Town of Davie · live Broward pricing
Today’s Davie Mortgage Rates
Live rates for Davie homes, from gated subdivisions to horse properties on acreage, compared across many wholesale lenders. On rural properties the right lender matters as much as the rate, and we find both.
See Live Davie Mortgage Rates And Closing Costs!
$531 lender credit
$531 lender credit
$544 lender credit
$829 lender credit
$1,482 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.
Most lenders publish the same kind of rate for the same kind of loan. Where they differ is in what they are willing to finance and how they price it. In Davie, with its two-acre ranches, barns and private wells sitting a few miles from tract homes and townhomes, that difference is everything. On Mortgage finds lenders comfortable with your specific property, then compares their rate, points and fees side by side.
Price your purchase in the Broward rate finder, or see how our Davie mortgage broker team approaches horse properties and college-area homes.
Davie Mortgage Rates Today: Unlock the Best Deals for Your Home Loan
For a standard Broward home with a fifth down and excellent credit, today’s (11/8/2026) par 30-year fixed is 6.625%.
On a Davie subdivision home, your rate will track that benchmark closely, adjusted for credit and down payment. On a rural property, three extra questions come into play before pricing:
- Land-to-value. When the land is a large share of the appraised value, some lenders decline or price higher. Others accept it routinely.
- Use of the property. A home with horses for your family is residential. A boarding or training business can push the loan toward agricultural or commercial financing, priced very differently.
- Comparable sales. Appraisers need recent sales of similar acreage properties. Thin comps can delay a loan, so we choose appraisers who know Davie and Southwest Ranches.
Answer those correctly and a Davie horse property can carry the same rate as any other home.
Davie Refinance Rates: Refinancing Your Home for Better Terms
0.250 points
$531 lender credit
$544 lender credit
$829 lender credit
0.056 points
Rate-and-term refinance pricing for a Broward single-family primary residence with 20% equity and 780+ credit. Acreage, jumbo and cash-out refinances price differently. Price your own Davie scenario, no credit pull.
Davie owners refinance for the usual reasons, a lower rate or the end of mortgage insurance, and for some that are more local. Owners of larger properties often use a cash-out refinance to build a barn, fence pastures or add a guest house, which can raise the property’s value as well. Owners who bought with a portfolio or jumbo loan because of acreage sometimes find a better-priced conventional lender later.
A permitted improvement adds value; an unpermitted one can complicate the appraisal, so we plan the work and the financing together. Run the numbers with our refinance calculator and see the options on our refinance page.
Davie 30-Year Mortgage Rates: Long-Term Stability for Homebuyers
Most Davie buyers choose a 30-year fixed, and the bigger question is which loan program sits underneath it. For a buyer at the Davie median with a 720 credit score, here is today’s live comparison of the three main 30-year options for buyers who are not putting 20% down:
| $520,000 purchase, 720 credit | Conventional, 5% down | FHA, 3.5% down | VA, 0% down |
|---|---|---|---|
| Down payment | $26,000 | $18,200 | $0 |
| Loan amount | $494,000 | $510,582 (includes 1.75% upfront MIP) | $531,180 (includes 2.15% funding fee) |
| Today’s rate | 7.000% | 6.250% | 6.125% |
| Principal and interest | $3,287/mo | $3,144/mo | $3,228/mo |
| Mortgage insurance | $272/mo PMI | $230/mo MIP | None |
| Total before taxes and insurance | $3,558/mo | $3,374/mo | $3,228/mo |
| Mortgage insurance ends | When you reach 20% equity (cancellable) | Usually lasts the life of the loan with under 10% down | Never charged; fee waived with a service-connected disability |
Live 30-year pricing for a Broward primary residence at the Davie median. The VA figures assume a first-time user with nothing down; PMI and MIP are estimates based on today’s premium schedules. Taxes, insurance and HOA dues are additional.
At a 720 score, conventional mortgage insurance is relatively affordable and can be cancelled later, which narrows FHA’s advantage. For veterans, VA remains the standout.
Davie Best Mortgage Lenders: Your Trusted Partner in Home Financing
| Davie property | Lender we look to first | Why |
|---|---|---|
| Acreage with barns and paddocks | Lenders with flexible land-to-value guidelines | They accept rural appraisals that others reject |
| Equestrian estate above the conforming limit | Jumbo and portfolio lenders | Larger loans on unique properties |
| Gated subdivision home | Agency conventional lenders | Best pricing on standard homes |
| Townhome near the college campuses | FHA, conventional or DSCR lenders | Depends on whether you live there or rent it |
| Self-employed trainer or contractor | Bank statement lenders | Qualify on deposits instead of tax returns |
Davie FHA Loan Rates: Affordable Homeownership Solutions
FHA offers 3.5% down, gift funds and flexible credit, and works well across Davie’s subdivisions and townhome communities. On rural properties, FHA appraisals look closely at private wells and septic systems, which must meet FHA standards and sometimes need testing or repairs before closing.
