Miramar, Florida · South Broward
Miramar Mortgage Broker
Miramar sits right on the Broward and Miami-Dade line, so it draws buyers who work in both counties and want more house for the money. On Mortgage compares a large network of wholesale lenders for every kind of Miramar purchase, from a first townhome in the east to a lakefront home in the west.
Your Trusted Miramar Mortgage Broker: On Mortgage
Miramar is a growing city known for family-friendly neighborhoods, a wide range of housing and a location halfway between Miami and Fort Lauderdale. At On Mortgage, we build personalized mortgage financing to help Miramar residents and investors reach their real estate goals.
Miramar is really two markets. East of the Florida Turnpike and University Drive, neighborhoods built from the 1950s through the 1980s offer some of the most affordable single-family homes and townhomes in South Broward. West toward I-75 and the Everglades, newer master-planned communities with lakes, clubhouses and gates were built mostly from the 1990s on. The loan that fits one side of the city is often not the best fit for the other, and part of our job is knowing the difference.
See today’s Miramar mortgage rates, or price a purchase in the Broward County rate finder. No credit pull to look.
Miramar rates today across our lender panel
0.162 points
No points, no credit
0.125 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 Miramar scenario, no credit pull.
Miramar’s Mortgage Broker Offering the Lowest Rates
We specialize in Miramar residential mortgages.
The rate on your loan depends on who you ask. Banks, credit unions and online lenders all price the same borrower differently, and wholesale lenders compete hard for loans that come through brokers. On Mortgage sends your one application to many of them and lays the offers out side by side so you can compare rate, points and fees honestly.
In Miramar we often price two or three loan types for the same buyer: an FHA loan, a conventional loan with 3% to 5% down, and, for veterans, a VA loan with nothing down. The cheapest rate is not always the cheapest loan once mortgage insurance and fees are counted, so we show you the full monthly payment for each.
Miramar’s Housing Market at a Glance
As of mid-2026, the median sale price in Miramar is around $535,000, and homes typically take about 99 days to sell. With homes staying on the market for a few months, buyers can compare neighborhoods and negotiate. Here is how the city breaks down:
West Miramar planned communities
Silver Shores, Riviera Isles, Monarch Lakes, Sunset Lakes and Vizcaya: newer homes on lakes, many gated, with clubhouses and pools. Conventional loans dominate, larger homes can reach jumbo size, and HOA dues belong in the budget.
Central Miramar
Miramar Isles, Huntington and neighborhoods near the Miramar Town Center and city hall offer established single-family homes and townhomes, a natural fit for move-up and first-time buyers alike.
East Miramar
Smaller mid-century homes and townhomes at the city’s most accessible prices. FHA, VA and purchase assistance programs are common here, and older roofs mean an early four-point inspection.
Country Club Ranches
Larger lots with room for horses, boats and big additions. Lenders may ask about wells, septic systems and outbuildings, and the appraisal relies on a small pool of similar homes.
Townhomes and condos
Plenty of townhome communities across the city, some legally condominiums. Association review and FHA approval status come first.
Rentals
Steady demand from commuters keeps single-family rentals busy. Where the HOA allows leasing, a DSCR loan underwrites the rent rather than your income.
First-time buyers in Miramar: putting the programs together
Miramar is one of the places in South Florida where first-time buyers can still find single-family homes and townhomes within reach, and the right combination of programs can make a big difference.
FHA allows 3.5% down with a 580 credit score and accepts gift funds from family. Conventional loans can go as low as 3% down for first-time buyers, with mortgage insurance that cancels as you build equity. VA loans need no down payment at all for eligible veterans.
On top of the loan, purchase assistance from Broward County and some cities can help with the down payment and closing costs for buyers within income limits, usually as a deferred or forgivable second loan. Funding comes and goes, and each program has its own rules about the home and the buyer, so we check what is open when you apply. Finally, in a market where homes take months to sell, asking the seller to cover part of your closing costs is often realistic.
A Family-Friendly Lifestyle
Miramar’s schools, numerous parks and active community make it a strong choice for families. Whether you are upgrading to a larger home or relocating, On Mortgage is your trusted Miramar mortgage broker, with financing tailored to your needs.
