El Cid · Northwood · Downtown

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West Palm Beach blends year-round residents with a strong seasonal and investor market, and lenders price loans differently across its neighborhoods. From El Cid and Northwood to the Intracoastal condos and Palm Beach island nearby, Nick shops 100+ wholesale lenders to match the rate and program to your exact scenario — primary, second home, or investment.

Serving: El Cid · SoSo · Northwood · Flamingo Park · Grandview Heights · Downtown · Palm Beach

West Palm Beach, Florida

Common Questions

West Palm Beach 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 West Palm Beach vacation rental? +
Yes. West Palm Beach's short-term rental market — particularly downtown, El Cid, and the Intracoastal — 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 West Palm Beach? +
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 Intracoastal condos? +
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 West Palm Beach property requirements.

Programs Available in West Palm Beach

Find Your Loan Type

DSCR Loans
Qualify on rental income — no W-2s or tax returns required. Ideal for West Palm Beach investment properties and vacation rentals.
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Jumbo Loans
Financing above $832,750 for Palm Beach, El Cid, Northwood, and West Palm Beach'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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