Miramar, Florida · live Broward pricing
Today’s Miramar Mortgage Rates
Live rates for Miramar homes and townhomes, compared across many wholesale lenders, with the options first-time buyers use most, FHA, VA, low down payment conventional and purchase assistance, priced side by side.
See Live Miramar Mortgage Rates And Closing Costs!
$374 lender credit
0.125 points
No points, no 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 Miramar scenario, no credit pull.
Miramar’s Mortgage Broker Offering the Lowest Rates
We specialize in Miramar residential mortgages.
For a Miramar buyer, the lowest rate and the lowest cost are not always the same loan. A loan paired with down payment assistance might carry a slightly higher rate but leave you with thousands more in the bank. An FHA loan might beat conventional on the payment but not on long-term cost. On Mortgage prices each path across many wholesale lenders and shows you the trade-offs plainly.
Check your own scenario in the Broward rate finder, or see how our Miramar mortgage broker team helps first-time buyers put programs together.
Miramar Mortgage Rates Today: Unlock the Best Deals for Your Home Loan
As of 11/9/2026, Broward’s par 30-year fixed for an owner-occupied home with 20% down and excellent credit is 6.625%.
Down payment assistance is one of the best deals available to Miramar first-time buyers, and it affects your first mortgage in ways worth understanding:
- Approved lenders only. County and city assistance programs work with participating lenders, so the first mortgage has to come from one of them.
- Program rules shape the loan. Income limits, purchase price caps, homebuyer education and occupancy requirements all apply.
- The rate can be slightly different. Some assistance pairings carry a small rate premium. The help is often worth far more than the difference, but you should see both numbers.
- Timing matters. Funds are released in rounds, so availability changes during the year.
We check which programs are open when you apply and price the first mortgage with and without assistance.
Miramar Refinance Rates: Refinancing Your Home for Better Terms
$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. FHA streamline, VA IRRRL and cash-out refinances price differently. Price your own Miramar scenario, no credit pull.
Many Miramar homeowners bought with FHA or VA, and those programs each have a streamlined refinance: the FHA streamline and the VA Interest Rate Reduction Refinance Loan. Both allow a lower rate with less paperwork and usually no appraisal, as long as the new loan gives you a real benefit.
Owners in the western communities who bought with conventional loans and less than 20% down may now be close to the equity needed to drop mortgage insurance. If you have an assistance second loan, check its terms before refinancing, since some must be repaid or subordinated. Our refinance calculator and refinance page walk through each option.
Miramar 30-Year Mortgage Rates: Long-Term Stability for Homebuyers
Almost every Miramar first-time buyer chooses a 30-year fixed. The real decision is which program carries it. At the Miramar median, for a buyer with a 700 credit score, today’s live pricing compares as follows:
| $535,000 purchase, 700 credit | Conventional, 5% down | FHA, 3.5% down | VA, 0% down |
|---|---|---|---|
| Down payment | $26,750 | $18,725 | $0 |
| Loan amount | $508,250 | $525,310 (includes 1.75% upfront MIP) | $546,503 (includes 2.15% funding fee) |
| Today’s rate | 7.375% | 6.250% | 6.125% |
| Principal and interest | $3,510/mo | $3,234/mo | $3,321/mo |
| Mortgage insurance | $330/mo PMI | $237/mo MIP | None |
| Total before taxes and insurance | $3,841/mo | $3,471/mo | $3,321/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 |
Engine pricing for a Broward owner-occupied home at the Miramar median; VA shown for a first-time user with no money down. Monthly insurance figures are estimates from current premium tables. Dues, taxes and homeowners insurance are extra.
FHA loans must fit under the Broward FHA limit, and conventional loans must fit under the conforming limit; most Miramar homes near the median fall within both.
Miramar Best Mortgage Lenders: Your Trusted Partner in Home Financing
Assistance-participating lenders
For first-time buyers combining a first mortgage with county or city purchase assistance.
VA lenders
For veterans and service members using their benefit with no down payment. See Miramar VA rates.
Conventional lenders
For move-up buyers in Silver Shores, Riviera Isles and Monarch Lakes, with the best pricing at 20% down.
Self-employed and DSCR lenders
For business owners qualifying on deposits and investors qualifying on rent.
