Mortgage Broker in Wilton Manors, FL

Short answer

Wilton Manors' median house sold for $800,000 in Q3 2026, above the $667,000 Broward FHA limit and just under the $832,750 conforming limit, so most house buyers here use conventional or jumbo financing, while condos sold at a median of $335,000. QMS Lending is an independent mortgage broker that compares Wilton Manors purchases and refinances across 100+ lenders, in English and Spanish.

What homes cost in Wilton Manors right now

Wilton Manors recorded 38 single-family sales in Q3 2026 at a median of $800,000, up 2.6% from a year earlier, with an average of $995,709, per Florida Realtors data published by MIAMI REALTORS (as of October 2026). Houses took a median 61 days to contract, sellers got 93.3% of original list price, and there were 5.9 months of supply, versus 4.2 months across Broward. Only 14 of the 38 house sales were cash.

Condos and townhouses are almost half the market. 34 sold at a median of $335,000, up 27.5% from a year earlier, in a median 43 days, with 6.3 months of supply. That is more than double the Oakland Park condo median next door, and much of it reflects newer townhouse product.

The city is small: about 1.97 square miles and 11,426 residents (2020 Census), bounded by the North and South Forks of the Middle River, Federal Highway and I-95, which is why it calls itself the Island City. Wilton Drive is the main street and arts and entertainment district, and Highland Estates was rebuilt between 1995 and 2005 with newer townhouses.

FHA, conforming or jumbo: the $832,750 line

Three 2026 limits matter in Wilton Manors (as of October 2026): the Broward FHA 1-unit limit of $667,000, the conforming limit of $832,750, and everything above that, which is jumbo. The median house sits above the FHA cap and just under the conforming cap, so a few thousand dollars of price or down payment can change the loan.

• FHA: with the 3.5% minimum, FHA works up to a price of about $691,000. At $800,000 you would need about $133,000 down to stay under $667,000, so FHA fits condos and smaller houses here.
• Conventional at the median: 5% down is $40,000, loan $760,000, under the conforming limit, with PMI that can come off later.
• Staying conforming on a bigger house: with 20% down you can buy up to about $1,040,900 and keep the loan at $832,750; with 10% down, about $925,000; with 5% down, about $876,500.

Above those prices you are in jumbo territory, where lenders usually want more reserves and stronger credit. A conforming first plus a piggyback second is a common middle path. The conforming limits page has the 2- to 4-unit numbers.

Wilton Manors property taxes

Wilton Manors' 2025 final operating rate is 6.2270 mills, per the Florida Department of Revenue Table 1 and the Broward County Property Appraiser, and the city's proposed 2026 rate is 6.0000. Adding the 2025 final rates for Broward County (5.6658), the school board (6.3200), Children's Services Council (0.4500), the South Florida Water Management District (0.2301 combined), FIND (0.0270) and the North Broward Hospital District (1.2391) gives about 20.2 mills, roughly 2.02% of taxable value (as of October 2026).

On an $800,000 purchase that is about $16,100 a year before the homestead exemption. Voted debt and non-ad valorem fees are extra, so check the parcel on bcpa.net, and budget on your price because the Save Our Homes cap resets at sale.

Living on the Middle River: flood and insurance

Water surrounds the city, and many lots back onto the Middle River forks. Broward's current FEMA flood maps took effect July 31, 2024; if the house sits in a Special Flood Hazard Area, the lender will require flood insurance. Look up the address on the FEMA Flood Map Service Center before you make an offer and read what a flood zone means for your loan.

Riverfront lots are tidally influenced, so Broward's tidal flood barrier standard applies: new or substantially repaired seawalls must reach 5 feet NAVD88, and sellers must give a disclosure in the contract. Ask for seawall age and any repair quotes, since a seawall can cost far more than a roof.

For older houses, plan on a 4-point inspection and a wind mitigation report. For condos and townhouse associations, ask about reserves, the milestone inspection, SIRS and any special assessment, and order the condo questionnaire early.

Down payment help in Wilton Manors

The city's own First-Time Homebuyers Purchase Assistance program, run by Broward County for Wilton Manors, offered up to $40,000 as a 0%, 15-year forgivable loan, but its page says all available funds have been expended and the program is suspended. Broward County's HPA flyer of June 2026 also lists Wilton Manors with no funds (954-357-4943).

Florida Hometown Heroes still pays up to 5% of the first mortgage ($10,000 to $35,000) as a 0% deferred second for eligible first-time buyers. See our Hometown Heroes guide and the Florida down payment assistance page. We also offer a forgivable down payment grant on some loans.

Loan options Wilton Manors buyers ask about

• Conventional: the default at the median, with 5% to 20% down.
• Jumbo: for riverfront and newer homes above the conforming line.
• FHA: for condos, townhouses and smaller houses up to about $691,000.
• Bank statement loans: for self-employed buyers and business owners.
• DSCR loans: business-purpose loans for investors, qualified on the rent.
• HELOC: for owners with equity who want cash without touching a low first mortgage.

Working with QMS Lending in Wilton Manors

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 Wilton Manors buyers

• Wilton Manors First-Time Homebuyers Purchase Assistance Up to $40,000 as a 0%, 15-year forgivable deferred loan, administered by Broward County; the city page says all funds have been expended and the program is suspended. ↗
• Broward County Homebuyer Purchase Assistance (HPA) Up to $120,000 per property where a community has funds; 0%, 15-year deferred loan satisfied if you keep it as your homestead; max price $679,324 per the June 2026 flyer, which lists Wilton Manors 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 in eligible jobs, plus military and veterans. Check funding before you count on it. ↗

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