Mortgage Broker in Dania Beach, FL

Short answer

Dania Beach's median single-family home sold for $610,000 in Q3 2026 and the median condo or townhouse for $242,500, so most purchases here fit under the $667,000 Broward FHA limit. QMS Lending is an independent mortgage broker that compares Dania Beach purchases and refinances across 100+ lenders, in English and Spanish.

What homes cost in Dania Beach right now

Dania Beach recorded 30 single-family sales in Q3 2026 at a median of $610,000, up 8.0% from a year earlier, with an average of $721,323, per Florida Realtors data published by MIAMI REALTORS (as of November 2026). Condos and townhouses were the bigger side of the market: 44 sales at a median of $242,500, and 25 of them were cash. That puts condos and townhouses at about 59% of all sales.

This is a slower market than the county. Houses took a median of 86 days to go under contract, against 38 days across Broward, sellers got 92.0% of original list price, and there were 8.0 months of supply, almost double the 4.2 months countywide. Buyers who show up with a solid pre-approval often have room to negotiate price or a seller concession toward closing costs.

Dania Beach calls itself Broward's First City: it was incorporated as the Town of Dania in 1904 and renamed Dania Beach in 1998. The 2020 census counted 31,723 residents and 16,377 housing units, and 2001 annexations added about 3,600 people. It sits between Fort Lauderdale and Hollywood, next to Fort Lauderdale-Hollywood International Airport, with older neighborhoods such as Modello, Antique Row along Federal Highway and the newer downtown around Dania Pointe.

FHA, conventional or jumbo in Dania Beach

Two 2026 limits matter here (as of November 2026): the Broward FHA 1-unit limit of $667,000 (HUD) and the conforming limit of $832,750 (FHFA). Above $832,750 the loan is jumbo.

• FHA at the house median: 3.5% down on $610,000 is $21,350, for a loan of $588,650, well under the limit. With the 3.5% minimum, FHA works up to a price of about $691,000.
• Conventional at the house median: 5% down is $30,500, loan $579,500, with PMI that can be removed later.
• Staying conforming: with 20% down you can buy up to about $1,040,900 and keep the loan at $832,750. The $721,323 average shows some houses sell well above the median, so run both numbers before you shop.
• Condo at the median: $242,500 is an easy loan size, but the building has to qualify. FHA needs an approved project, conventional needs a warrantable condo, and anything else goes to a non-warrantable condo loan.

Dania Beach property taxes: two hospital districts

Dania Beach's 2025 operating rate is 5.9998 mills (Florida Department of Revenue), and the city is split between two hospital districts. The state's tax codes list both a "Dania Beach - N Hosp" and a "Dania Beach - S Hosp" area. The North Broward Hospital District levied 1.2422 mills for 2025 and the South Broward Hospital District only 0.0805, per the Broward County Property Appraiser.

Adding Broward County (5.6658), the school board (6.3200), Children's Services Council (0.4500), the South Florida Water Management District (0.2301 combined) and FIND (0.0288), the total is about 18.78 mills (1.88%) in the south-hospital area and about 19.94 mills (1.99%) in the north (as of November 2026). Some south parcels also pay Central Broward Water Control District, proposed at 0.8900 mills for 2025.

On a $610,000 house at 18.78 mills that is about $11,450 a year before the homestead exemption. Look up the exact parcel on bcpa.net, and budget on your price, not the seller's bill, because the Save Our Homes cap resets at sale.

Flood, insurance and condo rules

The city itself says many areas of Dania Beach are prone to flooding from heavy rain. Broward's current FEMA flood maps took effect on July 31, 2024, so a listing's old flood zone may be out of date. Check the address on the FEMA Flood Map Service Center, and read what a flood zone means for your loan: in a Special Flood Hazard Area the lender will require flood insurance.

One local plus: Dania Beach holds a Class 5 rating in FEMA's Community Rating System, which FEMA says gives a 25% discount on NFIP flood premiums for properties in Special Flood Hazard Areas (as of November 2026).

For older houses, expect the insurer to ask for a 4-point inspection, and get a wind mitigation report early. For condos, the lender reviews the association through a condo questionnaire, and Florida's SIRS and milestone inspection rules can lead to a special assessment. Ask for the budget, reserves and any pending assessments before you sign.

Down payment help for Dania Beach buyers

Broward County's Homebuyer Purchase Assistance program is a 0% deferred second mortgage with a 15-year term, for buyers up to 80% of area median income ($101,400 for a family of four) on homes up to $679,324. But both the June 2026 funding flyer and the county's homebuyer page list Dania Beach with no funds. Check again before you plan around it (954-357-4943).

State help still applies. Florida Hometown Heroes pays up to 5% of the first mortgage ($10,000 to $35,000) as a 0% deferred second for eligible first-time buyers in jobs such as health care, teaching and public safety. See our Hometown Heroes guide, the Florida down payment assistance page and our forgivable down payment grant, available on some loans.

Loan options Dania Beach buyers ask about

• FHA: 3.5% down up to about $691,000 in price, in an approved condo project or on a house.
• Conventional: 5% to 20% down, PMI that comes off as you build equity.
• Non-warrantable condo loans: for buildings with litigation, low reserves or other issues that block standard financing.
• VA loans: 0% down for eligible veterans and service members.
• DSCR loans: for investors buying rentals near the airport, the port or the beach. DSCR loans are business-purpose loans, qualified on the rent, not your personal income.
• Bank statement loans: for self-employed buyers whose tax returns understate what the business earns.

Working with QMS Lending in Dania Beach

QMS Lending is an independent mortgage broker in Miami, FL, founded in 2018 (NMLS #1781090). We compare your file across 100+ wholesale lenders instead of one bank's menu, and most of the process runs on e-sign and phone, so you do not need to drive to an office.

The team is bilingual (English and Spanish), led by Michael Fernandez, NMLS #1491775, President, and rated 4.9 stars across 200+ Google reviews. Rates vary daily; call 305-425-1990 for today's pricing. Subject to credit approval and property eligibility. Equal Housing Opportunity.

Down payment help for Dania Beach buyers

• Broward County Homebuyer Purchase Assistance (HPA) 0% deferred second mortgage, 15-year term; max price $679,324; up to 80% AMI ($101,400 for a family of four, effective May 2026); buyer puts in 3%. The June 2026 flyer and the county page list Dania Beach with no funds. 954-357-4943. ↗
• Florida Hometown Heroes Up to 5% of the first mortgage ($10,000 minimum, $35,000 maximum) as a 0%, 30-year deferred second mortgage, not forgivable; first-time, income-qualified buyers working full time for a Florida employer in eligible jobs, plus military and veterans. Confirm funding before you count on it. ↗

Nearby cities

HollywoodFort LauderdaleHallandale BeachDavie