Mortgage Broker in Palm Beach Gardens, FL
Palm Beach Gardens is one of Palm Beach County’s premier communities — master-planned neighborhoods, country clubs and golf communities, proximity to PGA National, and a residential market that often pushes into jumbo territory. Dynamic Funding Solutions is a licensed Florida mortgage broker serving Palm Beach Gardens buyers with jumbo, conventional, VA, and second-home programs.
Mortgage Programs for Palm Beach Gardens Buyers
Conventional: PBG’s mainstream residential. 3–5% down for 620+. Conforming limit in Palm Beach County: $766,550.
Jumbo: PBG’s golf and country club communities, waterfront, and luxury tier regularly exceed conforming limits. We originate jumbo to $3M+.
VA: Veterans purchasing in PBG — zero down, no loan limit with full entitlement.
Bank Statement: Many Palm Beach Gardens buyers are business owners, executives, or self-employed professionals. Bank statement programs available.
Second Home: Snowbird and seasonal buyers from northeast US. 10% down second-home programs.
Asset Depletion: Retired buyers in PBG with significant assets but limited earned income.
Palm Beach Gardens Market
- PGA National Resort & Spa area — golf community housing market
- Mirasol, Frenchman’s Creek, Frenchman’s Reserve — high-end gated communities
- Alton and newer planned communities — active family buyer market
- Strong relocation from Northeast (PA, NJ, NY, CT) — matches DFS’s PA licensure
- Price range: $500,000–$3M+ depending on community and size
Snowbird and Second-Home Financing in Palm Beach Gardens
Many PBG buyers are Pennsylvania, New Jersey, and New York professionals buying a second home. Second-home loans require 10% down with rates slightly above primary residence. The property must be a reasonable distance from your primary residence. Dynamic Funding Solutions is licensed in both PA and FL — we handle cross-state transactions routinely. NY/NJ/PA buyers moving to PBG know our reputation through the PA mortgage market.
FAQ — Mortgage Broker Palm Beach Gardens FL
- What jumbo programs are available in Palm Beach Gardens?
- We originate jumbo in PBG to $3M+ with 10% down options for strong credit (680+) and sufficient reserves. Bank statement jumbo and asset depletion programs also available for non-traditional income buyers.
- I live in Pennsylvania and want to buy in Palm Beach Gardens as a second home. Can you handle both?
- Yes. This is one of Dynamic Funding Solutions’ most common scenarios — licensed in both PA and FL, we handle the Florida second-home mortgage for PA-based buyers routinely.
- Do country club and HOA communities in PBG affect my mortgage?
- No restrictions on mortgage eligibility from HOA membership. However, HOA fees are included in your DTI calculation, which affects your maximum loan amount. Factor in HOA fees when determining your price range.
Palm Beach Gardens buyer? Jumbo, second home, or retirement — call (215) 364-7171. PA and FL licensed.
Dynamic Funding Solutions | NMLS #17144 | Lena Polnet, NMLS #17225 | Licensed in Pennsylvania and Florida. This is not a commitment to lend. All loan programs subject to credit approval, property eligibility, and applicable guidelines.