Lendtrain offers mortgage refinance rates in Broward County. Licensed as Lendtrain (NMLS# 1844873). Wholesale rates for conventional and VA loans. No credit check for your quote.

Refinance Your Broward County Home

Broward County's median home was built in 1980 (U.S. Census Bureau, ACS 2024 5-year) — and the bill for that age is arriving: associations across Fort Lauderdale, Hollywood, and Pompano Beach are levying special assessments to fund inspections and reserve requirements. For many of the county's 479,343 owner households, the question is how to pay for it without wrecking the rest of their finances.

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Why Refinance in Broward County With Lendtrain

See how Lendtrain helps Broward County homeowners save on their mortgage refinance.

A Plan for the Assessment Letter

When a five-figure special assessment lands, owners weigh the association's payment plan against tapping equity. A cash-out refinance is one route — Broward owners hold real equity to draw on, with the county price index up roughly 64% from 2020 to 2025 (FHFA All-Transactions House Price Index via FRED, annual 2025).

Recertification Came Here First

Broward and Miami-Dade required 40-year building recertifications years before Florida's statewide milestone-inspection law existed, so this county's buildings — 28.8% of units sit in 20+ unit structures (Census ACS 2024 5-year) — are further into the inspection cycle than most of the state. Lenders know the local paperwork; so do we.

Honest About the Dip

Broward's typical home value is $423,097, down 4.6% over the past year (Zillow Home Value Index, April 30, 2026). Equity math should start from that number, not from a 2022 listing screenshot — our quote asks for your current estimate on purpose.

Twelve-Plus Years of Paydown

The median Broward owner moved in around 2012 (U.S. Census Bureau, ACS 2024 5-year) — over a decade of principal payments layered under the county's post-2020 appreciation. That two-source equity is what makes restructuring possible even in a soft year.

How It Works

No paperwork, no waiting on hold. Get a real rate quote, see your estimated closing costs, and find out how much you could save — in four simple steps.

  1. Enter Your Mortgage Details

    Answer a few quick questions about your current mortgage — or upload your mortgage statement and we'll pull your rate, balance, and loan type automatically.

  2. Get Your Rate Quote

    We pull live wholesale rates based on your exact scenario. No guessing — real numbers.

  3. See Your Monthly Savings

    See exactly how much you could lower your monthly mortgage payment, your breakeven timeline on closing costs, and total interest savings over the life of the loan.

  4. Lock Your Rate and Apply

    Ready to lock in your refinance rate? Apply online in minutes — no branch visit required.

Takes about 30 seconds. No credit check for your quote.

Frequently Asked Questions About Broward County Refinancing

Can a cash-out refinance pay a Broward condo special assessment?
Yes — paying off a special assessment is a routine use of cash-out funds in Broward, and it can also simplify the refinance itself, since an open assessment shows up in the condo project review either way. Compare the association's installment plan (and its interest, if any) against the all-in cost of the new loan before choosing; the cash-out basics explain the loan side. For some owners a smaller assessment is better handled with savings than with mortgage debt.
My Fort Lauderdale home lost value this year — did refinancing stop making sense?
Not by itself: the typical Broward value of $423,097 is down 4.6% year over year (Zillow Home Value Index, April 30, 2026), but the county's price index remains roughly 64% above 2020 (FHFA via FRED, annual 2025), so pre-2021 buyers still hold most of their gains. A softer value mainly affects loan-to-value, which can move pricing tiers — one more reason to quote from an honest current estimate.
How does Broward's 40-year recertification history affect my refinance?
Mostly favorably, if your building has kept up: Broward's recertification program predates the statewide milestone law, so many local buildings already hold recent inspection reports — exactly the documentation lender condo reviews ask for. A building that is behind on recertification is the harder case, narrowing the lender list until the work or paperwork is current. Either way, ask your association for its latest report before applying; it saves weeks.
Is a 1980 build year a problem for refinancing in Broward County?
No — age alone is not a barrier, and 1980 is simply the county median (Census ACS 2024 5-year). What matters to the appraisal and the insurer is condition: roof age, electrical, plumbing, and for coastal homes, wind mitigation features. Owners refinancing older Hollywood or Pompano Beach homes often fold the big-ticket updates into the loan itself, which is a different conversation than refinancing a newer Parkland house.
Which Broward County cities does Lendtrain serve?
All of them — Fort Lauderdale, Hollywood, Pembroke Pines, Miramar, Coral Springs, Pompano Beach, Plantation, Sunrise, Davie, Weston, Deerfield Beach, and the rest of the county's municipalities. Questions that do not change by county — documentary stamps, closing practice, licensing — are answered on the Florida refinance page.

Market facts on this page were last reviewed on . Each statistic is attributed to its source where it appears.

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NMLS #1844873 | Equal Housing Opportunity

Rate quotes are estimates based on the credit score you provide. Actual rates may differ based on verified credit, income, and property details.

Lendtrain (NMLS# 1844873) is licensed to originate mortgages in Florida. NMLS# 1844873.