Sunrise, Florida · Central Broward
Sunrise Mortgage Broker
Sunrise packs a lot into one city: 55+ condo communities, villas and townhomes, family neighborhoods near good parks and new homes by the Sawgrass Expressway. On Mortgage finds the lender that fits each one, from a large network of wholesale lenders.
Sunrise rates today, from FHA to conventional
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 Sunrise scenario, no credit pull.
Your Trusted Sunrise Mortgage Broker: On Mortgage
Sunrise is a lively city known for family-friendly neighborhoods, plenty of recreation and quick access to the rest of South Florida. At On Mortgage, we help Sunrise residents and the people moving here find the best financing for a home or an investment.
What sets Sunrise apart for a lender is how much of the housing is condominiums, villas and townhomes. A large share of the city’s homes sit in association communities, including some of the largest age-restricted condo communities in Broward County. That brings great prices for buyers, but it also means the association matters as much as the borrower. Before you fall in love with a unit, we look at whether its community can be financed and by whom.
Check today’s Sunrise mortgage rates, or price your own purchase in the Broward County rate finder without a credit check.
Sunrise’s Mortgage Broker Offering the Lowest Rates
We specialize in Sunrise residential mortgages.
A broker’s value starts with choice. Your application goes to many wholesale lenders at once, and their quotes come back side by side with the rate, the points or lender credit and the fees. You choose based on what you will actually pay, not on which bank you happened to call first.
For many Sunrise buyers, the lowest rate is also a question of loan type. An FHA loan can carry a lower rate than a conventional loan for a buyer with a modest credit score, but it adds mortgage insurance for longer and requires an FHA-approved condo. A conventional loan with 5% down may cost more in rate but less overall.
We price both and show you the total monthly payment and the cost over the time you expect to own the home. VA loans often beat both for eligible veterans, with no down payment and no monthly mortgage insurance.
Already own in Sunrise? A refinance can drop FHA mortgage insurance once you have enough equity, lower your rate or fund a new roof or impact windows. The refinance calculator shows your break-even.
Sunrise’s Housing Market Highlights
As of mid-2026, the median sale price in Sunrise is around $405,000, and homes typically sell in about 91 days, a pace that gives buyers time to compare and negotiate. Prices vary widely by type of home and part of town:
| Area and housing | Who buys here | Financing notes |
|---|---|---|
| Sunrise Lakes and other 55+ condo communities | Retirees and downsizers, plus many cash buyers | Condo review is essential; many buildings need portfolio lenders or larger down payments |
| Villas and townhomes | First-time buyers and downsizers | Confirm condo or fee-simple ownership; FHA and conventional from 3% down |
| Springtree, Welleby and Sunrise Golf Village | Families wanting single-family homes, yards and pools | Conventional, FHA and VA; older roofs and four-point inspections |
| Sawgrass and west Sunrise | Move-up buyers and commuters along the Sawgrass Expressway | Newer homes in HOA communities; conventional and occasional jumbo |
As your local Sunrise mortgage broker, On Mortgage fits the financing to whichever of these you are buying.
Buying in a Sunrise 55+ or condo community
Sunrise is home to some of the largest age-restricted condominium communities in South Florida, built in waves decades ago. Prices are often among the most affordable in Broward County, which draws retirees and downsizers. Financing them takes care, because the buildings and associations have to qualify as well as the buyer.
Lenders review the association’s budget and reserves, insurance, delinquency rate, the share of units owned by investors and any special assessments. Florida’s post-Surfside laws added milestone inspections for buildings three stories and taller and stricter reserve rules, and some older associations have raised dues or passed assessments to comply. FHA financing requires the project to be on the FHA approved list.
When a community does not meet agency guidelines, portfolio lenders can often still make the loan with a larger down payment. We check the community first, so you know your options before you spend money on an inspection.
Why Families Choose Sunrise
Sunrise offers a strong quality of life, with good schools, well-kept parks and some of South Florida’s best-known attractions. As a trusted Sunrise mortgage broker, we arrange loans that help families find the right home here.
Sawgrass Mills and the arena
Sawgrass Mills is one of the largest outlet malls in the country, and the arena long known as the BB&T Center, now Amerant Bank Arena, is home to the Florida Panthers and big concerts.
