Royal Palm · Mizner Park · East Boca

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Boca Raton is one of South Florida's most affluent markets — gated golf communities, luxury condos, and Intracoastal estates that frequently call for jumbo and second-home financing. From Royal Palm Yacht Club to East Boca to Mizner Park, Nick shops 100+ wholesale lenders to structure the rate and program that fits your purchase.

Serving: Royal Palm Yacht Club · East Boca · Boca West · Mizner Park · Old Floresta · The Sanctuary · Boca Bridges

Boca Raton, Florida

Common Questions

Boca Raton Mortgage FAQ

What is the conforming loan limit in Palm Beach County for 2026? +
The 2026 conforming loan limit for Palm Beach County is $832,750 for a single-family home. Loans above this threshold require a jumbo mortgage with different qualification requirements.
What is the FHA loan limit in Palm Beach County? +
The 2026 FHA loan limit for a single-family home in Palm Beach County is $667,000. FHA loans require as little as 3.5% down with a 580+ credit score.
Can I get a DSCR loan for a Boca Raton vacation rental? +
Yes. Boca Raton's short-term rental market — particularly East Boca, Mizner Park, and the beach — is strong enough that DSCR loans frequently work well. Lenders use either actual leases or a market rent analysis to determine qualifying income.
How long does it take to close on a home in Boca Raton? +
A typical purchase closes in 21–30 days with conventional financing. Jumbo loans can take 30–45 days. DSCR investment loans can close in as few as 14–21 days with the right lender.
Do you work with buyers on waterfront and gated-community properties? +
Yes — and knowing the nuances matters. Condos on barrier islands often require non-warrantable condo financing. Flood zone designations affect insurance requirements and costs, which factor into DTI calculations. Nick has experience with coastal Boca Raton property requirements.

Programs Available in Boca Raton

Find Your Loan Type

DSCR Loans
Qualify on rental income — no W-2s or tax returns required. Ideal for Boca Raton investment properties and vacation rentals.
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Jumbo Loans
Financing above $832,750 for Royal Palm Yacht Club, The Sanctuary, Boca West, and Boca Raton's luxury waterfront market.
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FHA Loans
3.5% down with a 580+ credit score. FHA loan limit in Palm Beach County is $667,000.
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Ready When You Are

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