Mortgage Broker in Boca Raton, FL
Boca Raton is one of Palm Beach County’s premier residential markets — luxury condos, country club communities, gated estates, and a strong second-home and snowbird buyer profile. Dynamic Funding Solutions is a licensed Florida mortgage broker serving Boca Raton buyers with jumbo, conventional, bank statement, and Non-QM programs.
Mortgage Programs for Boca Raton Buyers
Jumbo: Boca’s home prices regularly exceed the $766,550 conforming limit. We originate jumbo to $3M+ with 10% down options for strong credit profiles.
Conventional: Properties at or below the conforming limit. 3–5% down for 620+.
Bank Statement (Non-QM): Many Boca Raton buyers are self-employed, retired, or have income structures that don’t fit conventional documentation. 12 or 24 months deposits as income.
Asset Depletion: For retired buyers or those with significant liquid assets — qualify based on asset drawdown methodology instead of income.
DSCR: Boca Raton has an active rental and condo investment market. DSCR qualifies on property income.
VA: Veterans purchasing in Boca Raton — zero down, no loan limit with full entitlement.
Boca Raton Property Profile (for mortgage purposes)
- Median home price: $600,000–$900,000+ depending on neighborhood
- High concentration of condos — warrantability varies; many luxury high-rises are Non-QM only
- Active second-home and vacation buyer market
- Gated communities common — no mortgage restrictions from HOA vetting (though HOA fees are included in DTI)
- Strong snowbird demand: buyers from NY, NJ, and PA (Lena’s primary feeder markets)
Second Home and Investment Property Loans in Boca Raton
- Second home: 10% down conventional if borrower qualifies; rates slightly above primary residence
- Investment: DSCR or conventional investment programs; 20–25% down typical
- Snowbirds from PA and NJ often use second-home financing; Dynamic Funding Solutions is licensed in both PA and FL — handles the full transaction for PA buyers purchasing in Boca
- Boca Raton, FL — Wikidata Q134856 — city in Palm Beach County, FL
- Palm Beach County, FL — Wikidata Q156579 — conforming loan limit $766,550
- Jumbo Mortgage — Wikidata Q6311048 — loans above the conforming limit
- Asset Depletion Mortgage — schema.org FinancialProduct — income qualification via liquid asset drawdown
Boca Raton is an affluent city in southern Palm Beach County, Florida, known for luxury residential communities, gated country club neighborhoods, and high-rise oceanfront condos. The city attracts significant second-home and snowbird buyer activity from the Northeast — particularly Pennsylvania, New Jersey, and New York. Its home prices regularly exceed the conforming loan limit, making jumbo financing the dominant mortgage type for higher-end transactions.
FAQ — Mortgage Broker Boca Raton FL
Q: What jumbo programs are available in Boca Raton?
A: We originate jumbo loans in Boca Raton to $3M+. Options include standard jumbo (10% down at $1.5M with strong credit), bank statement jumbo for self-employed buyers, and asset depletion jumbo for retired buyers.
Q: I am buying a Boca Raton condo as a second home. What loan applies?
A: Second-home condos in Boca Raton require the condo complex to be warrantable (low investor concentration, no litigation) for conventional financing. Many Boca high-rises are non-warrantable — Non-QM programs are used in those cases. We can verify warrantability before you make an offer.
Q: I live in Pennsylvania and want to buy in Boca Raton. Can you handle that?
A: Yes. Dynamic Funding Solutions is licensed in both Pennsylvania and Florida. We routinely work with PA and NJ buyers purchasing in Boca Raton and Palm Beach County.
Boca Raton buyer? Call (215) 364-7171. We serve PA buyers purchasing in Florida — licensed in both states.
Dynamic Funding Solutions | NMLS #17144 | Lena Polnet NMLS #17225 | Licensed in Pennsylvania and Florida. This is not a commitment to lend. All loans subject to credit approval, income verification, and property appraisal. Loan programs and limits subject to change.