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. In February 2026, the median sale price was about $4.0M, up 16.7 percent year over year, and homes sold in around 106 days on average compared with 119 days a year earlier.
The median sale price per square foot was about $1,830, up 1.7 percent year over year. There were 24 homes sold in February 2026, up from 23 the prior year. 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.
16-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.
Low volume, multi-million-dollar medians, and patient buyers all contribute to an ultra-luxury market that operates on its own timeline.
Palm Beach's median is nearly eight times the Palm Beach County median, putting it in a fundamentally different pricing tier.
Homes typically take months to sell, reflecting a small, selective buyer pool and properties that rarely transact.
Price per square foot continues to inch higher, reflecting sustained demand from the highest tier of buyers.
“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?+
Recent data shows a median around $4.0M with price-per-foot near $1,830, which is dramatically higher than Palm Beach County overall.
How long do Palm Beach homes take to sell?+
On average, homes sell in about 106 days, slightly faster than 119 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.
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Your Palm Beach
mortgage, handled.
No pressure, no obligation. Tell us what you are trying to do and we will show you exactly what is possible.