Didier Latortue NMLS #1649918   Schedule a Call
Turtur Home Loans NMLS #2836215

Didier Latortue NMLS #1649918   Schedule a Call
Turtur Home Loans NMLS #2836215

Your West Palm Beach, FL
Mortgage Broker

Fast quotes. No obligation.

  • Low down payment options
  • Pre-approval letter fast
  • First-time buyer programs available

Purchase with confidence!
Fast pre-approvals!

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Turtur Home Loans NMLS #2836215 ·
No impact to credit

First-Time Buyers

  • We explain everything. No mortgage jargon
  • Pre-Approval fast
  • Help understanding Florida property Taxes & Insurance

VA Buyers

  • $0 Down payment options
  • Experienced with Florida VA loans
  • Close fast

Move-up Buyers

  • Jumbo options available
  • Needs based strategy
  • Bridge timing between sale and purchase

Why Buy in Florida Now?

  • Know exactly what you can afford
  • Lock in your buying power
  • Avoid surprises at the end (underwriting)

Why Choose Us

  • Licensed Mortgage Broker
  • FHA - VA - Conv - Non QM
  • Experienced with Florida condo approvals
  • Direct access to underwriting
  • Fast pre-approval letters

A local broker who knows West Palm Beach block by block

West Palm Beach is the largest city in Palm Beach County and the most economically diverse mortgage market in the region. You have historic single-family in El Cid and Flamingo Park, downtown high-rise condos, working-class single-family in the inland zips, and the boom of new construction along the Brightline-and-CityPlace corridor. We finance the full spectrum — conventional, FHA, VA, jumbo, condo, DSCR. Didier Latortue (NMLS #1649918) personally reviews every WPB file. Palm Beach County 2026 conforming limit: $806,500.

Loan programs available in West Palm Beach

  • Conventional — 3%–20% down, best rates with 700+ credit. Fits most WPB single-family and townhome purchases under $806,500.
  • FHA — 3.5% down, credit scores down to 580. Common in inland WPB (33405, 33407, 33409, 33415, 33417) for first-time buyers. We check FHA approval on condos same-day.
  • VA — 0% down, no PMI. Strong fit for veteran buyers. The historic El Cid + Flamingo Park homes finance cleanly under VA, subject to property condition.
  • Jumbo — for loans above $806,500. Common on the historic estates of El Cid, the SoSo (South of Southern) waterfront homes, and the larger condo penthouses downtown.
  • Condo loans — critical product downtown. Buildings like Esperante, One Watermark Place, The Edge, La Clara, and the various Flagler Drive towers need warrantability checks before offer. We screen the same day.
  • DSCR and investor loans — WPB’s rental market is strong, especially in the working-class zips with high renter demand. DSCR qualifies on projected rent rather than personal income.
  • Florida Hometown Heroes — teachers, Good Samaritan and St. Mary’s Hospital nurses, and first responders qualify. Stackable with FHA, VA, or conventional first mortgages.
  • HELOC and cash-out refinance — for tapping equity. WPB values have appreciated dramatically in the historic neighborhoods over the last 5 years.

West Palm Beach neighborhoods we close in regularly

  • El Cid (33405) — historic single-family, Spanish revival and Mediterranean styles. Conventional + jumbo. Insurance can be tricky on the oldest homes.
  • Flamingo Park (33401) — historic single-family. Walkable, mature trees. Conventional dominates.
  • SoSo — South of Southern (33405) — oceanfront-adjacent waterfront. Jumbo common.
  • Northwood Historic District (33407) — up-and-coming, mix of bungalows and small single-family. FHA, conventional, and VA all work.
  • Downtown WPB / Flagler Drive (33401) — high-rise condos. Building warrantability matters.
  • CityPlace / Rosemary Square corridor (33401) — new-construction mid-rises and condos. Generally finance cleanly.
  • Grandview Heights (33401) — charming small single-family, walkable. Conventional + FHA.
  • Pine Ridge North, Bear Lakes (33409, 33417) — mid-tier single-family, family-oriented. Conventional + FHA + VA all work.
  • Ibis Golf & Country Club (33412) — country club community in northwest WPB. Conventional + jumbo + mandatory membership.
  • Western WPB (33411, 33415) — affordable single-family. FHA + Hometown Heroes for first-time buyers.

West Palm Beach underwriting realities

WPB’s diversity creates more underwriting variability than any other Palm Beach city. Historic homes in El Cid, Flamingo Park, and Northwood often need wind-mitigation credits, 4-point inspections, and roof-age confirmation before insurance binders. Downtown condos along Flagler have warrantability variation by building — older buildings may have post-Surfside structural-reserve assessments. The newer CityPlace-adjacent buildings generally finance cleanly. In the working-class western zips, the most common underwriting issues are appraisal-comp ranges and rental-property cash-flow analysis for DSCR loans. We pre-screen all of this before contract.

WPB-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/historic WPB (33401, 33405) runs $2,500–$5,500/yr for single-family, $1,500–$3,500/yr for condos. Inland WPB $1,500–$3,500.
  • Flood insurance — required east of Dixie Highway in many places and in FEMA AE/VE zones. Coastal SoSo and El Cid carry meaningful flood exposure.
  • HOA / condo fees — downtown condos $800–$2,500/month. New-construction towers $1,500–$4,000/month. Country-club membership at Ibis $1,200–$3,000/month on top of HOA. 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 WPB’s historic-home insurance gotchas and condo warrantability variation. Pre-approval is free, soft credit pull only, no obligation.

Turtur Home Loans NMLS #2836215 · Didier Latortue NMLS #1649918 — licensed Florida mortgage broker, serving West Palm Beach, Lake Worth, Wellington, Palm Beach Gardens, and all of Palm Beach and Broward County.