Parks and recreation
Miramar Regional Park, community centers, sports fields and lakes throughout the western communities give families plenty to do close to home.
An easy commute both ways
I-75, the Turnpike and I-95 put Miami, Fort Lauderdale and the airports within reach, which is why so many two-income households with jobs in different counties settle here.
Jobs in town
Corporate offices along the Miramar Parkway business corridor, Memorial Hospital Miramar and the city’s own town center add local employment as well.
What insurance and taxes add to a Miramar payment
Miramar is inland, so storm surge is not a factor, but it shares Broward County’s high average homeowners premium. Newer homes in the western communities, built to current wind codes with impact glass, usually come in below the county figure, while older homes east of University Drive may come in above it until the roof is replaced. Some lakefront and low-lying areas are in flood zones, so check each address. Here is the escrow on a homesteaded home at the Miramar 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 Miramar Real Estate?
Miramar’s real estate market is forecast to grow by about 3.8% in the coming year, thanks to its location and its appeal to both families and professionals. With little land left to develop in the western communities, the supply of newer homes is limited, which supports their values. East Miramar continues to attract first-time buyers priced out of nearby cities.
A market where homes take a few months to sell and values are still rising is a reasonable one for buyers who are ready. On Mortgage provides the advice and the lender options to help you stay ahead, and our refinance team is here if rates improve after you buy.
Why Choose On Mortgage as Your Miramar Mortgage Broker?
From a first home with down payment assistance to a lakefront home in a gated community, OnMortgage has the loan programs Miramar buyers use:
- FHA loans with 3.5% down and gift funds allowed
- Conventional loans, as little as 3% down on a first home
- VA loans for veterans, no down payment
- Zero-down purchase options for qualified buyers
- Jumbo loans for larger homes in the west
- Self-employed loans using bank statements
- DSCR loans for rental properties
Comparing Miramar with Pembroke Pines or Hollywood? See every city we cover on the 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).
“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.”
“Highly recommend working with her! She was professional, courteous, and always on time. She is soft-spoken, extremely knowledgeable, and took the time to answer all of my questions with patience and care. She made the entire mortgage process smooth and stress-free.”
Miramar mortgage broker: your questions
Is there down payment assistance for Miramar home buyers?
Broward County and some cities offer purchase assistance programs for buyers within income limits, usually as deferred or forgivable second loans that help with the down payment and closing costs. Availability depends on funding, and each program has rules about the buyer, the home and the price. We will check what is available when you apply and pair it with the right first mortgage.
What is the difference between buying in east and west Miramar?
East Miramar has older, smaller homes and townhomes at lower prices, popular with first-time buyers using FHA, VA and assistance programs. West Miramar has newer master-planned communities with lakes, clubhouses and HOA dues, at higher prices. Older homes need closer attention to the roof and insurance, while newer communities need careful HOA review.
Can I use gift money for a down payment in Miramar?
Yes. FHA, conventional and VA loans all allow gift funds from family members for the down payment and closing costs, with a signed gift letter and documentation of the transfer. Some programs also accept gifts from other approved sources. Plan the transfer early so the paper trail is clean when underwriting reviews it.
How much are HOA fees in Miramar’s gated communities?
They vary by community and by the amenities included, such as clubhouses, pools, security and landscaping. Underwriters add the dues to your housing expense, so they shrink your buying power. Get the current amount and any upcoming increase or special assessment before you make an offer, and we will build it into your numbers.
Do I need flood insurance in Miramar?
Only if the home is in a FEMA high-risk flood zone and you have a mortgage. Some lakefront and low-lying parts of Miramar are mapped that way, while many neighborhoods are not. Even outside a required zone, flood coverage is often affordable and worth considering after heavy rain events in South Florida.
Why use a Miramar mortgage broker instead of a bank?
Your bank sells its own loan menu, and many retail lenders do not participate in local assistance programs or handle unusual income well. A broker compares many lenders, including those that pair well with down payment assistance, and finds the best combination of rate and fees. You keep one consultant from application to closing.
More for Miramar borrowers
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Contact OnMortgage: Miramar’s Leading Mortgage Broker
Whether it is a first townhome in east Miramar or a lakefront home in Silver Shores, our brokers will compare lenders and guide you through every step. Get a free quote today.