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Review Keywords Analysis

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

Mortgage Affordability Calculator Pembroke Pines, FL

How much house can you afford in Pembroke Pines? 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 Pembroke Pines

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

1

PRMG

Licensed in 49 states and Washington D.C., PRMG offers a wide range of mortgage options including government-backed and jumbo loans. Customers appreciate the team’s clear communication and efficient process, though some may find the extensive loan choices a bit overwhelming at first. The company also supports community causes through its nonprofit foundation.

View Profile
(786) 543-5388
Open 9:00 AM - 5:30 PM
2000 NW 150th Ave Ste 1102, Pembroke Pines, FL 33028
2

Surefire Mortgages

Surefire Mortgages is known for its patient and clear communication throughout the mortgage process. The team helps clients navigate home financing with attentive guidance, often closing deals quickly. Customers appreciate the supportive approach, though some note the process requires patience.

Services & Prices
Home Purchase Loan Quoted per loan
Refinancing Quoted per loan
Mortgage Pre-Approval Quoted per loan
View Profile
(954) 862-2213
Open 10:00 AM - 5:00 PM
9000 Sheridan St, Pembroke Pines, FL 33024
General Services
Mortgage Services
3

Family Home Loans, Inc

Family Home Loans, Inc. is known for its personalized approach and highly responsive team, helping clients navigate home financing with clear guidance and a user-friendly online platform. They assist with home purchases and refinancing, often receiving praise for their communication and support throughout the mortgage process. Some clients note occasional delays but appreciate the team’s… more...

Family Home Loans, Inc. is known for its personalized approach and highly responsive team, helping clients navigate home financing with clear guidance and a user-friendly online platform. They assist with home purchases and refinancing, often receiving praise for their communication and support throughout the mortgage process. Some clients note occasional delays but appreciate the team’s thoroughness and care.

Services & Prices
Mortgage Pre-Approval Quoted per loan
Refinancing Solutions Quoted per loan
View Profile
(954) 392-8064
Open 9AM - 6PM
12223 Sheridan St, Pembroke Pines, FL 33026
General Services
Home Loan Services
4

United Mortgage of Florida

United Mortgage of Florida works with a wide network of banks to offer mortgage loans tailored to homebuyers. The team is known for being knowledgeable, responsive, and communicative throughout the often complex loan process. Some clients note the experience can take time, but appreciate the guidance and support provided.

Services & Prices
Mortgage Pre-Approval Quoted per loan
Rate Comparison Quoted per loan
Loan Packaging Quoted per loan
Loan Placement Quoted per loan
View Profile
(305) 741-2772
Open 9:00 AM - 7:00 PM
18503 Pines Blvd Ste 310, Pembroke Pines, FL 33029
General Services
Mortgage Lending
5

America Home Loans

America Home Loans focuses on making mortgage and refinancing processes straightforward and accessible through knowledgeable, patient agents who guide clients step-by-step. The team uses modern technology to streamline applications and consistently helps customers secure competitive rates. Some clients note the process can take time, but the clear communication is appreciated.

Services & Prices
Mortgage Refinancing Quoted per loan
Home Loan Approval Assistance Quoted per loan
Investment Property Financing Quoted per loan
First-Time Homebuyer Programs Quoted per loan
View Profile
(954) 433-6168
Open 8:30 AM - 8:00 PM
2250 NW 136th Ave Ste 117, Pembroke Pines, FL 33028
General Services
Mortgage Services
Where they are 10 on the map Click a pin for the profile and directions
6

VMB Loans | Mortgage Broker in Miami | NMLS 2522538

Licensed under NMLS 2522538, VMB Loans specializes in guiding clients through complex mortgage and refinancing situations, including reverse mortgage conversions. The team offers personalized support and clear communication, often helping with legal and financial details alongside trusted local professionals. Customers appreciate their responsiveness and thorough approach throughout the loan… more...

Licensed under NMLS 2522538, VMB Loans specializes in guiding clients through complex mortgage and refinancing situations, including reverse mortgage conversions. The team offers personalized support and clear communication, often helping with legal and financial details alongside trusted local professionals. Customers appreciate their responsiveness and thorough approach throughout the loan process.

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(786) 216-2377
Open 7:00 AM - 9:00 PM
15800 Pines Blvd Ste 300 PMB# 3246, Pembroke Pines, FL 33027
7

David Armas - Lending Haus

Known for clear communication and staying ahead of deadlines, the team at Lending Haus guides clients through mortgage transactions with professionalism and attention to detail. They assist with various lending needs, consistently providing patient support and quick responses. Customers appreciate their helpfulness, though the process can still feel complex at times.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Services Quoted per loan
Pre-Approval Services Quoted per loan
View Profile
(786) 897-4703
Open 00:00 - 23:59
18501 Pines Blvd Ste 106, Pembroke Pines, FL 33029
General Services
Mortgage Services
8

Florida Choice Mortgage Corp.

