Jumbo Loans in West Palm Beach – Luxury Home Financing

With many West Palm Beach homes exceeding federal loan limits, CTC Mortgage offers jumbo loans designed for the area’s upscale real estate market. If your dream home requires more financing than a standard mortgage allows, our jumbo programs provide the flexible solutions you need to buy or refinance luxury property across Palm Beach County.

Understanding Jumbo Loans in Palm Beach County

A jumbo loan is any mortgage amount above the conforming loan limit set by Fannie Mae and Freddie Mac. For 2025, that means any loan over $806,500 in Palm Beach County qualifies as “jumbo.” These loans are the go-to choice for buyers looking to purchase or refinance high-value properties that exceed standard guidelines.

Key Benefits of Jumbo Loans with CTC

Multi-Million Dollar Financing

Loans available for amounts well above $806,500; CTC’s network can secure multi-million-dollar mortgages for primary, second homes, and investment properties.

Flexible Down Payments

Options as low as 10–20% down for well-qualified buyers.

Competitive Jumbo Rates

Enjoy rates often within 0.25% of conforming mortgages.

No PMI Over 20% Down

Avoid private mortgage insurance when you put 20% down or more.

Tailored Approval

Portfolio and specialty loan options for unique scenarios, including self-employed, business owners, and complex asset structures.

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How to Qualify for a Jumbo Mortgage in West Palm Beach

Jumbo loans have stricter standards than smaller loans—typically requiring a 700+ credit score, larger down payments, and proof of significant assets or reserves. Our jumbo specialists will guide you through documentation, credit, and income review so you’re ready to secure your ideal property.


If you’re unsure which loan fits your purchase, use our loan comparison calculator or speak with an expert for tailored advice.

West Palm Beach’s Premier Homes—Jumbo Financing for Every Neighborhood

Palm Beach County boasts Florida’s most sought-after real estate, from waterfront estates on Palm Beach Island to luxury condos downtown and equestrian properties in Wellington. CTC Mortgage understands the unique needs of high-net-worth clients—including appraisal, title, and insurance requirements for luxury properties. Whether you’re buying a penthouse, investment property, or refinancing, we provide seamless, discreet service.

Your Trusted Partner for Jumbo Loans in West Palm Beach

CTC Mortgage has helped buyers close on luxury homes and condos throughout West Palm Beach and Palm Beach County. Our reputation for service, discretion, and complex jumbo financing is unmatched—no matter your loan size or scenario.

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Jumbo Loan FAQ – West Palm Beach

Frequently Asked Questions

  • What’s the jumbo loan limit in Palm Beach County?

    For 2025, loans over $806,500 are classified as jumbo in Palm Beach County. For even larger amounts, explore our portfolio loan options.

  • How much down payment is needed for a jumbo loan?

    Standard programs usually require 20% down, but some buyers may qualify for as little as 10%—ask us about requirements for your scenario.

  • Can I get a jumbo loan for a second home or investment property in West Palm Beach?

    Yes, CTC offers jumbo options for second homes and investment properties, though guidelines are stricter.

  • Are jumbo loans harder to get approved?

    Jumbo loans require higher credit scores, strong income, and larger reserves, but our team’s experience streamlines the process.

  • Do jumbo loans in Florida have any special requirements?

    While not state-specific, factors like higher insurance costs and flood zones may affect approval. We’ll guide you through Florida’s unique jumbo loan landscape.

Secure Your Luxury Home With CTC’s Jumbo Loan Experts

Ready to move forward? Start with a rate quote or confidential call—our jumbo mortgage team makes it easy to buy your dream home in West Palm Beach.