Royal Palm · Mizner Park · East Boca

Boca Raton
Mortgages

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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, we compare options across C2 Financial's 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 offer a low down payment and have flexible credit guidelines; minimum scores vary by lender.
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? +
Timelines depend on the loan program, appraisal, title and how quickly documents come in. We will map out a realistic timeline for your contract before you commit.
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. We have 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
Low down payment and flexible credit; minimum scores vary by lender. FHA loan limit in Palm Beach County is $667,000.
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Part of Palm Beach County · South Florida · Lending across Florida