Miramar’s median sale price has climbed 6.8% year-over-year to $450,000, but the appreciation curve is flattening as inventory rises 14%—a welcome shift for buyers who were priced out in 2021–2022. Single-family homes in 33029 (west of Flamingo Road) are moving fastest, averaging 16 DOM, while condos near Miramar Parkway and Red Road linger 28 DOM, giving room for negotiation. New construction is concentrated in Monarch Grove and Serenity Cove, where builders accept NMHL’s FHA and VA approvals and often contribute 3% toward closing. Because Broward County’s appraisals are lagging behind contract prices, we order a rush desk review on every deal above $500,000 to avoid value shortfalls that kill loans elsewhere. If you’re relocating from the Northeast, note that winter is Miramar’s second selling season; listings spike January–March when snowbirds list, so rates dip slightly with the competition.

• Silver Shores: Gated community with A-rated Silver Lakes Elementary; townhomes from $380K–$480K, HOA $185/month.
• Sunset Lakes: Waterfront views, 24-hour guard, and townhomes under $470K that qualify for 3% FHA down; CDD fee averages $900/year.
• Miramar Park of Commerce Area: Non-gated single-family homes built 1995–2005, prices $420K–$520K, no CDD, low HOA.
• Historic Miramar (SW 68th Ave corridor): Fixer-uppers from $350K eligible for FHA 203(k) renovation loans; NMHL closes these in 30 days.

Each neighborhood feeds into high-scoring Broward schools—an important resale factor. Pines Middle and Everglades High both rank 8/10 on GreatSchools, supporting values. If you need room for an ADU or RV parking, look west of SW 184th Ave where R-1A zoning allows ½-acre lots and USDA 100% financing still applies.

Most Miramar buyers stack two programs: (1) Florida Assist Second Mortgage—$10,000 at 0% deferred, and (2) Broward HPAP up to $75,000. Combined, they cover a 10% down payment on a $450,000 condo. NMHL certifies you for both in a single 15-minute intake; we then pair the grant with FHA 203(b) 3.5% down or Conventional 97 so you bring zero to closing. Veterans can substitute the Florida Salute Our Soldiers $35,000 grant, eliminating the need for the Broward loan and keeping your VA entitlement clear for a future investment. Teachers, nurses, and first responders earning ≤140% AMI qualify for Florida Hometown Heroes—5% of purchase price plus reduced FHA MIP; Miramar’s 33025 and 33029 ZIP codes are fully participating. We track annual funding windows—HPAP opens January and July; set a calendar reminder with us and we’ll pre-underwrite your file so you’re first in line.

A 580-credit score doesn’t relegate you to apartment living along Miramar Parkway. NMHL’s FHA tier accepts 580 with 3.5% down, and we can approve you while you’re still paying off collections over $2,000 if your debt-to-income stays under 56%. If you’re coming out of bankruptcy, the waiting period is 12 months on-time trustee payments for FHA, 24 months for Conventional. Charge-offs on medical debt are ignored entirely. We report your timely rent to credit bureaus through Esusu, boosting your score 20–40 points in four months so you can refinance into a lower MI bracket. Miramar has three HUD-approved housing-counseling agencies—Urban League of Broward, Housing Foundation of America, and Community Development of Broward—and NMHL pays the $99 counseling fee for every borrower under 640 FICO. Complete the certificate and you’ll receive a 0.125% rate credit at closing, saving roughly $35/month on a $400K loan.

With 18% of Miramar’s workforce self-employed, NMHL built a local underwriting bench that speaks 1099. Our Bank-Statement Advantage program accepts 12 or 24 months of statements; we average total deposits and apply a 50% expense factor, no tax transcripts required. Business accounts qualify with a letter from your CPA stating the expense ratio. Loan amounts go to $1 million at 660 FICO, $2 million at 700. Recent deals include a logistics broker who claimed $42K on Schedule C yet averaged $190K monthly deposits—he closed on a $575K pool home in Sunset Lakes with 15% down. We allow P&L-only files if your CPA attests to five years of stable income, cutting documentation to 30 pages instead of 300. Turn times are 48 hours for underwriting, 10 days for appraisal, and we accept Miramar’s numerous CDD fees as a qualifying housing expense.

Miramar’s veteran population—many stationed at nearby US Southern Command—fuels demand for zero-down VA loans. The 2024 zero-down limit is $766,550, so a $450K median home is comfortably covered. Neighborhoods like Monarch Landing, Isles at BayView, and Riviera Isles regularly close with VA financing. If you’re eyeing a $900K custom build in Country Club Ranches, NMHL’s VA Jumbo covers the difference: zero down up to $766,550, 25% down on the gap—total out-of-pocket about $33K instead of $180K on conventional jumbo. We absorb the VA funding fee into the rate (lender-paid 1.25% hit) so you preserve liquidity. Our in-house appraisal team prioritizes VA files, shaving a week off the timeline—critical when competing against cash investors. Plus, we’ll front up to $5,000 for the appraisal and recoup at closing, eliminating upfront cash stress.