With over 28 years of experience, Florida Choice Mortgage specializes in guiding clients through a variety of home financing options, including specialized loans for doctors, veterans, and foreign nationals. The team is known for clear communication and fast processing, though some clients note they prefer consistent availability throughout the process.

Services & Prices
Refinancing Assistance Quoted per loan
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(954) 447-9060
Open 9:00 AM - 6:00 PM
15800 Pines Blvd Ste 3100, Pembroke Pines, FL 33027
General Services
Mortgage Services
9

Jessica Herbert - Paramount Residential Mortgage Group, Inc

Known for a notably fast average closing time of just 10 days, Jessica Herbert at Paramount Residential Mortgage Group, Inc. offers mortgage services tailored to first-time buyers, refinancing, and debt consolidation. Clients appreciate the clear communication and steady guidance throughout the process, though some note occasional stress typical of loan procedures.

Services & Prices
Financing Options Review Quoted per loan
Refinancing Assistance Quoted per loan
Investment Property Financing Quoted per loan
View Profile
(609) 713-3998
Open 00:00 - 23:59
2000 NW 150th Ave Ste 1105, Pembroke Pines, FL 33028
General Services
Property Financing
10

First World Lending, LLC

First World Lending, LLC is known for making challenging home loans possible, often helping clients who struggled elsewhere. The team offers mortgage brokering with clear communication and responsive support throughout the process. Customers appreciate their professionalism and how smoothly they guide borrowers from application to closing.

Services & Prices
First-Time Home Buyer Assistance Quoted per loan
Home Equity Loans Quoted per loan
Conventional Mortgage Loans Quoted per loan
View Profile
(954) 302-2550
Open 9:30 AM - 5:30 PM
9050 Pines Blvd Ste 450-11, Pembroke Pines, FL 33024
General Services
Home Lending

Pembroke Pines Mortgage Statistics

Home-purchase lending in Broward County and home costs in Pembroke Pines, 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 Pembroke Pines, the median home is worth $439,500 and 57% of owners have a mortgage, paying a median $2,539 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
$439,500FL $359,000
Monthly cost with a mortgage
$2,539median · 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
57% · 38% of them spend 30%+ of income on housing
Median household income
$85,104 (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.

Pembroke Pines Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 PRMG 5.0 573 — (786) 543-5388 Visit
2 Surefire Mortgages 5.0 164 Quoted per loan (954) 862-2213 Visit
3 Family Home Loans, Inc 5.0 103 Quoted per loan (954) 392-8064 Visit
4 United Mortgage of Florida 5.0 91 Quoted per loan (305) 741-2772 Visit
5 America Home Loans 5.0 64 Quoted per loan (954) 433-6168 Visit
6 VMB Loans | Mortgage Broker in Miami | NMLS 2522538 5.0 59 — (786) 216-2377 Visit
7 David Armas - Lending Haus 5.0 49 Quoted per loan (786) 897-4703 Visit
8 Florida Choice Mortgage Corp. 5.0 48 Quoted per loan (954) 447-9060 Visit
9 Jessica Herbert - Paramount Residential Mortgage Group, Inc 5.0 39 Quoted per loan (609) 713-3998 Visit
10 First World Lending, LLC 5.0 37 Quoted per loan (954) 302-2550 Visit

How this Pembroke Pines 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?
The calculator estimates home affordability using income, debts, down payment, interest rate, and Pembroke Pines property tax. It calculates the maximum home price you might qualify for.
How accurate is the Pembroke Pines mortgage affordability estimate?
The estimate is based on general guidelines and assumptions. For an exact figure, a lender must verify your income, debts, and credit through pre-approval.
What is the debt-to-income ratio for mortgages in Florida?
Lenders typically cap housing costs at 31% and total debt at 43% of gross monthly income. Some loans may allow higher ratios with strong credit.
What is the minimum down payment for a home in Pembroke Pines?
First-time buyers can put down as little as 3% on conventional loans and 3.5% on FHA loans. VA and USDA loans may allow 0% down.
How does PMI affect my mortgage in Florida?
With less than 20% down on a conventional loan, PMI is required, costing about 0.6% of the loan annually. It can be removed once the loan balance is below 80% of the home's value.
How do interest rates impact my mortgage affordability?
Higher interest rates increase monthly payments, reducing the maximum home price you can afford. The calculator uses a starting rate of 7.40% for estimates.
How do my debts affect my mortgage qualification?
Higher monthly debt payments reduce the amount you can borrow, as lenders limit total debt payments to 43% of gross monthly income.
What are property taxes like in Pembroke Pines, Florida?
Property taxes in Florida average about 0.76% of the home's value annually. This affects your monthly mortgage payment calculation.
What's the difference between mortgage pre-approval and pre-qualification?
Pre-qualification is an initial estimate of what you can afford. Pre-approval involves lender verification of your financials for a more accurate figure.
What does a mortgage broker do?
A mortgage broker helps you find and apply for a mortgage by connecting you with lenders and assisting with paperwork.

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