Parks and recreation
City parks, athletic fields, tennis and pools are spread across Sunrise’s neighborhoods, and the Everglades are right at the western edge of town.
Getting around
The Sawgrass Expressway, I-595, I-75 and the Turnpike connect Sunrise to Fort Lauderdale, Miami, Boca Raton and the corporate offices along the Sawgrass corridor.
Homeowners insurance and property taxes in Sunrise
Sunrise shares Broward County’s high average insurance premium, though its inland location away from storm surge works in its favor compared with the beach cities. Condo and villa owners in association-insured buildings carry a smaller HO-6 policy, with the building’s coverage paid through dues. For single-family homes, a roof under 15 years old, impact windows and a wind mitigation report make the biggest difference. Here is the full picture for a homesteaded home at the Sunrise 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.
Sunrise Housing Market Forecast
With its central location and growing population, Sunrise is expected to see about a 3.5% increase in property values over the next year. Demand comes from several directions at once: families who want single-family homes at prices below the coast, retirees attracted to its 55+ communities, and workers at the offices and businesses along the Sawgrass corridor.
Expect the condo market to keep sorting itself, with well-run associations holding value and buildings facing large assessments offering discounts to buyers willing to do their homework. Single-family homes with updated roofs and impact protection will remain in demand. On Mortgage is here to guide you through it and secure the best financing terms available.
Why Choose On Mortgage as Your Sunrise Mortgage Broker?
In Sunrise, the right loan depends on the building as much as the buyer, and OnMortgage has lenders for both sides of that equation:
- FHA loans from 3.5% down for single-family homes and approved condos
- Conventional loans from 3% down for first-time buyers
- VA loans with nothing down for eligible veterans
- Portfolio condo loans for 55+ and non-warrantable communities
- Self-employed financing on 12 or 24 months of deposits
- DSCR loans for investors, where association rules allow renting
- Refinancing to drop mortgage insurance or lower the rate
Comparing Sunrise with Plantation, Weston or Davie? See every city we serve 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.”
Sunrise mortgage broker: your questions
Can I get a mortgage for a condo in a Sunrise 55+ community?
Yes, if the community meets the lender’s requirements. Lenders look at the association’s reserves, insurance, owner-occupancy, delinquencies and any assessments. FHA loans require the project to be on the FHA approved list. If a community does not qualify for conventional or FHA financing, a portfolio lender may still lend with a larger down payment.
Is a villa in Sunrise a condo or a house?
It depends on how the community was set up. Some villas are legally condominium units, and others are fee-simple homes where you own the land, governed by an HOA. Lenders treat the two very differently. The legal description in the listing or the community’s documents will tell you, and we confirm it before you make an offer.
What credit score do I need to buy in Sunrise?
FHA loans allow 3.5% down with a 580 score, and some lenders go lower with more down. Conventional loans usually start at 620. VA loans have no official minimum, though most lenders look for 580 to 620. A higher score lowers your rate and mortgage insurance cost, so we will also tell you if a small improvement is worth waiting for.
How much are HOA or condo dues in Sunrise?
They vary widely by community, from modest fees in fee-simple villa communities to higher dues in condo buildings with pools, clubhouses and full building insurance. Dues are counted in your monthly payment when you qualify. Ask for the current budget and any planned increase or assessment before you buy.
Can I buy a rental property in Sunrise?
Yes. Single-family homes and townhomes in Sunrise rent well thanks to the central location. Check association rules first, since many condo and HOA communities limit leasing, and some 55+ communities restrict who can live there. A DSCR loan can qualify the property on its rent, or you can use a conventional investment loan.
Why use a Sunrise mortgage broker instead of a bank?
Many banks avoid older condo communities and limit their programs. A broker compares many lenders, including portfolio lenders for non-warrantable condos, and matches you with the one whose rules fit both you and the property. You get more options, competitive pricing and one consultant for the whole process.
More for Sunrise borrowers
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Contact OnMortgage: Sunrise’s Leading Mortgage Broker
From a condo in a 55+ community to a family home in Springtree or a new build near Sawgrass, our brokers will compare lenders and walk you through every step. Get a free quote today.