Fort Lauderdale, FL
Your Fort Lauderdale, FL mortgage, done right.
Condo financing, conventional, FHA programs sized to Fort Lauderdale budgets — matched to your Fort Lauderdale file, from Las Olas Isles to every corner of Fort Lauderdale.
Does Choice Home Mortgage work with Fort Lauderdale, FL buyers?
Yes. Choice Home Mortgage arranges home loans for Fort Lauderdale buyers through licensed partner brokers who cover Florida. We are a family-owned broker, in business since 2005 and licensed in California (NMLS #2629064); a licensed partner broker handles the Fort Lauderdale loan while we coordinate it and compare many lenders for it, with owner Esther Buede as your point of contact.
For 2026, a one-unit Fort Lauderdale home can carry a conforming loan of up to $832,750, the Broward County limit FHFA sets, and we check where your Fort Lauderdale price falls before you write an offer. The whole process runs by phone and online.
Inside the Fort Lauderdale mortgage market.
Fort Lauderdale is the seat of Broward County and a services and employment hub between Miami-Dade and Palm Beach, anchored by Port Everglades — one of the busiest cruise ports in the world.
The loan has to fit the Fort Lauderdale picture. Fort Lauderdale’s 2026 conforming ceiling is $832,750, the baseline figure Broward County shares with most of the country. Since typical Fort Lauderdale prices stay under $832,750, a Fort Lauderdale buyer keeps conventional, FHA, and condo financing all in play. As a market, Fort Lauderdale runs solidly middle-of-market. 2026 limits published by FHFA — confirm your exact scenario with us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Fort Lauderdale counts 172,000-plus residents, Las Olas Isles to Flagler Village, with Oakland Park and Lauderhill close enough to house-hunt the same weekend. Our Fort Lauderdale knowledge is street-level — the area around the Las Olas waterfront and Stranahan House included. Las Olas Isles, Victoria Park, Rio Vista, and Flagler Village — we finance homes in each of them, and everywhere else Fort Lauderdale reaches. Typing “broker near me” somewhere in Fort Lauderdale? Phone and online is how Fort Lauderdale files run here — the local read on Fort Lauderdale comes with it. Florida coverage here spans 73 cities, Fort Lauderdale among them — each on its own county limits, each shopped the same way.
How we work Fort Lauderdale loans.
Fort Lauderdale market knowledge
From the Las Olas waterfront and Stranahan House across Las Olas Isles, Victoria Park, Rio Vista, we keep tabs on what Fort Lauderdale homes actually go for and which programs carry them.
Down-payment friendly
The Fort Lauderdale starting lineup is usually condo financing, conventional, FHA; we add whichever down-payment help your Fort Lauderdale budget is eligible for.
Lenders shopped for you
Your Fort Lauderdale file gets shopped across many lenders — a broker working Fort Lauderdale, not one bank's sales desk.
The owner, coordinating
In Fort Lauderdale you get the owner, Esther Buede, coordinating your file personally, with no queue for Fort Lauderdale files.
The owner coordinates your file. Personally.
Every Fort Lauderdale file has one coordinator: owner Esther Buede (individual NMLS #2003644). She’ll know your Fort Lauderdale plans, Victoria Park or anywhere in Fort Lauderdale, and your name from the first call. Meet the family behind CHM →
“Esther made this transition so smooth and seamless for us. This team is amazing and we could not have chosen a better partner in the journey!”
The right Fort Lauderdale loan for your situation.
Around the Las Olas waterfront and Stranahan House, condo financing remains the workhorse of Fort Lauderdale lending. Fort Lauderdale files most often land on condo financing, conventional, FHA through our licensed partner-broker network — and past those, every Fort Lauderdale option gets shopped: conventional, FHA, non-QM, and VA. Step in wherever you are — buying, refinancing your mortgage, or comparing — apply here or call (949) 522-7310.
Fort Lauderdale buyers most often work with conventional, FHA, condo financing.
Fort Lauderdale 1099 and business-owner borrowers get their own path here, qualifying on 1099 income instead of W-2s; Fort Lauderdale investors have DSCR investor loans too. See Broward County’s complete 2026 loan-limit table for the one- through four-unit numbers behind that figure. We serve the wider county too: mortgage help across Broward County.
Beyond Fort Lauderdale itself, Oakland Park, Lauderhill, Plantation buyers work with us the same way. Browse our Florida service areas →
Fort Lauderdale, FL buyers work with us through licensed partner brokers; Choice Home Mortgage is licensed in California (NMLS #2629064). Equal Housing Opportunity. We serve Fort Lauderdale remotely; there is no local Fort Lauderdale office.
What Fort Lauderdale buyers ask us first.
Is there a loan limit for Fort Lauderdale purchases in 2026?
Yes. A conforming loan on a one-unit Fort Lauderdale home can go up to $832,750 in 2026, which is FHFA's limit for Broward County. Broward County uses the $832,750 national baseline, so a larger loan is a jumbo loan, which each lender prices and underwrites under its own rules.
As a first-time buyer in Fort Lauderdale, where do I start?
Start by checking which of conventional and FHA loans you qualify for, since those are the loans first-time buyers in Fort Lauderdale use most. Some conventional programs accept 3% down from first-time buyers. HUD's 2026 FHA limit for one unit in Broward County is $667,000. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules.
Do you cover all of Fort Lauderdale?
Yes, we cover all of Fort Lauderdale, including Las Olas Isles, Victoria Park, Rio Vista and Flagler Village. The neighborhood affects the appraisal, which compares recent nearby sales, but the loan terms come from your credit, income and down payment. FHFA's 2026 one-unit limit for Broward County is $832,750.
Will you take on my Fort Lauderdale, FL purchase?
Yes. We take Fort Lauderdale purchases through licensed partner brokers in Florida and coordinate the loan from the first call. Our own license is California's (NMLS #2629064); we keep no local office, and the file runs by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
What about the towns just past the Fort Lauderdale line?
We cover those too: Oakland Park, Lauderhill and Plantation are in our service area along with Fort Lauderdale. Loan limits are set county by county, so the limit is re-checked for whichever town the home is in. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as a Fort Lauderdale file.
What does the mortgage process look like from Fort Lauderdale?
From Fort Lauderdale, the whole mortgage process runs by phone and online: you apply online, upload documents and get updates as the loan moves. A licensed partner broker in Florida originates the loan, and Choice Home Mortgage (California NMLS #2629064) coordinates it and compares many lenders.
Buying near Fort Lauderdale? We cover that too
Your Fort Lauderdale home is a call away.
Talk to the owner directly. We'll map the right loan for your Fort Lauderdale home and put lenders in competition for Fort Lauderdale business.