Your Boca Raton, FL
Mortgage Broker

A local broker who knows Boca Raton block by block

Boca Raton runs the full spectrum — from country-club estates in St. Andrews, Boca West, and Woodfield to walkable downtown condos around Mizner Park to oceanfront towers along A1A. We finance buyers across every segment: jumbo on the country-club side, conventional in central Boca, condo on the beach, DSCR for the strong rental market, and Hometown Heroes for FAU staff and Boca Regional Hospital nurses. Didier Latortue (NMLS #1649918) personally reviews every Boca file. The Palm Beach County conforming loan limit for 2026 is $806,500.

Loan programs available in Boca Raton

• Conventional — 3%–20% down, best rates with 700+ credit. Fits most central Boca single-family and townhome purchases under $806,500.
• FHA — 3.5% down, credit scores down to 580. Limited in Boca because so much of the housing stock is high-end or condo (where FHA approval is required). We check FHA building approval same-day.
• VA — 0% down, no PMI. Strong fit for veteran buyers throughout central and west Boca. Building must be on the VA-approved condo list for waterfront purchases.
• Jumbo — the dominant product in country-club and waterfront Boca. Loans above $806,500. We work with portfolio lenders that handle interest-only, asset-depletion, recent self-employment income, and trust-funded buyers. Boca West, St. Andrews, Woodfield, Long Lake Estates, and Royal Palm Yacht Club routinely close jumbo.
• Condo loans — critical product in Boca. Many waterfront and downtown buildings require warrantability checks. Buildings like One Thousand Ocean, Mizner Tower, Boca Towers, Excelsior, and the Addison need building-by-building screening. We close non-warrantable condo loans through portfolio lenders when conventional doesn’t fit.
• DSCR and investor loans — Boca’s rental market is one of the strongest in Florida. DSCR qualifies on projected rent rather than personal income. Particularly common in Boca’s seasonal-rental zips (33432, 33483-adjacent).
• HELOC and cash-out refinance — for tapping equity. Boca values have appreciated meaningfully, especially in the country clubs and downtown.

Boca Raton neighborhoods we close in regularly

• Boca West (33434) — the iconic Boca country club. Jumbo dominates. Mandatory membership impacts DTI calculations.
• St. Andrews Country Club (33496) — high-end, gated, mostly estates. Jumbo + portfolio lenders.
• Woodfield Country Club (33496) — similar profile, country-club lifestyle. Jumbo.
• Royal Palm Yacht & Country Club (33432) — ultra high-end waterfront. Jumbo and ultra-jumbo portfolio products.
• Mizner Park & Downtown Boca (33432) — condo and walkable townhouse. Building warrantability is key.
• East Boca / A1A oceanfront (33432, 33487) — condo territory. Buildings vary widely in age and structural-reserve health. We screen before you offer.
• Boca Pointe (33433) — large country-club community with mixed price points. Conventional and jumbo both fit.
• Long Lake Estates, The Polo Club-adjacent (33496) — estate properties. Jumbo.
• Central Boca single-family (33431, 33486) — conventional dominates. Hometown Heroes works for qualifying public-sector buyers.
• West Boca (33498, 33428) — more affordable, family-oriented. Conventional + FHA both fit. Strong school zones.

Boca Raton condo and country-club realities

Two underwriting realities dominate Boca: condo warrantability and country-club mandatory membership. On the condo side, the post-Surfside structural-integrity reserves rules have hit many 1970s-80s Boca beachfront and downtown towers hard. Special assessments, deferred maintenance reveals, and temporary warrantability suspensions are common. On the country-club side, mandatory equity-and-dues membership at Boca West, St. Andrews, Woodfield, and others adds meaningful monthly cost that lenders include in your DTI calculation — sometimes $1,500–$4,000/month on top of taxes and insurance. We coordinate with the country club to verify dues and equity amounts before pre-approval.

Boca-specific costs you should plan for

• Property tax — Palm Beach County millage runs roughly 1.0%–1.3% of assessed value. Boca’s city-specific millage is competitive. Homestead exemption (file by March 1) drops $50,000 off taxable value once you live in the home.
• Hurricane and wind insurance — required by lenders. Coastal Boca (33432, 33487) skews high: budget $3,000–$7,000/yr for single-family, $1,500–$4,000/yr for condos depending on building age and roof. Inland Boca runs $2,000–$4,000/yr.
• Flood insurance — required east of US-1 and in FEMA AE/VE zones. Budget $500–$4,500+ depending on elevation.
• HOA / condo fees — Boca downtown condos run $1,200–$3,500/month. Country-club HOA-plus-mandatory-membership stacks $2,500–$6,000/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 the country-club membership math and Boca’s coastal-insurance realities. Pre-approval is free, soft credit pull only, no obligation.

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