Town of Davie · Broward County
Davie Mortgage Broker
A home on two acres with a barn and a riding ring is not financed like a house in a gated subdivision, and Davie has plenty of both. On Mortgage knows which lenders are comfortable with land, horses and outbuildings, and gets competing quotes from wholesale lenders that want those files.
Your Reliable Davie Mortgage Broker: On Mortgage
Known for its equestrian lifestyle, its wide-open parks and a blend of suburban and rural living, Davie is unlike anywhere else in South Florida. On Mortgage arranges the financing that gets you to your homeownership or investment goals here, whatever kind of Davie property you have in mind.
Davie’s variety is its appeal and its lending challenge. Within the same town you will find acre-plus ranch properties on unpaved roads, gated subdivisions with clubhouses, 1970s homes near the college campuses, and townhomes close to the Turnpike. A lender that prices a subdivision home beautifully may balk at an appraisal with three barns and a pasture. We start by matching the property to the lender, then compare price.
Check today’s Davie mortgage rates, or price your own scenario in the Broward County rate finder.
Rates for Davie buyers, live from our lenders
No points, no credit
0.125 points
0.162 points
$672 lender credit
$713 lender credit
Par rate per program for a single-family primary residence in Broward County, 20% down, 780+ credit, 30-day lock, escrows included. Rates change through the day and are not a commitment to lend. Price your own Davie scenario, no credit pull.
Davie’s Mortgage Broker Offering the Lowest Rates
We specialize in Davie residential mortgages.
A low rate is the result of a comparison, and a wholesale broker can make that comparison in a way a single bank cannot. On Mortgage submits your loan to many lenders, sets their quotes side by side and walks you through the trade-offs between rate, points and closing costs.
Larger Davie properties often come with larger loan amounts, sometimes above the Broward County conforming limit. Jumbo lenders vary a great deal in price and in how they view acreage, so comparing several is especially valuable here.
For buyers in Davie’s subdivisions and townhome communities, we compare FHA, conventional and VA options and show you the full monthly payment for each, including mortgage insurance and HOA dues.
Already own in Davie? Our refinance team can lower your rate or take cash out for a barn, a fence line or a new roof.
Davie’s Housing Market at a Glance
As of mid-2026, the median sale price in Davie is around $520,000, and homes typically take about 100 days to sell. That pace leaves room for careful inspections, which matter on rural properties. As your local Davie mortgage broker, On Mortgage fits the loan to the kind of home you choose:
| Property type | Where in Davie | Financing notes |
|---|---|---|
| Acreage and horse properties | Long Lake Ranches and the rural west and southwest of town | Lenders review land-to-value, outbuildings, wells and septic; residential use only, not a working farm |
| Gated subdivisions | Shenandoah, Forest Ridge, Pine Island Ridge and newer communities | Conventional or jumbo; HOA dues in the payment |
| Golf and lake communities | Arrowhead and lakefront neighborhoods | Conventional loans, flood zone checks on lake lots |
| Older single-family homes | Eastern Davie and near downtown | FHA, VA and conventional; roof and plumbing age for insurance |
| Townhomes and condos | Near the Turnpike, University Drive and the college campuses | Association review; FHA approval if using FHA |
Experience Davie’s Equestrian Lifestyle
Davie is known for its horse trails, horse-friendly neighborhoods and a rural feel that is rare this close to Fort Lauderdale. The town’s western-themed downtown, its rodeo arena and miles of bridle paths make it a place where keeping a horse in the backyard is normal. Whether you are buying in a gated community or on acreage, On Mortgage understands what Davie buyers need and arranges loans to match.
How lenders view a horse property. Standard mortgages finance homes, not farms. A Davie property with a barn, paddocks and a riding ring is fine as long as its primary use is residential and it is not producing significant agricultural income. Lenders look at how much of the value comes from the land compared with the house, and the appraiser needs comparable sales with similar acreage.
Outbuildings. Barns, workshops and guest quarters add value, but some lenders give them limited credit. Permits matter, especially for any living space.
Wells and septic. Many rural Davie homes use them. Some loan types require a water test or septic inspection before closing.
Davie’s college corridor
Davie is home to Nova Southeastern University’s main campus and a cluster of college campuses along College Avenue, which bring students, faculty, medical and graduate programs into town. That shows up in the housing market as steady demand for townhomes, condos and small homes near campus.
Faculty and staff relocating to Davie can often qualify on a signed employment contract, and medical professionals may find programs designed for them. Families who want to buy near campus for a student can finance the home as an investment property, often with a DSCR loan that qualifies on the expected rent, or explore options with the student on the loan. Check HOA leasing rules before you buy.
