Mortgage Broker
in Palm Beach, FL
Palm Beach is one of the most exclusive coastal markets in the country. We help you plan financing for jumbo and luxury properties where list prices start where many other markets top out.
A luxury coastal market
with multi-million-dollar medians.
Redfin describes the Palm Beach housing market as not very competitive. Over the three months ending July 2026, the median sale price was about $2.5M, down 19.4 percent year over year, and homes sold in around 108 days on average compared with 155 days a year earlier.
The median sale price per square foot was about $1,480, up 12.4 percent year over year. There were 138 homes sold in July 2026, up from 79 the prior year. Read that median swing carefully: with price per square foot rising while the median falls, the drop reflects a shift in the mix of what sold, more condos and fewer estates, rather than a broad decline in island values. In a market this thin, headline medians move with each quarter's sales mix. By contrast, Palm Beach County overall had a February 2026 median around $525,000, down 3.7 percent year over year with roughly 93-day timelines, highlighting just how different the island is from the broader county.
“Palm Beach is where financing is as bespoke as the address.”
Common loan scenarios in Palm Beach
We work with high-net-worth buyers, second-home owners, wealth managers, and family offices structuring Palm Beach purchases around broader balance sheets.
We compare jumbo fixed, ARMs, and cross-collateralized options around your broader asset and liquidity strategy.
We coordinate with your advisor on asset-pledge, portfolio line, and reserve requirements so your loan plays well with your investment plan.
We help navigate entity structures, gift funds, and trust income so underwriters can review a clean, well-documented file.
We structure approvals for buyers relocating for tax or lifestyle reasons, including multi-state income and business ownership.
We evaluate refinancing, cash-out, or interest-only structures in light of current rates and your long-term Palm Beach timeline.
We design bridge strategies for buyers upgrading, downsizing, or consolidating properties on and off the island.
Palm Beach mortgage planning
for complex, higher-balance files.
In Palm Beach, nearly every loan is a story: multiple properties, entities, income sources, and long-term plans.
We work for you, not a bank. Your loan is shopped across our full wholesale lender network.
We explain every option before you commit. No pressure, no quotas, no upselling.
13-day average closing time. Speed matters whether you are competing on an offer or refinancing on a deadline.
A consistent track record across purchase, refinance, and VA transactions.
Why Palm Beach feels like
a world of its own.
In 2026 the island is reinvesting in itself: a $30M rebuild of Phipps Ocean Park, the revival of the Royal Poinciana Playhouse, and the final phases of a townwide utility undergrounding program.
The park closed in May 2026 for a roughly 18-month rebuild, largely funded by the Preservation Foundation of Palm Beach, that restores a native coastal ecosystem designed by landscape architect Raymond Jungles.
Renovation of the landmark 1958 theater moved into structural work in 2026, with the building expected to come back to life over the coming year as a cultural anchor for the north end.
As of mid-2026, 13 of 15 construction zones in the townwide utility undergrounding project are complete or funded, with full completion targeted for 2027. The town also wrapped its Mid-Town beach renourishment in May 2026, placing nearly 600,000 cubic yards of sand.
“Palm Beach rewards buyers who think about the loan as part of a broader wealth plan, not just a purchase transaction.”
Palm Beach mortgage FAQs
What is the typical price point in Palm Beach?+
Redfin data for the three months ending July 2026 shows a median around $2.5M with price-per-foot near $1,480, which is dramatically higher than Palm Beach County overall. The median swings with the mix of condos and estates that sell in any given quarter, so individual segments can sit far above or below it.
How long do Palm Beach homes take to sell?+
On average, homes sell in about 108 days, notably faster than 155 days a year earlier, reflecting a patient but active luxury market.
Are Palm Beach loans always jumbo?+
Almost always. At current medians, even with large down payments most loans fall into the jumbo or super-jumbo category.
Palm Beach Home Buying Resources
Local guides and answers for buying and owning a home in Palm Beach.
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No pressure, no obligation. Tell us what you are trying to do and we will show you exactly what is possible.