Miramar FHA Loan Rates: Affordable Homeownership Solutions
FHA is a natural fit for many Miramar buyers: 3.5% down at a 580 credit score, gift funds from family and room for higher debt ratios. Sellers can contribute up to 6% toward closing costs, which is realistic in a market where homes take more than three months to sell.
FHA works well in east Miramar’s single-family neighborhoods and in fee-simple townhome communities. Condos and townhomes that are legally condominiums need FHA project approval. Our Miramar FHA loan page covers limits, insurance and approvals.
Find the Best Miramar Mortgage Rates with On Mortgage
Miramar, with its family communities and its location halfway between Miami and Fort Lauderdale, has an active housing market. On Mortgage offers competitive Miramar rates and loans that fit how each household buys.
Miramar’s Real Estate Market Overview
Miramar homes sold at a median of around $535,000 in mid-2026 and took about 99 days on average. That gives buyers time to line up assistance, compare loans and negotiate. We track Miramar rates every day so you can lock at a good moment for your purchase or refinance.
Community Living in Miramar
Miramar offers parks, schools, shopping and dining that make it popular with families and professionals. Its two halves finance differently:
East Miramar
Older single-family homes and townhomes at more accessible prices, where FHA, VA and purchase assistance do the most good. Older roofs make early insurance quotes important.
West Miramar
Newer gated communities with lakes and clubhouses, where conventional loans with HOA dues dominate and some larger homes reach jumbo size.
Taxes and insurance on a Miramar home
Your rate covers principal and interest; Broward property taxes and homeowners insurance complete the payment. Miramar’s inland location helps, and newer western homes built to current codes often insure below the county average. Here is the escrow on a homesteaded home at the Miramar median, before HOA dues.
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.
Miramar Mortgage Rate Trends
Miramar home values have risen steadily, up about 2.2% over the past year, a sign of healthy demand without overheating. Mortgage rates follow the national market. The local trend worth watching is assistance funding, which tends to arrive in rounds and run out, so first-time buyers who are ready early in a funding cycle have the best chance to use it.
Get pre-approved, ask us which programs are open, and you will be ready to move when the right home and the right funding line up.
Why Choose On Mortgage for the Best Miramar Mortgage Rates?
Miramar is one of the better places in South Florida to buy a first home, if the financing is set up right. Our part:
Competitive mortgage rates for various property types
Houses, fee-simple townhomes and condos, each priced correctly.
FHA loans with low down payment options
Paired with assistance when you qualify.
VA loans with exclusive benefits for veterans
Zero down; often the lowest monthly cost of all.
Refinancing solutions to secure lower mortgage rates
Streamlines for FHA and VA, and PMI removal for conventional.
Jumbo loans for luxury properties
For the largest homes in the west; see Miramar jumbo rates.
Program know-how
We know how Miramar’s assistance options and HOAs work, so your file keeps moving.
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 rates: your questions
Does down payment assistance raise my Miramar mortgage rate?
Sometimes slightly. Assistance programs work with participating lenders and set their own rules, and some first mortgages paired with assistance carry a small rate premium. The assistance is often worth much more than the difference, but you should see both numbers. We price your loan with and without assistance.
Which is cheaper in Miramar: FHA, VA or conventional?
For eligible veterans, VA usually is, with no down payment and no monthly mortgage insurance. Between FHA and conventional, credit score decides most cases: FHA tends to win in the 600s, conventional at higher scores. The live comparison on this page shows today’s numbers at the Miramar median.
Can I refinance if I have a down payment assistance loan?
Usually, but check the assistance terms first. Some programs require repayment when you refinance, while others allow the second loan to stay in place with the program’s permission, called subordination. We request that approval as part of the refinance.
How much are closing costs on a Miramar home?
They vary with the loan amount and program, and include lender fees, title insurance, Florida’s documentary stamp and intangible taxes on the mortgage, and prepaid taxes and insurance. Our closing cost calculator estimates them, and sellers can often contribute.
How quickly are Miramar homes selling?
About 99 days on average as of mid-2026, with values up about 2.2% over the past year. That steady pace gives buyers time to arrange assistance, compare loans and negotiate seller help with closing costs.
More for Miramar borrowers
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Contact On Mortgage for the Best Miramar Mortgage Rates
Whether you are buying, refinancing or investing in Miramar, On Mortgage offers expert advice and loans fitted to your goals. Contact our team today to explore the best Miramar mortgage rates.