Davie homeowners insurance and property taxes
Being well inland spares Davie from storm surge pricing, but it shares Broward County’s high average premium. Larger homes, barns and outbuildings add to the coverage you need, so get quotes that include them. Low-lying and lakefront areas may require flood insurance. The worked example below assumes a homesteaded home at the town’s median price.
Sources: Florida county homeowners insurance premiums (worthinsurance.com) and county total millage (movewithmomentum.com), updated October 2026. Your own premium depends on the home’s age, roof, construction and wind mitigation features, and flood coverage is a separate policy. Property tax and homeowners insurance are estimates (1.2% and 0.85% of the home’s value per year). Your actual taxes and insurance premium depend on the property, exemptions and the policy you choose, and will be confirmed on your Loan Estimate. Run your own numbers.
What’s Next for Davie’s Real Estate Market?
Forecasts call for Davie values to rise around 3% in the next twelve months, driven by demand for homes with space and privacy that are still close to city amenities. With limited land left in eastern Broward County, properties with real acreage are in short supply, and that scarcity tends to support their value.
Expect continued interest from buyers who want room for horses, boats, workshops or simply distance from the neighbors, along with steady demand from families and university staff in the town’s subdivisions. As your trusted Davie mortgage broker, we help you navigate the market with confidence, now and when it is time to refinance.
Why Choose On Mortgage as Your Davie Mortgage Broker?
In Davie the property often decides the lender, and OnMortgage has lenders for every kind of property in town:
- Conventional loans for subdivision homes and acreage
- Jumbo loans for large homes and estate lots
- FHA loans for first homes and townhomes
- VA loans for veterans, no down payment
- Self-employed programs for trainers, contractors and business owners
- DSCR loans for rentals near the campuses
- Cash-out refinancing for barns, fencing and updates
Also looking at Plantation, Weston or Pembroke Pines? The full list of Florida cities we cover is on our areas we serve page.
Our Reviews
What Florida borrowers say after closing with On Mortgage. Five stars on Google (130 reviews) and Zillow (92 reviews).
“Mike at On Mortgage has been incredible during our mortgage experience. We last minute wanted to move up the date by 2 weeks and he made everything happen very smoothly. They respond very fast to all the questions we had and get everything in order really fast. Will 1000% use your services again!”
“We cannot say enough amazing things about Caroline! As a first-time homebuyer, this was such a huge and exciting milestone for us, and we’re so grateful that we had her by our side throughout the entire process. Caroline was incredibly knowledgeable, patient, responsive, and supportive from beginning to end.”
“Caroline was great. Always responsive and available whenever I needed assistance or had questions. 10/10 would recommend to any veteran or anyone for that matter.”
Davie mortgage broker: your questions
Can I get a regular mortgage on a Davie horse property?
Usually, yes, as long as the property is primarily a residence and not a commercial farm. Lenders look at acreage, how much of the value comes from the land, the outbuildings and whether there are similar sales nearby for the appraisal. Properties with significant boarding or agricultural income may need a different type of loan. We will match you with a lender comfortable with the property.
Do barns and outbuildings count toward the appraised value?
They can, but lenders and appraisers often give them less weight than the house itself, and unpermitted structures can cause problems. A guest house or living space needs proper permits. Bring us the property details early, and we will choose a lender whose guidelines fit before the appraisal is ordered.
Does a Davie home with a well and septic need special inspections?
Sometimes. FHA and VA loans have specific standards for private water and septic, and some conventional lenders ask for a water test when the appraiser notes a well. A septic inspection is a good idea for any buyer. Building these into your inspection period avoids delays at the end.
Can I buy a home near Nova Southeastern for my student?
Yes. You can finance it as an investment property, and a DSCR loan can qualify the home on its expected rent rather than your personal income. In some cases a parent and student can apply together so the home is treated as the student’s primary residence. Check the community’s leasing and occupancy rules first.
How long do Davie homes take to sell?
About 100 days on average as of mid-2026, longer than many South Florida cities. Rural and unique properties can take longer because there are fewer buyers for them. For buyers, that usually means time to inspect thoroughly and room to negotiate on price or closing costs.
Why use a Davie mortgage broker instead of a bank?
Banks tend to have one set of rules for every property, and acreage, outbuildings and wells often fall outside them. A broker compares many lenders and finds one whose guidelines and pricing fit both your finances and your property. That means fewer surprises after the appraisal and a better chance of closing on time.
More for Davie borrowers
Nearby in Broward
Contact OnMortgage: Davie’s Leading Mortgage Broker
From a ranch in Long Lake Ranches to a home in Shenandoah or a townhome near campus, our brokers will compare lenders and guide you through every step. Get a free quote today.