Palm Beach mortgage broker, super-jumbo, foreign LLC, every luxury angle.

Palm Beach County's 2026 conforming loan limit is $832,750 for a single-family home, the standard Florida limit. The county is not designated a high-cost area (unlike Monroe County in the Keys, which is $990K). Virtually all Palm Beach island transactions, and most Boca/Delray/Jupiter deals, exceed $832,750 and require jumbo financing. We handle loans from $832,751 all the way to $20M+.

Yes. Palm Beach Island draws significant international buyer volume from Latin America, Europe, Canada, and the Middle East. We have purpose-built Foreign National programs, typically 25 to 35% down, no U.S. credit required, LLC closing available, and foreign income documentation used in lieu of U.S. tax returns. ITIN-holder programs are also available for buyers with a U.S. Individual Taxpayer Identification Number. Every foreign national deal is different; contact us to discuss your specific citizenship/residency situation.

Yes. Post-Surfside (2021), many South Florida condo towers have become non-warrantable, meaning Fannie Mae and Freddie Mac won't guarantee the loans. Causes include: insufficient reserve funding, pending Milestone Phase 2 inspections under Florida's condo safety law, high investor ratios, or pending litigation. We have portfolio lender and non-QM relationships that close these deals, at a modestly higher rate, but the deal closes. We strongly recommend verifying warrantability before going under contract, especially in Boca Raton, downtown WPB, and Singer Island buildings.

Minimum down varies by loan size and borrower profile:

• 5% down, jumbo up to ~$1.5M, 720+ FICO, full-doc income
• 10 to 15% down, jumbo $1.5M to $3M, standard qualification
• 20 to 30% down, super-jumbo $3M+ or complex income
• 25 to 35% down, foreign national programs

We run every scenario to find the minimum down for your loan size, property type, and borrower profile before you're under contract.

Yes, we lend throughout all of Palm Beach County. Jupiter, Tequesta, and Juno Beach in the north (waterfront, boating community, strong comp set). Palm Beach Gardens and Lake Park in the middle. Boynton Beach, Delray, Boca Raton in the south. Same specialist approach, jumbo, investor, foreign national, and complex deal structure, regardless of which sub-market in the county.