Mortgages for Buyers
Across Palm Beach County

One broker, every city in Palm Beach County

From Boca Raton’s country clubs to Jupiter’s coastal homes to Wellington’s equestrian estates to Lake Worth’s working-class neighborhoods, Palm Beach County has the most economically and culturally diverse housing market in Florida. Turtur Home Loans works across all of it. We’re a local Broward + Palm Beach-focused brokerage — Didier Latortue (NMLS #1649918) personally reviews every Palm Beach County file. The 2026 conforming loan limit for Palm Beach County is $806,500 (same as Broward).

Loan programs available across Palm Beach County

• Conventional — 3%–20% down, best rates with 700+ credit. The dominant program in central Palm Beach County. Fits most single-family and townhome purchases under $806,500.
• FHA — 3.5% down, credit scores down to 580. Common for first-time buyers in West Palm Beach, Lake Worth, Boynton Beach, and Greenacres. We screen FHA condo approval per building.
• VA — 0% down, no PMI. Strong fit for veteran buyers throughout the county. Plenty of military retirees relocate to Palm Beach Gardens, Jupiter, and Lake Park.
• Jumbo — for loans above $806,500. The dominant product in coastal and country-club Palm Beach: Boca West, St. Andrews, Royal Palm Yacht Club, Mizner Country Club, Polo Club, Old Palm, Trump National, BallenIsles, Mirasol, Bear’s Club, Admirals Cove. Portfolio lenders we work with handle interest-only, asset-depletion, and self-employment income.
• Condo loans — critical product on the coast (Boca, Delray, Highland Beach, Singer Island, Jupiter Inlet). Building warrantability varies by age; older 1970s-80s towers need post-Surfside structural-reserve screening.
• DSCR and investor loans — Palm Beach County has strong rental demand, especially seasonal. DSCR qualifies on projected rent.
• Florida Hometown Heroes — teachers, nurses (Good Samaritan, Bethesda, Jupiter Medical), and first responders qualify. Stackable with FHA, VA, or conventional.
• HELOC and cash-out refinance — for tapping equity. PBC values have appreciated significantly over the last 5 years, especially in coastal and country-club neighborhoods.

Palm Beach County cities we close in regularly

• Boca Raton — country clubs, downtown condos, oceanfront. Jumbo + condo dominant.
• Delray Beach — historic single-family, Atlantic Avenue condos, country clubs. Mixed product.
• Boynton Beach — affordable single-family + new construction. FHA + conventional + VA.
• Lake Worth Beach — historic walkable bungalows, condos along the Intracoastal. FHA + conventional.
• Greenacres / Lake Worth (unincorporated) — affordable single-family. FHA + VA + Hometown Heroes.
• West Palm Beach — everything from El Cid historic to Flagler Drive condos to inland affordable.
• Palm Beach Gardens — mid-tier to high-end, BallenIsles, Mirasol, Old Palm, Frenchman’s Creek. Conventional + jumbo.
• Jupiter — coastal single-family and condos. Conventional + jumbo + condo warrantability checks.
• Wellington — equestrian estates, country clubs. Often jumbo.
• Royal Palm Beach & Loxahatchee — family-oriented single-family. Conventional + FHA + VA.
• Tequesta — coastal North County. Conventional + jumbo + condo.
• Lake Park, Riviera Beach, Singer Island — mix of affordable, oceanfront, condos.

Palm Beach County underwriting realities

Three patterns repeat across the county. First, coastal condo warrantability post-Surfside — Boca, Delray, Highland Beach, Singer Island, Jupiter Inlet all have older buildings with structural-reserve issues or special assessments. We screen building-by-building. Second, country-club mandatory membership at Boca West, St. Andrews, Mizner CC, Polo Club, BallenIsles, Mirasol, Frenchman’s Creek, Old Palm, and similar adds meaningful monthly cost that lenders include in your DTI calculation. Third, equestrian-property financing in Wellington requires specialty lenders that understand barn-and-arena value carve-outs — we have those relationships.

Palm Beach County-specific costs you should plan for

• Property tax — Palm Beach County millage runs roughly 1.0%–1.3% of assessed value, varying by city and municipal services. Homestead exemption (file by March 1) drops $50,000 off taxable value.
• Hurricane and wind insurance — required by lenders. Coastal PBC runs $3,000–$7,000/yr for single-family, $1,500–$4,000/yr for condos. Inland PBC runs $1,500–$3,500/yr.
• Flood insurance — required east of US-1 in many places and in FEMA AE/VE zones. The coastal cities carry the most flood exposure.
• HOA / condo / country-club fees — vary widely. Coastal condos $1,000–$3,500/month. Country-club mandatory membership $2,000–$8,000/month. Mid-tier HOAs $200–$700/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 in your target Palm Beach city. Pre-approval is free, soft credit pull only, no obligation.

Turtur Home Loans NMLS #2836215 · Didier Latortue NMLS #1649918 — licensed Florida mortgage broker, serving every city in Palm Beach County (Boca Raton, Delray Beach, Boynton Beach, Lake Worth, West Palm Beach, Wellington, Jupiter, Palm Beach Gardens, and more) plus all of Broward County.