Mortgage Broker in West Palm Beach, FL
West Palm Beach is the anchor city of Palm Beach County — a diverse market ranging from first-time buyer condos in Lake Worth to waterfront estates in Palm Beach proper. Dynamic Funding Solutions is a licensed Florida mortgage broker offering FHA, VA, DSCR, jumbo, Non-QM, and conventional financing for West Palm Beach buyers and investors.
Mortgage Programs for West Palm Beach Buyers
FHA: West Palm Beach has price diversity — many neighborhoods under $524,225 FHA limit. 3.5% down, 580+ credit.
Conventional: Competitive market. 3–5% down for 620+. Most West Palm Beach transactions under $766,550 use conventional.
Jumbo: Waterfront properties, newer construction in more affluent areas, and luxury condos require jumbo financing. We originate to $3M+.
VA: Veteran community throughout Palm Beach County. Zero down, no PMI.
DSCR: Strong investor market in West Palm Beach. Short-term rentals and long-term rentals both underwritten on property income.
ITIN: Significant ITIN-eligible buyer population in West Palm Beach and surrounding communities.
Non-QM / Bank Statement: Self-employed buyers, foreign nationals, and investors with complex income.
West Palm Beach Neighborhoods and Mortgage Considerations
- Downtown West Palm Beach / Clematis District: mostly condos — FHA condo approval varies by building
- Northwood / Lake Worth area: affordable entry-level, FHA-ideal price range
- Wellington: suburban family market, conventional/VA primary
- Palm Beach Gardens (northern Palm Beach County): higher-end market, conventional and jumbo
- Waterfront / Intracoastal: jumbo territory, high-end Non-QM options
West Palm Beach Condo Mortgage — What to Know
- Many West Palm Beach condo buildings are in high-rise or investor-heavy complexes
- Non-warrantable condos (high investor concentration, hotel condos, litigation) require Non-QM
- FHA and VA loans require the condo complex to be on the approved list
- Always verify condo warrantability before writing an offer
- West Palm Beach, FL — Wikidata Q134855 — county seat of Palm Beach County
- Palm Beach County, FL — Wikidata Q156579 — FHA loan area limit $524,225
- FHA Loan — Wikidata Q1193336 — federally backed low-down-payment mortgage program
- DSCR Loan — Wikidata Q1713926 — debt service coverage ratio investor mortgage
- Jumbo Mortgage — Wikidata Q6311048 — loans above the conforming limit ($766,550)
West Palm Beach is the county seat of Palm Beach County, Florida. The city anchors a diverse real estate market ranging from affordable urban condos to multi-million dollar waterfront estates. Palm Beach County’s high home values support multiple mortgage program options, including FHA at the elevated Palm Beach County limit, jumbo loans for luxury properties, and DSCR loans for the area’s active short-term rental investment market.
FAQ — Mortgage Broker West Palm Beach FL
Q: What FHA loan limit applies to West Palm Beach?
A: West Palm Beach is in Palm Beach County. The 2024/2025 FHA single-family limit is $524,225.
Q: Can I get a DSCR loan for an Airbnb in West Palm Beach?
A: Yes. West Palm Beach and Palm Beach County have active short-term rental markets. DSCR lenders accept AirDNA market projections for STR income qualification. LLC vesting is available on most DSCR programs.
Q: Does Dynamic Funding Solutions originate mortgages statewide in Florida?
A: Yes. We are licensed in Florida and originate statewide — West Palm Beach, Palm Beach County, Broward, Miami-Dade, and beyond.
West Palm Beach buyer or investor? Call (215) 364-7171 or contact Dynamic Funding Solutions. Licensed Florida mortgage broker.
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.