Broward County Mortgage Loan Officer

Start with the home and your plans

Buying in Broward is not one uniform experience. A single-family house in Coral Springs, a Hollywood townhome and a Pompano Beach condominium can require different property reviews. I start by asking how you will use the home, who will be on the application and what you want to keep available for expenses after closing. That conversation helps me identify questions before we choose a loan program.

I also work with owners considering refinancing. Before moving forward, I review the existing mortgage, your reason for replacing it, transaction expenses and how long you expect to keep the property. Accessing equity or changing the loan structure can involve trade-offs. My Florida refinancing page is a starting point for that discussion, not a recommendation to replace a loan that already fits.

Look beyond the listing description

Broward has single-family neighborhoods, attached townhomes, condominium buildings and many age-restricted communities. A townhome’s appearance does not establish its legal ownership type: it may be a condominium or a fee-simple home with an association. I ask for the legal description and association information rather than assuming the financing follows the architecture.

In a 55+ community, I encourage you to confirm occupancy restrictions, screening procedures and association approval timing with the association and your real estate professional. Loan approval and association approval are separate decisions. If there are membership obligations or unusual recurring charges, send the documents so I can determine how the lender will consider them.

Condo documents can change the timeline

For a condo purchase, the lender reviews more than your finances. The association’s budget, reserves, insurance, repair obligations, litigation and special assessments can affect whether a particular program can finance the unit. A prior sale in the building does not establish that your application will qualify under current guidelines.

I ask buyers to request the condo questionnaire, current budget, reserve study, applicable structural inspection reports and assessment notices early. An assessment can matter both because it affects your obligations and because it may reveal an unresolved building issue. My South Florida condo financing guide explains the current review framework. Send me the listing before writing an offer so I can identify documents to request.

Insurance, flood zones and HOA dues affect qualifying

I want an insurance discussion early, not as a surprise near closing. Windstorm and homeowners coverage can vary with the roof, construction, location, condition and available insurers. A lender’s flood-zone determination and program rules help establish whether flood insurance is required. Being outside a required flood zone does not mean a property has no flood risk; discuss coverage with a licensed insurance professional.

Association dues, required insurance, property taxes and applicable assessments can affect the housing expense used in qualifying. For condos, I review the master policy alongside the unit-owner coverage the lender requires. Listing estimates and the seller’s current costs may not reflect your situation. Obtain property-specific information and let me update the file before treating a preliminary qualification as final.

FHA and conventional limits are different

HUD’s 2026 FHA one-unit loan limit for Broward County is $667,000. Confirm the current figure in HUD’s FHA Mortgage Limits lookup, selecting Florida, Broward, FHA Forward and CY2026. A county loan limit is not a purchase-price limit or an approval of the borrower or property.

Conventional conforming limits follow a different framework. My Florida conforming loan limits page helps you find that separate information. I review the loan amount, occupancy, property type and your financial profile together; a property’s location alone does not determine program eligibility.

Ask about assistance before choosing a property

Buying with local assistance in mind? Read my Broward County down payment assistance guide. It explains how county, city and Florida Housing programs may interact. Funding, eligibility and participating-lender requirements vary and change; ask me to check current availability.

My Hometown Heroes page explains another potential path for eligible applicants. I do not assume a profession, veteran status or pre-approval reserves assistance. The property’s municipality, household information, education requirements and program procedures can all matter. I check the current rules before incorporating assistance into a purchase plan.

Prepare a file that answers the lender’s questions

I typically begin with identification, income documentation, asset statements and information about existing obligations. Self-employment, retirement income, recent job changes or funds coming from another person can require additional documentation. Tell me about those details early, and avoid changing employment or moving funds without discussing how it may affect the application.

If you are getting started, use my first-time home buyer guide. Eligible veterans and service members can review my Florida VA page, subject to program and lender requirements. The calculator is a planning tool; I still need to review the actual property and supporting documents.

Work with me across county lines

I coordinate remotely and keep the discussion focused on what is still needed from you, the association and other transaction participants. If your search crosses the county line, my Palm Beach County page covers that market. Programs and guidelines are subject to change and borrower and property qualification. Send your target community and listing, and I will explain the next steps without treating an initial conversation as a loan approval.