Fort Lauderdale, FL Mortgage Rates
Live Mortgage Rates in Fort Lauderdale, Florida
6.490%
Fort Lauderdale Conventional Purchase benchmark (80% LTV, 780 FICO), updated Thursday, November 5, 2026 at 2:58 PM UTC
Sourced live from hundreds of wholesale lenders serving Fort Lauderdale and Florida
Fort Lauderdale Benchmark Rates
Lowest available rate with no discount points paid in Fort Lauderdale, FL for each standard scenario, sourced live
| Scenario | Rate (no points) | APR |
|---|---|---|
Conventional Conventional Purchase (80% LTV, 780 FICO) · Fort Lauderdale, FL | 6.490% | 6.529% |
FHA FHA Purchase (96.5% LTV, 680 FICO) · Fort Lauderdale, FL | 5.990% | 6.025% |
VA VA Purchase (100% LTV, 680 FICO) · Fort Lauderdale, FL | 5.990% | 6.021% |
2026 Loan Limits in Florida
Conforming
$832,750 baseline
High-cost Florida counties go up to $1,249,125 - Fort Lauderdale may qualify depending on the specific property county.
FHA
$541,287
Standard FHA limit. Select high-cost Florida counties allow more, up to $1,249,125 - check your specific county.
About Fort Lauderdale Mortgage Rates
The rates shown above reflect the lowest available wholesale pricing for a Fort Lauderdale, Florida homebuyer at the time of the snapshot. Rate Direct pulls pricing from hundreds of lenders serving Florida and refreshes hourly, so the numbers stay close to what a licensed mortgage broker could actually source for a Fort Lauderdale property.
Your specific Fort Lauderdale rate depends on credit score, loan amount, property type (single-family vs multi-unit vs condo), loan-to-value, and loan purpose. A 780 FICO buyer at 80% LTV will price materially better than a 680 FICO buyer at 95% LTV. To see your exact rate across the full Florida lender network, use the Rate Direct pricer.
Fort Lauderdale buyers also have access to FHA, VA, and USDA programs with lower down payments and more flexible credit guidelines. For down payment assistance specific to Florida, see the Florida DPA guide.
Get your personalized Fort Lauderdale mortgage rate
The rates above are the market benchmark for Fort Lauderdale. Your actual rate depends on your scenario.