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Now Lending in Fort Lauderdale

Fort Lauderdale home loans —
the Venice of America.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Fort Lauderdale and Broward County. From waterfront homes off Las Olas to condos on the beach and bungalows in Victoria Park, we bring local guidance to the Venice of America — with the ability to close in as little as 14 days* and pre-approvals often issued the same day.

Get Pre-Approved Call (561) 299-5825
Broward County
Greater Fort Lauderdale
14 days*
Close In As Little As
$832,750
2026 Broward County Conforming Limit
5.0 ★
Google Review Rating
Fort Lauderdale Markets

Local lending across
every Fort Lauderdale neighborhood.

Fort Lauderdale Neighborhoods

From canal-front estates and beachfront towers to historic in-town streets.

  • Las Olas Isles & downtown
  • Victoria Park & Colee Hammock
  • Coral Ridge & the beaches
  • Rio Vista & Harbor Beach
Yachting Capital of the World

Hundreds of miles of canals make waterfront living the signature of the city.

  • Waterfront & deepwater financing
  • Condo & high-rise programs
  • Broward County coverage
  • Minutes to FLL & Port Everglades
Every Kind of Lauderdale Buyer

From first condos to luxury waterfront and investment purchases.

  • First-time & move-up buyers
  • Condos, townhomes & new construction
  • Jumbo financing for waterfront luxury
  • Investment & rental properties (DSCR)
Las OlasVictoria ParkCoral RidgeRio VistaHarbor BeachColee HammockWilton ManorsSailboat BendImperial Point
Loan Programs in Fort Lauderdale

Financing for every
kind of Fort Lauderdale buyer.

FHA Loans

3.5% down with flexible credit — the most popular path for first-time Fort Lauderdale homebuyers.

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VA Loans

0% down for Fort Lauderdale's veterans and active-duty service members. No monthly mortgage insurance.

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Conventional Loans

Fixed and ARM options within the local $832,750 conforming limit for strong-credit borrowers.

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Jumbo Loans

High-balance financing for Fort Lauderdale's luxury and higher-priced markets above conforming limits.

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DSCR Loans

Qualify on rental income to scale your Fort Lauderdale investment-property portfolio.

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Non-QM Loans

Bank statement and alternative-doc programs for Fort Lauderdale's self-employed borrowers.

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FAQ

Fort Lauderdale mortgage
questions answered.

We serve homebuyers and homeowners throughout Fort Lauderdale and Broward County, including Las Olas, Victoria Park, Coral Ridge, Rio Vista, and Harbor Beach, plus nearby Wilton Manors and Oakland Park.
The 2026 conforming loan limit is $832,750 in Broward County, including Fort Lauderdale. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's luxury and waterfront homes.
Fort Lauderdale borrowers have access to FHA, VA, conventional, jumbo, Non-QM, DSCR, commercial, private money, and second mortgage / HELOC financing — for primary residences, second homes, and investment properties.

Ready to start your Fort Lauderdale home journey?

Get pre-approved today — no cost, no obligation. Fort Lauderdale borrowers, let's get you to the closing table.

Start My Application Call (561) 299-5825