FHA loans are also capped at the Broward FHA limit, which covers most Davie homes near the median but not the larger estates. Our Davie FHA loan page covers the limit, mortgage insurance and property standards.
Find the Best Davie Mortgage Rates with On Mortgage
Horse trails, big parks and a half-rural, half-suburban layout give Davie a character all its own in Broward County. On Mortgage offers competitive Davie rates and loans suited to every kind of property in town.
Davie’s Housing Market at a Glance
The median Davie sale was about $520,000 in mid-2026, and homes averaged roughly 100 days on the market, longer for rural properties with fewer potential buyers. That pace gives buyers time for the extra inspections acreage requires. We track Davie rates every day so you can lock the strongest option.
Experience Davie’s Equestrian Lifestyle
Bridle paths along the canals, backyards with paddocks and a rodeo arena downtown set the tone in Davie. Whether you are buying acreage or a home in a gated community, On Mortgage makes sure you get competitive pricing for your situation.
Long Lake Ranches
Acreage properties with room for horses and barns, where land-to-value and comps matter most.
Shenandoah & Forest Ridge
Larger homes and lots in established communities, some with equestrian access.
Downtown Davie
A western-themed town center with a rodeo arena, close to older homes and the college campuses.
Taxes and insurance on a Davie home
Davie is inland, away from storm surge, but shares Broward’s high average homeowners premium, and larger homes with barns and outbuildings need more coverage. Here is the escrow on a homesteaded home at the Davie median. Acreage properties may also have agricultural classification questions on their tax bill; ask the property appraiser before you buy.
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 Mortgage Rates?
Davie’s housing market is projected to grow about 3% over the next year, supported by steady demand for space and privacy close to the city. Rates will follow national markets, so no one can promise where they go next. What a Davie buyer can control is the loan: the right program, the right lender for the property and a lock timed to the closing date.
With values rising modestly and rural properties in short supply, locking a rate you are comfortable with on the right home is a sound plan, with a refinance available later if rates fall. On Mortgage helps buyers and investors secure the best Davie rates for the long term.
Why Choose On Mortgage for the Best Davie Mortgage Rates?
The right rate is the key to getting the most from a Davie purchase. Here is why buyers choose On Mortgage:
Competitive mortgage rates for spacious homes
From lenders that accept acreage and larger lots without a penalty.
FHA loans with low down payment options
For subdivision homes and townhomes, with well and septic standards handled up front.
VA loans for veterans and military families
Nothing down, no PMI; see Davie VA rates.
Jumbo loans for equestrian and luxury properties
For estates above the conforming limit; see Davie jumbo rates.
Refinancing solutions to secure lower mortgage rates
Including cash-out for barns, fencing and permitted improvements.
A smooth process
We help Davie buyers and investors secure the right rate without the stress of chasing lenders.
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 rates: your questions
Do Davie horse properties get higher mortgage rates?
Not necessarily. If the property is primarily a residence and the appraisal is supported by similar sales, many lenders price it like any other home. Rates and down payments can rise when the land is a very large share of the value, when there are few comparable sales or when the property generates agricultural income. Choosing the right lender avoids most of that.
Is VA or FHA better for a Davie home?
For eligible veterans, VA usually costs less: no down payment and no monthly mortgage insurance. For other buyers, FHA tends to win at lower credit scores and conventional at higher ones. The comparison on this page uses today’s live rates at the Davie median for a 720 score.
Can I refinance to build a barn on my Davie property?
Yes, a cash-out refinance can fund improvements like a barn, fencing or a workshop. Plan permits before the work, because permitted improvements add value in future appraisals while unpermitted ones may not. Some owners use a home equity line instead to keep their existing first mortgage rate.
What are Davie’s mortgage rates expected to do?
No one can predict rates reliably. Davie home values are projected to grow about 3% over the next year. A practical plan is to buy at a payment you are comfortable with, lock when you have a contract, and refinance later if rates fall enough to cover the costs.
Do I need special inspections for a well and septic in Davie?
Often. FHA and VA have specific standards for private water and septic systems, and plenty of conventional lenders order a water quality test whenever the appraiser notes a well. Even when no lender asks, having the septic tank pumped and inspected is cheap insurance. Schedule both during your inspection period.
More for Davie borrowers
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Contact On Mortgage for the Best Davie Mortgage Rates
Looking to buy or refinance in Davie? Contact On Mortgage today to explore the best Davie mortgage rates and financing options, and let us help you secure the right loan for your property.