Fort Lauderdale Mortgage Lender
Expert home loans for Fort Lauderdale's waterfront condos, Las Olas estates, foreign buyers, and yacht community residents. Conventional, jumbo, bank statement & foreign national programs. Licensed in Florida. NMLS #2583712.
Why Buy in Fort Lauderdale?
South Florida's waterfront capital — where world-class yachting meets urban sophistication
Fort Lauderdale: The Venice of America
Fort Lauderdale is one of Florida's most dynamic and desirable cities:
- Over 300 miles of navigable inland waterways — the world's yachting capital
- Las Olas Boulevard — premier dining, art galleries, and boutique shopping
- Fort Lauderdale Beach — world-famous stretch with luxury hotels and condos
- International Airport with direct flights to 50+ countries
- Booming tech and finance sector attracting young professionals
- Strong foreign buyer market from Canada, Europe, and Latin America
Specialized Mortgage Programs for Fort Lauderdale
Fort Lauderdale's diverse market requires diverse financing solutions:
- Jumbo loans for waterfront homes and luxury condos ($750K–$10M+)
- Foreign national programs for Canadian and European buyers
- Conventional and FHA loans for primary residents
- Bank statement loans for business owners and self-employed
- DSCR loans for short-term rental and investment properties
- Condo financing including non-warrantable buildings
Mortgage Programs for Fort Lauderdale Buyers
Jumbo Loans for Waterfront Homes
Fort Lauderdale's most prized properties — deepwater estates, Intracoastal homes, and luxury high-rises — require jumbo financing. We offer competitive rates from $750K to $10M+ with flexible terms.
Foreign National Mortgages
Fort Lauderdale attracts significant Canadian, European, and Latin American buyers. Our foreign national programs require 25-40% down with minimal US credit history. We handle the complexity so you don't have to.
Bank Statement Loans
Fort Lauderdale's booming entrepreneurial scene means many buyers can't show traditional W-2 income. Our bank statement program lets you qualify using 12-24 months of deposits — no tax returns needed.
Condo Financing (Warrantable & Non-Warrantable)
Many Fort Lauderdale condo buildings don't meet Fannie Mae's guidelines due to high investor concentration or other factors. We have portfolio lenders who specialize in these non-warrantable situations.
DSCR Investment Loans
Fort Lauderdale is a top short-term rental market. DSCR loans qualify based on the property's rental income, not your personal income — perfect for Airbnb and VRBO investors in the Las Olas and beach areas.
Conventional & FHA Loans
For primary residence buyers and first-time homeowners in Fort Lauderdale's more affordable neighborhoods. FHA loans start at 3.5% down; conventional options from 3-20% with competitive rates.
Fort Lauderdale Real Estate Market Snapshot
A resilient market driven by lifestyle, waterfront access, and international demand
$600K+
Median single-family home price — reflecting waterfront premiums and lifestyle appeal
30%+
International buyer share — among the highest of any US metro market
50,000+
Registered yachts — the world's largest concentration of recreational boats
$3,500
Average monthly rent for a 2BR condo — strong income potential for investors
Market Commentary
Fort Lauderdale has emerged as one of the most sought-after markets in all of South Florida, increasingly attracting buyers who might previously have gone straight to Miami. The city offers a more relaxed lifestyle, lower density, and often better value per square foot than comparable Miami neighborhoods.
The waterfront market is exceptionally strong, with deepwater homes and Intracoastal properties commanding significant premiums. The foreign buyer segment — particularly from Canada and Venezuela — remains robust, with Fort Lauderdale's direct international air connections making it easily accessible for second-home buyers.
Downtown and Las Olas have undergone remarkable transformation over the past decade, with new luxury high-rises, restaurants, and cultural venues making Fort Lauderdale a true 24-hour city. This urban vibrancy is attracting young professionals who are driving demand for condos and entry-level homes throughout the city.
Fort Lauderdale Mortgage FAQs
What mortgage programs are available for Fort Lauderdale buyers?
Fort Lauderdale buyers have access to conventional, FHA (3.5% down, 580+ credit), VA (0% for veterans), jumbo loans for Las Olas and Intracoastal estates, DSCR investment loans that qualify on rental income, bank statement loans for self-employed borrowers, and foreign national programs for the significant Canadian, European, and Latin American buyer base. The 2026 Broward conforming limit is $806,500.
Can foreigners get a mortgage for a Fort Lauderdale condo?
Yes. Fort Lauderdale draws heavy foreign buyer interest, especially Canadians, Brazilians, Colombians, and Europeans. Our programs require 25-40% down, 12-24 months of bank statements or foreign income documentation, and a valid passport. No US credit history or Social Security number needed. Many international buyers finance beachfront or Intracoastal properties as rental investments using DSCR qualification instead of income docs.
What are home prices in Fort Lauderdale?
Condos start around $250,000-$350,000 inland and reach $2M+ on the beach or Intracoastal. Single-family homes range from $400,000 in more affordable neighborhoods to $10M+ for deepwater estates along Las Olas Isles and Harbor Beach. Homes on the Intracoastal consistently trade above $2M. The 2026 Broward conforming limit is $806,500, so many Las Olas and Victoria Park purchases cross into jumbo territory.
Is Fort Lauderdale good for rental investment properties?
Yes. Fort Lauderdale's year-round tourism, Port Everglades cruise traffic, and strong Broward employment base create solid demand for both short and long-term rentals. DSCR loans qualify on the property's rental income alone, no personal tax returns needed, making them ideal for investors and foreign buyers. Minimum 20-25% down, 660+ credit, and the rental income must cover at least 1.0x the monthly mortgage payment.
How do I get Pre-Qualified for a Fort Lauderdale mortgage?
Apply online or call us directly. We typically issue Pre-Qualified letters within 24-48 hours after reviewing your income, assets, and credit profile. In Fort Lauderdale's competitive Las Olas and waterfront markets, a Pre-Qualified letter is often required before agents will show listings. We serve all of Broward County, including Fort Lauderdale, Hollywood, Pembroke Pines, Plantation, and Weston.
Ready to Buy in Fort Lauderdale?
Get your pre-approval today with Lifetime Capital Funding. Our experienced team knows the Fort Lauderdale market and has the right loan program for waterfront buyers, foreign nationals, business owners, and first-time homeowners.
Lifetime Capital Funding LLC | NMLS #2583712 | Licensed Mortgage Lender in Florida
Not a commitment to lend. All loans subject to credit and property approval.