Relocating professionals, retirees, and move up buyers in Palm Beach County. Jumbo and conventional lending with a broker who shops 45 lenders for you.
West Palm Beach has become one of the most watched housing markets in Florida, and the reason is simple: money and jobs have been moving here. Financial firms relocating from New York have earned the downtown corridor a reputation as Wall Street South, and the professionals who came with them have brought sustained demand for housing at every level. The city pairs a walkable downtown along Clematis Street and the waterfront with historic neighborhoods like El Cid, Flamingo Park, and Northwood, where Mediterranean revival homes from the 1920s sit under old oaks a few minutes from the office towers. With a median sale price around $512,000, West Palm offers a meaningful discount to the island of Palm Beach across the lagoon while sharing the same weather, water, and quality of life.
The upper end of this market runs on jumbo financing. Waterfront homes, the historic districts, and the newer luxury condo towers downtown regularly trade above the 2026 conforming limit of $832,750. Jumbo lenders differ widely on rates, reserve requirements, and how they treat complex compensation, which matters in a market full of finance professionals with bonus and equity income. As an independent broker with access to 45 wholesale lenders, I shop that market on your behalf and structure the application around how you are actually paid.
Retirees and second home buyers remain a cornerstone of Palm Beach County, and the financing details deserve attention. Second homes can be financed with as little as 10 percent down at rates close to primary pricing. Condo purchases carry an extra layer: lenders review the association's budget, reserves, insurance, and structural condition, and buildings that fall short of conventional standards need specialty lenders. I vet the building before you go under contract, and I check flood zone status early so insurance costs never surprise you in underwriting.
Self employed buyers and investors complete the picture. Bank statement and 1099 programs qualify business owners on actual cash flow rather than tax returns. DSCR loans qualify rental properties on the income they produce, a natural fit for a county with deep seasonal and year round rental demand. And if you are buying from out of state, the entire process runs digitally, so you do not need to be in Florida until closing day.
Jumbo for the waterfront and the historic districts, second home and condo programs for the retirees, and bank statement options for the entrepreneurs who followed the money south.
See All Loan OptionsMarket figures are approximate and change over time. The $832,750 figure is the 2026 baseline conforming loan limit for one-unit homes (Palm Beach County is a standard-limit county; source: FHFA). This is general information, not a rate quote or loan commitment.
West Palm Beach is in Palm Beach County, a standard limit county. The 2026 conforming loan limit is $832,750 for a single family home. The waterfront, the historic districts, and the luxury towers regularly trade above that, which means jumbo financing. I shop jumbo across 45 wholesale lenders so you see the market, not one bank's answer.
Lenders treat bonus, RSU, and commission income differently, and the differences can change what you qualify for by a wide margin. This comes up constantly with buyers relocating here in finance roles. I structure the application around how you are actually paid and place it with the lender who treats that income most favorably.
Yes. Second homes can be financed with as little as 10 percent down at rates close to primary pricing. For condos, the building has to qualify too. Lenders review the association's budget, reserves, insurance, and structural condition, and I vet the building before you go under contract so the financing path is clear before your deposit is at risk.
Yes. Bank statement loans use 12 or 24 months of deposits instead of tax returns, and 1099 programs work from gross contractor income. These programs exist because tax returns often understate what a business owner actually earns. One conversation is usually enough to find the right structure.
Yes. Relocations are a core part of my Florida business. Pre approval through closing prep runs digitally, and you do not need to be in Florida until closing day. Call or text (770) 401-1759 to get started before your move.
Let's find the right loan for West Palm Beach. Jumbo, second home, or conventional. A real pre approval from a broker who shops the market for you.
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