Mortgage Lender in West Palm Beach, Florida
Home Financial Group serves West Palm Beach and Palm Beach County with FHA, VA, conventional, jumbo, and self-employed mortgage programs.
Mortgage Services in West Palm Beach
West Palm Beach and Palm Beach County represent one of South Florida's premier housing markets. From the luxury estates of Palm Beach Island and Jupiter to the vibrant downtowns of West Palm Beach and Delray Beach, the county spans a wide range of price points. Palm Beach County's higher FHA loan limit of $621,000 reflects the area's elevated property values. Home Financial Group serves the entire county with programs suited to first-time buyers, move-up purchasers, self-employed professionals, and investors.
Loan Programs in West Palm Beach
From government-backed programs to self-employed mortgage solutions, we offer a full range of options for Palm Beach County borrowers.
FHA Loans in West Palm Beach
Low down payment government-backed loans for Palm Beach County buyers
Learn more →VA Loans in West Palm Beach
Zero-down mortgage benefits for veterans in the Palm Beach area
Learn more →Conventional Loans in West Palm Beach
Competitive rates for qualified Palm Beach County borrowers
Learn more →Refinance in West Palm Beach
Lower your rate or access equity on your Palm Beach County property
Learn more →Self-Employed Mortgage in West Palm Beach
Alternative documentation programs for Palm Beach County business owners
Learn more →Neighborhoods We Serve in West Palm Beach
Home Financial Group provides mortgage financing across West Palm Beach and surrounding Palm Beach County communities.
Palm Beach County Market Overview
Median Home Price
$520,000
Property Tax Rate
Approximately 1.9% of assessed value (Palm Beach County)
What Buyers Should Know About Palm Beach County
- Palm Beach County FHA loan limit: $621,000 for single-family homes
- Jumbo loan territory for many Palm Beach Island and Jupiter properties
- Strong equestrian market in Wellington with unique property needs
- Active 55+ communities in Boynton Beach and Delray Beach
- Significant seasonal and international buyer presence
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Frequently Asked Questions About West Palm Beach Mortgages
The FHA loan limit for a single-family home in Palm Beach County is $621,000. This higher limit applies to all cities in the county including West Palm Beach, Boca Raton, Delray Beach, Jupiter, and Wellington.
Many properties in Palm Beach Gardens and Jupiter exceed the conforming loan limit of $766,550. If your loan amount is above this threshold, you will need a jumbo loan. Home Financial Group offers jumbo financing with competitive rates for qualified borrowers.
Wellington's equestrian properties often require specialized financing due to acreage, barns, and other improvements that do not fit standard appraisal models. We work with programs that accommodate these property types within Palm Beach County.
Yes. VA loans are available throughout Palm Beach County for eligible veterans, active-duty service members, and surviving spouses. The VA does not set a county loan limit for borrowers with full entitlement, which can be beneficial in this higher-cost market.
Seasonal buyers purchasing a second home in Palm Beach County can use conventional financing or self-employed programs. The property must be classified as a second home rather than investment property to access standard second-home rates.
Related Resources
Jumbo Loans in Florida
Financing above conforming limits for high-value properties
Learn MoreFort Lauderdale Mortgage Lender
Mortgage services in neighboring Broward County
Learn MoreSelf-Employed Mortgage Programs
Alternative documentation loans for business owners
Learn MoreLoan Comparison Calculator
Compare FHA, VA, and conventional side by side
Learn MoreFlorida Closing Costs Guide
County-by-county closing cost breakdown
Learn MorePre-Approval Guide
Learn what to expect during the pre-approval process
Learn MoreGet Pre-Approved for a West Palm Beach Home
Whether you are buying your first home or refinancing in West Palm Beach, Home Financial Group is here to help. Contact us today to speak with an experienced loan officer.