Sunrise, Florida · live Broward pricing
Today’s Sunrise Mortgage Rates
Live rates for homes, villas and condos in Sunrise, Florida, compared across many wholesale lenders, so you can see how they stack up against your bank or credit union before you commit.
See Live Sunrise Mortgage Rates And Closing Costs!
$64 lender credit
No points, no credit
0.250 points
0.292 points
0.410 points
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.
Sunrise’s Mortgage Broker Offering the Lowest Rates
We specialize in Sunrise residential mortgages.
A Sunrise buyer can get a mortgage quote from a bank, a credit union, an online lender or a broker. Each quote reflects one lender’s pricing that day. A wholesale broker’s advantage is that its quote is really many quotes: On Mortgage sends your application to a large panel of lenders, compares their rate, points and fees, and shows you the strongest options together.
Try your numbers in the Broward rate finder, or read how our Sunrise mortgage broker team handles villas, 55+ condos and first homes.
Sunrise Mortgage Rates Today: Unlock the Best Deals for Your Home Loan
For comparison shopping, today’s par 30-year fixed for a Broward single-family primary residence with 20% down and a 780 score is 6.750% (10/26/2026).
Many Sunrise borrowers start with their own bank or credit union. That can be a good place to begin, and it is worth knowing how the options differ:
| Bank or credit union | On Mortgage, wholesale broker | |
|---|---|---|
| Lenders compared | One, the institution itself | Many wholesale lenders on the same day |
| Programs | Usually its own conventional, sometimes FHA and VA | Conventional, FHA, VA, jumbo, bank statement, DSCR, portfolio condo |
| Membership | Credit unions require membership | No membership needed |
| Older or 55+ condos | Often limited to warrantable buildings | Portfolio lenders for buildings outside agency rules |
| Relationship discounts | Sometimes, for autopay or deposits | Pricing competition across the panel instead |
On Mortgage is an independent broker and is not affiliated with any bank or credit union. If your credit union’s offer is better, we will tell you. The fairest test is to compare Loan Estimates for the same loan on the same day.
Sunrise Refinance Rates: Refinancing Your Home for Better Terms
$531 lender credit
0.250 points
$64 lender credit
0.292 points
$1,748 lender credit
Rate-and-term refinance pricing for a Broward single-family primary residence with 20% equity and 780+ credit. FHA streamline, condo and cash-out refinances price differently. Price your own Sunrise scenario, no credit pull.
Sunrise homeowners usually refinance for one of three reasons. Owners who bought with FHA in Springtree, Welleby or west Sunrise can move to a conventional loan once they reach 20% equity and drop mortgage insurance. Owners whose rate is meaningfully above today’s can lower their payment, often with an FHA streamline if they already have FHA. And owners with equity sometimes take cash out for a roof or impact windows, which can lower insurance costs too.
Condo owners in older communities should know that a refinance requires the building to qualify, just as a purchase does. The refinance calculator shows your break-even month, and our refinance page covers each option.
Sunrise 30-Year Mortgage Rates: Long-Term Stability for Homebuyers
For most first-time Sunrise buyers, the choice is a 30-year fixed under either FHA or a conventional loan. At a 640 credit score, where conventional mortgage insurance gets expensive, here is today’s live comparison at the Sunrise median:
| $405,000 purchase, 640 credit | Conventional, 5% down | FHA, 3.5% down |
|---|---|---|
| Down payment | $20,250 | $14,175 |
| Loan amount | $384,750 | $397,664 (includes 1.75% upfront MIP) |
| Today’s rate | 8.125% | 6.599% |
| Principal and interest | $2,857/mo | $2,539/mo |
| Mortgage insurance | $426/mo PMI | $179/mo MIP |
| Total before taxes and insurance | $3,283/mo | $2,719/mo |
| Mortgage insurance ends | When you reach 20% equity (cancellable) | Usually lasts the life of the loan with under 10% down |
Live 30-year pricing for a Broward primary residence at the Sunrise median. PMI and MIP estimated from current premium schedules; property taxes, homeowners insurance and association dues are additional.
At scores in the 600s, FHA usually comes out ahead on the monthly payment. As your score rises, conventional catches up, and its mortgage insurance can be removed later. We run the comparison at your actual score.
Sunrise Best Mortgage Lenders: Your Trusted Partner in Home Financing
FHA lenders
For first-time buyers in single-family neighborhoods and FHA-approved condo projects, with gift funds and flexible credit.
Portfolio condo lenders
For units in older 55+ and garden-style communities that do not meet agency or FHA guidelines.
Conventional lenders
For buyers with good credit, including low down payment programs with mortgage insurance that cancels.
VA lenders
For veterans and service members, with no down payment; see Sunrise VA rates.
