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Live Broward County pricing · updated 11/9/2026
Fort Lauderdale Mortgage Rates
From Las Olas waterfront to downtown condos, today’s live Fort Lauderdale rates, shopped across many wholesale lenders and shown with every point, credit and fee spelled out.
Today’s Fort Lauderdale Mortgage Rates
0.125 points
No points, no credit
$374 lender credit
$672 lender credit
$1,577 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 Fort Lauderdale scenario, no credit pull.
Fort Lauderdale Mortgage Rates Today: From Downtown Condos to Las Olas Waterfront
Fort Lauderdale covers a wide market. Single-family homes commonly trade near $700,000, condos land in the mid-$400,000s, and the yacht-lined waterfront of the Las Olas Isles and Rio Vista reaches into the millions. Each of those prices differently: condos through the lens of the building, waterfront homes through jumbo lenders, and single-family homes on the standard conforming grids.
For reference, today’s par rate on a 30-year fixed for a Broward single-family primary residence with 20% down and a 780 score is 6.625%, and our jumbo panel’s 30-year par rate is 6.375%.
With inventory high and buyers holding leverage, this is a strong moment to negotiate, including seller credits that can buy your rate down. On Mortgage prices condos, waterfront homes and refinances across many lenders to secure your best rate.
Points or credit? A live rate ladder for a Fort Lauderdale home
Every rate comes with a price. Below par, you pay points to buy the rate down. Above par, the lender pays you a credit toward closing costs. In a buyer’s market where sellers are offering concessions, that credit can go a long way. Here is today’s ladder for a typical $700,000 single-family purchase with 20% down:
| Rate on a $560,000 loan | APR | Points cost or lender credit | Payment vs. par | Points pay back in |
|---|---|---|---|---|
| 6.375% | 6.517% | You pay $4,900 | $92/mo less | 54 months |
| 6.500% | 6.595% | You pay $2,100 | $46/mo less | 46 months |
| 6.625% | 6.697% | You pay $700 | Same | Not applicable |
| 6.750% | 6.763% | You receive $2,800 | $46/mo more | Not applicable |
| 6.875% | 6.875% | You receive $5,600 | $93/mo more | Not applicable |
Live 30-year fixed pricing from our lender panel for a Broward primary residence, 780+ credit, 30-day lock. Payback is the points cost divided by the monthly savings versus par.
If you expect to keep the loan longer than the payback period, points can be worth buying. If you might sell or refinance sooner, a par rate or a lender credit usually wins. Seller concessions can pay for points too, which is one of the best uses of a credit in a market like this.
Jumbo & Waterfront Financing on the Las Olas Isles
Waterfront and luxury purchases in the Las Olas Isles, Rio Vista and Coral Ridge routinely require jumbo financing. Jumbo pricing is set by each lender, not by an agency grid, so the spread between lenders on the same day is wider than on conforming loans, and shopping several is where the savings are.
On Mortgage works with jumbo and portfolio lenders comfortable with high-value waterfront collateral and deep-water dockage, and with interest-only structures for buyers who want to keep cash flow flexible. Many also work with self-employed and international buyers who need flexible income documentation. Waterfront appraisals weigh canal width, ocean access and bridge clearance, so we order through appraisers who know the Isles.
See our Fort Lauderdale jumbo mortgage rates page for reserves, down payments and adjustable-rate options.
Condo Buyers: Navigating Supply, Assessments & Warrantability
Fort Lauderdale’s condo market carries a real supply glut, approaching roughly eleven months of inventory. That means negotiating room, and also more scrutiny. Post-Surfside reserve and recertification laws are driving special assessments and higher dues in older buildings, and conventional lenders only finance warrantable projects.
For your rate, the building matters in three ways. A warrantable building gets conventional pricing, with a condo adjustment if you put less than 25% down. A non-warrantable building needs a portfolio lender with higher rates and more down. And higher dues reduce how much you can borrow, because lenders count them in your ratios. On Mortgage vets the association’s reserves and assessments before you commit.
Explore FHA options in Fort Lauderdale for approved buildings, or work with a Fort Lauderdale mortgage broker on your search.
Fort Lauderdale refinance rates today
$531 lender credit
No points, no credit
$374 lender credit
$672 lender credit
0.049 points
Rate-and-term refinance pricing for a Broward single-family primary residence with 20% equity and 780+ credit. Cash-out and condo refinances price differently. Price your own Fort Lauderdale scenario, no credit pull.
When a Fort Lauderdale refinance makes sense
A refinance is worth it when the savings cover the closing costs before you would sell or refinance again. In Fort Lauderdale, three situations come up most often. Owners who bought with a higher rate can lower their payment. Owners whose building has completed its required repairs can sometimes move from a portfolio loan into conventional pricing. And owners with equity often take cash out for a roof, impact windows or a seawall, upgrades that can also lower insurance.
Our refinance calculator shows your break-even month, and the refinance page explains cash-out limits.
What taxes and insurance add to a Fort Lauderdale payment
In Broward County, insurance can move your payment as much as the rate. The county’s average homeowners premium is among the highest in Florida, waterfront homes add flood coverage, and condo owners carry the building’s insurance through their dues. Here is the escrow on a homesteaded home at the Fort Lauderdale 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.
Our Reviews
What Florida borrowers say after closing with On Mortgage. Five stars on Google (130 reviews) and Zillow (92 reviews).
“I am a first time home buyer, so all of this was new to me. Caroline helped me every step of the way. I’m so grateful, because of her it was possible to own this house that I am so excited to create into my home. I would definitely work with you again for any future business.”
“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.”
Fort Lauderdale Mortgage Rates: Frequently Asked Questions
What are today's Fort Lauderdale mortgage rates?
Live rates are shown at the top of this page and update throughout the day; today’s par 30-year fixed for a Broward single-family primary residence with 20% down and top credit is 6.625%. Your rate depends on your loan amount, home value and credit, and on whether you are buying a condo, a single-family home or a waterfront property.
Do I need a jumbo loan in Fort Lauderdale?
Often, yes, for waterfront and luxury homes in the Las Olas Isles, Rio Vista and Coral Ridge, where loan amounts exceed the Broward conforming limit. On Mortgage works with jumbo and portfolio lenders comfortable with high-value waterfront collateral and deep-water dockage, and compares their pricing for you.
Is it a good time to buy a Fort Lauderdale condo?
There is a real condo supply glut, approaching eleven months of inventory, which gives buyers negotiating room on price, assessments and closing costs. But post-Surfside reserve rules are driving special assessments in older buildings, so we vet the association’s reserves, inspections and warrantability before you commit.
Can you finance self-employed or international buyers?
Yes. We work with lenders that offer bank statement and asset-based documentation for self-employed buyers, and foreign national programs for buyers without U.S. credit, both common in the Fort Lauderdale market. Pricing differs from agency loans, so we compare several lenders in each category.
Can I refinance my Fort Lauderdale home?
Yes. Whether you want a lower rate, to remove mortgage insurance, to move from a portfolio loan to conventional once your building qualifies, or to take cash out, we compare your options against today’s rates and show the break-even month before you decide.
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