Mortgage strategy for Boca Raton, FL
Luxury homes, country-club communities, and second residences from Royal Palm to Mizner Park — jumbo financing done right.
Boca Raton skews affluent, and even though Palm Beach County uses the baseline conforming limit, a large share of Boca purchases are jumbo loans. That puts the emphasis on reserves, asset documentation, and lenders who compete for high-balance borrowers rather than penalize them.
Many buyers here are relocating professionals or second-home owners from the Northeast. Sam structures financing around that reality — out-of-state income, seasonal use, and country-club or gated-community requirements included.
Programs matched to Boca Raton buyers
Jumbo and super-jumbo financing; asset-depletion and self-employed options for high-net-worth borrowers; second-home loans; warrantable condo financing; and refinances — sourced across 50+ wholesale lenders.
2026 conforming loan limit in Palm Beach County
Palm Beach County uses the national baseline conforming limit of $832,750, but Boca Raton's price points mean many buyers cross into jumbo financing above that. Sam structures both conforming and jumbo, with attention to the reserves jumbo lenders expect.
Neighborhoods across Boca Raton we work in
From Royal Palm Yacht & Country Club and Boca West to Mizner Park and the coastal enclaves, Sam works with luxury and second-home buyers across Boca Raton.
Questions Boca Raton buyers ask
What is the 2026 conforming loan limit in Palm Beach County?
Palm Beach County (which includes Boca Raton) uses the national baseline, so the 2026 one-unit conforming loan limit is $832,750. Because Boca prices often run higher, a large share of purchases here are jumbo loans above $832,750 — a core part of what Sam does.
Do you handle jumbo and luxury financing in Boca Raton?
Yes. Jumbo is central to the Boca market. Sam works with lenders who compete for high-balance borrowers and uses asset-depletion and self-employed programs so buyers with strong assets but complex income still qualify smoothly.
Start my Boca Raton financing plan Run the numbers first
Explore loan programs and calculators, or see other areas we serve: West Palm Beach, Fort Lauderdale, Miami.
Sam Razavi · NMLS #985351 · originating through C2 Financial Corporation, NMLS #135622. Not a commitment to lend. Equal Housing Opportunity.