and mortgage broker, South Florida Quality Mortgage Corp offers a broad range of loan programs for residential, commercial, and investment properties. Their team handles everything in-house, helping clients navigate complex financing with access to more than 50 wholesale banks. Customers appreciate their thoroughness and ability to close deals… more...

With over 24 years of experience as a direct lender and mortgage broker, South Florida Quality Mortgage Corp offers a broad range of loan programs for residential, commercial, and investment properties. Their team handles everything in-house, helping clients navigate complex financing with access to more than 50 wholesale banks. Customers appreciate their thoroughness and ability to close deals efficiently.

View Profile
(954) 455-7625
Open 9:00 AM - 5:00 PM
12781 Miramar Pkwy #303, Miramar, FL 33027
10

Florida Grown Mortgage

Florida Grown Mortgage specializes in fast, smooth closings, often completing loans in under two weeks. The team assists first-time buyers and experienced clients alike, guiding them through each step with clear information and competitive pricing. Customers appreciate their responsiveness and ability to resolve issues quickly throughout the process.

View Profile
(305) 722-7667
Open 7:00 AM - 7:00 PM
3150 SW 114th Ter, Miramar, FL 33025

Miramar Mortgage Statistics

Home-purchase lending in Broward County and home costs in Miramar, 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 Miramar, the median home is worth $462,700 and 66% of owners have a mortgage, paying a median $2,523 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
$462,700FL $359,000
Monthly cost with a mortgage
$2,523median · 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
66% · 42% of them spend 30%+ of income on housing
Median household income
$89,125 (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.

Miramar Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Mortgage Chicks 5.0 100 Quoted per loan (305) 228-7600 —
2 Elite Lending LLC 5.0 300 Quoted per loan (786) 703-1989 Visit
3 EZ Funding Group 5.0 133 Quoted per loan (954) 318-1100 Visit
4 Primary Residential Mortgage, Inc. 4.8 79 Quoted per loan (954) 239-4515 Visit
5 Richard Ruble - VanDyk Mortgage Corporation 4.9 61 Quoted per loan (954) 895-2310 Visit
6 Grace Modern Financial/ Grace Modern Mortgage 5.0 41 $200 (954) 945-8694 Visit
7 Dream House Mortgage 4.7 35 Quoted per loan (305) 330-4970 Visit
8 Hometown Home Loans, LLC 5.0 31 Quoted per loan (954) 589-0917 Visit
9 South Florida Quality Mortgage Corp 5.0 3 — (954) 455-7625 Visit
10 Florida Grown Mortgage 5.0 3 — (305) 722-7667 Visit

How this Miramar 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

10 questions
How does the mortgage affordability calculator work?
It estimates the highest home price you can qualify for based on income, debts, down payment, interest rate, and first-time buyer status.
How accurate is a mortgage affordability calculator?
It's an estimate. A pre-approval confirms accuracy by verifying income, debts, credit, and down payment.
What is the debt-to-income ratio for mortgages?
Lenders typically cap housing costs at 31% and total debt at 43% of gross monthly income.
What is the minimum down payment for a mortgage in Florida?
It's 3% for conventional first-time buyer loans and 3.5% for FHA loans. VA and USDA loans may allow 0% down for eligible buyers.
How do interest rates affect mortgage affordability?
Higher rates increase monthly payments, reducing the home price you can afford. Rates change weekly.
How do debts impact how much mortgage I can get?
Higher monthly debts reduce the amount you can borrow, as lenders consider total debt payments.
What are property taxes like in Florida?
Property tax is about 0.76% of the home's value annually, based on the 2024 average for owner-occupied homes.
What's the difference between pre-approval and pre-qualification?
Pre-approval is a verified estimate of borrowing power; pre-qualification is an initial estimate without verification.
What does a mortgage broker do?
A mortgage broker helps find and negotiate home loans, comparing offers from multiple lenders.
How much house can I afford on a 100k salary in Miramar?
Use the calculator to estimate based on your income, debts, and down payment. A pre-approval confirms your borrowing power.

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