Mortgage strategy for West Palm Beach, FL
Waterfront condos, second homes, and Northeast relocations from El Cid to Northwood — South Florida financing without the runaround.
West Palm Beach has drawn a steady wave of buyers relocating from the Northeast, alongside long-standing second-home demand. Both bring financing that retail banks often fumble — out-of-state income, seasonal occupancy, and condo buildings that need a warrantability check before an offer makes sense.
Prices range widely, from attainable condos to waterfront estates, so a purchase can be conforming or jumbo depending on the block. Sam maps where your price lands and matches the lender accordingly.
Programs matched to West Palm Beach buyers
Second-home loans; warrantable and non-warrantable condo financing; foreign-national programs; jumbo for waterfront purchases; and conventional and refinance options — across 50+ wholesale lenders.
2026 conforming loan limit in Palm Beach County
Palm Beach County uses the national baseline conforming limit of $832,750. West Palm Beach spans a wide price range, so purchases can be conforming or jumbo depending on the property — Sam structures both.
Neighborhoods across West Palm Beach we work in
From El Cid and Northwood to SoSo and the downtown waterfront, Sam works with second-home buyers, relocating professionals, and condo owners across West Palm Beach.
Questions West Palm Beach buyers ask
What is the 2026 conforming loan limit in Palm Beach County?
Palm Beach County (which includes West Palm Beach) uses the national baseline, so the 2026 one-unit conforming loan limit is $832,750. Purchases above $832,750 — common on the waterfront — move into jumbo financing, which Sam handles.
Can second-home and condo buyers finance in West Palm Beach?
Yes. Second-home and condo purchases are everyday deals here. Sam checks condo-project warrantability up front and structures second-home and foreign-national loans for buyers relocating or investing from out of state.
Start my West Palm Beach financing plan Run the numbers first
Explore loan programs and calculators, or see other areas we serve: Boca Raton, Fort Lauderdale, Miami.
Sam Razavi · NMLS #985351 · originating through C2 Financial Corporation, NMLS #135622. Not a commitment to lend. Equal Housing Opportunity.