Retirement-income friendly lenders
For retirees qualifying on Social Security, pensions and asset depletion.
DSCR lenders
For rental homes where association rules allow leasing; see Sunrise DSCR loans.
Sunrise FHA Loan Rates: Affordable Homeownership Solutions
FHA is one of the most useful loans in Sunrise, with 3.5% down at a 580 score, gift funds from family and room for higher debt ratios. As the comparison above shows, it is often the lowest-cost option for buyers with credit in the 600s.
The limitation is condos. Much of Sunrise’s housing is in condominium communities, and FHA can only be used where the project is on FHA’s approved list. Villas that are fee simple and single-family homes do not need project approval. Our Sunrise FHA loan page explains how to check a community’s status.
Find the Best Sunrise Mortgage Rates with On Mortgage
Sunrise, Florida combines family neighborhoods, plenty of recreation and an easy commute in almost any direction. On Mortgage offers competitive Sunrise rates and loans fitted to the home you want and the way you qualify.
Sunrise’s Housing Market Highlights
Sunrise sales centered around $405,000 in mid-2026, with homes averaging about 91 days on the market. That leaves room to compare homes and to negotiate seller help with closing costs. We watch Sunrise rates every day so you can lock at a good moment.
Why Families Choose Sunrise
Families come to Sunrise for the schools and parks and stay for the convenience, with Sawgrass Mills, the Panthers’ arena and three expressways close by. Here is how the main areas tend to finance:
Springtree & Welleby
Single-family homes with yards, popular with families using FHA, VA and conventional loans.
East Sunrise condos
Large 55+ and garden-style communities where the building’s eligibility shapes the loan.
Sawgrass area
Newer homes near the expressway and offices, mostly conventional with HOA dues.
Taxes and insurance on a Sunrise home
A full Sunrise payment includes Broward property taxes and homeowners insurance, which averages among the highest in Florida even inland. Here is the escrow on a homesteaded single-family home at the Sunrise median. Condo and villa owners in association-insured buildings carry a smaller HO-6 policy, with the master policy paid through their 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.
Sunrise Mortgage Rate Trends
Forecasters expect Sunrise property values to climb roughly 3.5% in the coming year, helped by the city’s central spot in Broward and its growing population. Rates follow the national market; the local story is the split between single-family homes, which hold value steadily, and older condo communities working through dues increases and assessments under Florida’s newer laws.
For buyers, that split means comparing the full monthly cost, not just the rate. A lower-priced condo with high dues can cost as much each month as a villa or small house. We lay out both before you decide.
Why Choose On Mortgage for the Best Sunrise Mortgage Rates?
Sunrise gives buyers and investors more options than many Broward cities. Here is what we add:
Competitive mortgage rates for single-family homes
Priced across our full panel, not one institution’s rate sheet.
FHA loans with low down payment options
Often the best fit for credit scores in the 600s.
VA loans with exclusive benefits for veterans
Zero down and no PMI in eligible properties.
Refinancing solutions to secure lower mortgage rates
FHA-to-conventional, streamlines and cash-out.
Jumbo loans for luxury properties
For the larger homes on Sunrise’s western edge.
An easy process
Our team knows Sunrise’s communities, so your approval moves without surprises.
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 rates: your questions
Are credit union mortgage rates lower than a broker’s?
Sometimes, sometimes not. A credit union prices its own loans, and members may get relationship discounts. A broker compares many wholesale lenders at once. The only fair test is to request Loan Estimates for the same loan amount, down payment and lock period on the same day and compare the rate, points and fees.
Is On Mortgage connected to a credit union?
No. On Mortgage is an independent mortgage broker serving Sunrise, Florida and the rest of the state. We are not affiliated with any bank or credit union, and you do not need a membership to work with us. We are happy to compare our offer against yours.
Can I get FHA rates on a Sunrise condo?
Only if the condominium project is on FHA’s approved list, which many older Sunrise communities are not. Fee-simple villas and single-family homes do not need project approval. We look up the specific community’s status as soon as you share a listing.
Which credit score gets the best Sunrise rates?
Pricing improves in steps, with the best conventional pricing generally at 760 to 780 and above. FHA is more forgiving, with 3.5% down available at 580. If you are close to a step, paying down card balances before applying can improve your rate.
How long do Sunrise homes take to sell?
About 91 days on average as of mid-2026. That pace usually leaves time to compare loan offers and to ask the seller for help with closing costs, which FHA allows up to 6% of the price.
More for Sunrise borrowers
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Contact On Mortgage for the Best Sunrise Mortgage Rates
Buying, refinancing or investing in Sunrise? On Mortgage provides expert guidance and loan comparisons. Contact our team today to see the best Sunrise mortgage rates and secure the right loan.