To obtain HPA funds, the first mortgage loan must meet the guidelines below. Use our free Broward County, Florida mortgage closing costs calculator to quickly estimate your closing expenses on your home mortgage.If the property is mortgaged, tax is generally due on half of the outstanding balance of the mortgage(s) encumbering the property. The seller should not use a form mortgage. The seller should use a mortgage specifically drafted for the needs of an individual acting as a lender. Get in Touch​​ Fill out the contact form or call us at (305) 531-2545 or (888) 400-ATTY (2889) to schedule your free consultation. Learn more about Broward County and Fort Lauderdale Real Esate Law Attorney Jospeh Hughes and get the necessary assistance that you need today. INVESTMENT IN A REDUCED INTEREST CD (e.g. Over a 3 year period, each member must complete 30 hours, 5 of which are in the area of ethics, professionalism, substance abuse, or mental illness awareness. These forms will require that you enter information that had a drop down menu option when completing the Smart Forms.