Our West Palm Beach mortgage team serves borrowers across Palm Beach County—including West Palm Beach, Palm Beach Gardens, Jupiter, Wellington, Royal Palm Beach, Lake Worth, Boynton Beach, Delray Beach, Boca Raton, and nearby communities. We originate Florida home loans statewide and also help clients in Georgia, North Carolina, and South Carolina. If you’re searching for a mortgage lender in West Palm Beach or need guidance on local market norms (taxes, insurance, condos, HOAs), we can walk you through what’s typical for each neighborhood. Applications can be started online or by phone, and many steps—document upload, e‑signing, status checks—can be completed remotely for convenience.

Popular West Palm Beach home loans include Conventional mortgages (often 3%–5% down for qualified buyers), FHA loans (3.5% down with flexible credit guidelines), VA loans (typically 0% down for eligible service members), and Jumbo loans for higher-priced Palm Beach County properties. We also help with first‑time home buyer options and down‑payment assistance where available in Florida. For investors, we frequently see DSCR loans and other solutions tailored to rental properties and condos common to coastal markets. Your loan officer will outline monthly payment estimates, mortgage insurance considerations, and closing cost expectations for each option so you can compare clearly.

No—most clients start with an online mortgage application or a quick phone consultation, and we keep the process streamlined with secure uploads and e‑signatures. If you prefer, you’re welcome to meet a loan officer at our West Palm Beach office to review documents or ask questions in person. Whether you’re pursuing a home purchase loan or a refinance in West Palm Beach, we’ll help you gather what’s needed (income, assets, ID, and property details) and provide regular updates from application through “Clear to Close.” Many borrowers appreciate the flexibility of starting online and scheduling in‑person time only if needed.

Absolutely—first‑time buyers in Palm Beach County often look at Conventional loans (sometimes as low as 3% down), FHA loans (3.5% down), and Florida‑specific assistance where eligible. We’ll explain how mortgage pre‑approval works, what influences your rate (credit, loan type, down payment), and how to compare Conventional vs. FHA based on total cost, not just the rate. If you’re unsure how much you can afford, we can estimate a comfortable price range and payment—including taxes, insurance, and potential HOA/condo dues common in West Palm Beach. Our goal is to make the path to homeownership clear, with steps you can follow from pre‑approval to closing.

Begin by contacting our West Palm Beach mortgage team or submitting a quick online application to request pre‑approval. Gather recent pay stubs, W‑2s or 1099s, two months of bank statements, and a photo ID; homeowners considering a mortgage refinance should also have a recent mortgage statement and homeowners insurance info. We’ll review your goals—lower payment, faster payoff, or tapping equity—then compare options like rate‑and‑term refinance, cash‑out refinance, or a HELOC. From there, we’ll outline timelines, appraisal needs, and potential ways to strengthen your file (e.g., paying down debt or verifying assets) so you can move forward confidently in the West Palm Beach market.