Your Delray Beach, FL
Mortgage Broker

A local broker who knows Delray Beach block by block

Delray Beach has earned its “Most Fun Small Town in America” reputation through Atlantic Avenue’s restaurants, the beach, the Lake Ida historic homes, and the country-club western half. The financing reality matches the diversity: walkable downtown condos, historic single-family in Pineapple Grove and Lake Ida, country-club homes in Mizner Country Club and the Polo Club, and beachfront condos along A1A. We finance the full spectrum — conventional, FHA, VA, jumbo, condo, DSCR. Didier Latortue (NMLS #1649918) personally reviews every Delray file. Palm Beach County 2026 conforming limit: $806,500.

Loan programs available in Delray Beach

• Conventional — the dominant program in central and west Delray. 3%–20% down, best rates with 700+ credit. Fits most Lake Ida, Tropic Isle, Sea Gate, and central Delray single-family under $806,500.
• FHA — 3.5% down, credit scores down to 580. Works in selected central Delray neighborhoods and FHA-approved condo buildings. We check building approval same-day.
• VA — 0% down, no PMI. Strong fit for veteran buyers throughout Delray. Building must be on the VA-approved condo list for beachfront purchases.
• Jumbo — for loans above $806,500. Common in Mizner Country Club, the Polo Club, oceanfront condos, and the larger Lake Ida and Tropic Isle waterfront homes. Portfolio lenders we work with handle interest-only, asset-depletion, and self-employment income.
• Condo loans — critical for downtown and beachfront Delray. Building warrantability varies: newer Pineapple Grove condos generally finance cleanly, older A1A towers need warrantability checks. We screen before you offer.
• DSCR and investor loans — Delray’s rental market is one of the strongest in Palm Beach County, especially seasonal rentals near Atlantic Avenue and the beach. DSCR qualifies on projected rent.
• Florida Hometown Heroes — teachers, nurses (Delray Medical Center), and first responders qualify. Stackable with FHA, VA, or conventional first mortgages.
• HELOC and cash-out refinance — for tapping equity. Delray values have appreciated meaningfully, especially in historic Lake Ida and downtown-adjacent neighborhoods.

Delray Beach neighborhoods we close in regularly

• Lake Ida (33444) — historic single-family, mature trees, walkable to downtown. Conventional + jumbo. Some homes pre-1950 need wind-mitigation credits.
• Pineapple Grove & Downtown Delray (33444) — condos, townhomes, walkable. Building warrantability matters.
• Tropic Isle (33483) — waterfront single-family with boat access. Jumbo common.
• Sea Gate (33483) — oceanfront / near-ocean estates. Jumbo.
• A1A Beachfront condos (33483) — condo territory. Older buildings need warrantability + structural-reserve screening.
• Mizner Country Club (33446) — country club community, mandatory membership. Jumbo and conventional both fit depending on price point.
• Polo Club of Boca Raton (Delray-adjacent, 33446) — large country club. Jumbo dominates.
• Hamlet, Delaire (33445, 33446) — established country club neighborhoods. Conventional + jumbo.
• Andover, Lakeview Estates, Rainberry Bay (33445) — family-oriented mid-tier single-family. Conventional + FHA + VA all work.
• West Delray / Gleneagles, Stonebridge (33484, 33446) — gated communities, varied price points. Conventional + jumbo.

Delray Beach underwriting realities

Three things shape Delray financing: condo warrantability on the older beachfront towers, country-club mandatory membership dues, and the historic-home insurance gotchas in Lake Ida. The post-Surfside structural-integrity reserves rules have affected many of Delray’s pre-1995 oceanfront buildings; we pull HOA financials and master insurance summaries before you offer. On the country-club side, mandatory equity-and-dues membership in Mizner CC, Polo Club, and Hamlet adds meaningful monthly cost that lenders include in your DTI. For historic Lake Ida homes, roof age, wind-mitigation credits, and occasionally mature-tree-root foundation impact need pre-screening before the appraisal.

Delray-specific costs you should plan for

• Property tax — Palm Beach County millage roughly 1.0%–1.3% of assessed value. Homestead exemption (file by March 1) drops $50,000 off taxable value.
• Hurricane and wind insurance — required by lenders. Coastal Delray (33483) skews high: budget $2,500–$6,000/yr for single-family, $1,500–$3,500/yr for condos. Inland Delray (33444, 33445, 33446, 33484) runs $1,500–$3,500.
• Flood insurance — required east of US-1 and in FEMA AE/VE zones. Tropic Isle, Sea Gate, and A1A blocks carry meaningful flood exposure.
• HOA / condo fees — Pineapple Grove condos $600–$1,800/month. Beachfront condos $1,200–$3,500/month. Country-club mandatory-membership stacks $2,000–$5,000/month. All counts in DTI.
• Florida doc stamps + intangible tax — $0.35 per $100 of note + 0.2% intangible tax. Standard FL closing costs.

How to start

Fill out the form on this page or call (754) 224-5704. We’ll have a 15-minute conversation, run the numbers, and tell you exactly which loan programs you qualify for and what your real monthly payment looks like — including Delray’s coastal-insurance realities and country-club membership math. Pre-approval is free, soft credit pull only, no obligation.

Turtur Home Loans NMLS #2836215 · Didier Latortue NMLS #1649918 — licensed Florida mortgage broker, serving Delray Beach, Boca Raton, Boynton Beach, and all of Palm Beach and Broward County.