West Palm Beach, FL

Mortgage Broker in West Palm Beach, FL

Palm Beach County buyers expect professionalism and speed. We've closed loans in as few as 5 days and funded $93M in 2025. From Intracoastal condos to Wellington equestrian estates, we handle the full range of Palm Beach financing.

1,400+
Five-star Google reviews
$93M
Funded in 2025
5 days
Fastest close on record
FL + 48
States licensed (excl. NY)

West Palm Beach Is a Prestige Market. Financing Has to Match.

Palm Beach County is one of Florida's most competitive real estate markets, and West Palm Beach sits right at its center. Median prices in the county regularly exceed $450,000, with Palm Beach island, the Intracoastal corridor, and neighborhoods like Northwood and Downtown WPB seeing consistent demand from both full-time residents and seasonal buyers.

The market stretches well beyond the city limits. Palm Beach Gardens attracts buyers who want new construction with top-rated schools. Jupiter draws coastal buyers who want space without South Florida density. Wellington is the heart of Florida's equestrian world, with estate properties priced from $800K into the millions. Boynton Beach and Lake Worth offer strong value for first-time buyers and investors who want Palm Beach County access at a more accessible price point.

Each submarket moves differently. Understanding how to position financing, what sellers in each neighborhood expect, and which loan program fits the property type is what separates a clean close from a drawn-out mess. That's what we bring to every deal. See our guide to Florida mortgage solutions for a broader picture of what's driving purchase activity statewide.

JSYK The industry average for closing a mortgage is 30 to 45 days. Jordan has closed loans in as few as 5. Our process is built around speed, and in a market like West Palm Beach, a faster close often means the difference between winning an offer and watching the home go to someone else.

We're licensed throughout Florida and operate statewide. West Palm Beach buyers get the same speed and availability as our Tampa clients: 24/7 access, DU Approval before you're under contract, and a process that doesn't stall when your agent needs an answer on a Sunday night.

Loan Programs for Palm Beach County Buyers

West Palm Beach buyers aren't one-size-fits-all. From first-time FHA buyers in Boynton Beach to jumbo borrowers on Palm Beach island, we match every client to the right program for their situation.

First-Time Buyers

FHA Loans

Down payments as low as 3.5% with flexible credit requirements. Lake Worth, Boynton Beach, and outer WPB neighborhoods attract strong FHA demand. Pairs well with Florida's DPA programs.

Military & Veterans

VA Loans

No down payment, no monthly mortgage insurance. Palm Beach County has a significant veteran population, and the VA loan is one of the strongest tools available for eligible buyers entering this market.

Established Buyers

Conventional Loans

Competitive rates for buyers with solid credit and stable income. Conventional is the most widely accepted loan type in Palm Beach Gardens, Jupiter, and higher-priced WPB neighborhoods.

Luxury & Intracoastal

Jumbo Loans

Financing for properties exceeding conventional loan limits. Palm Beach island, Intracoastal homes, and Wellington estate properties frequently require jumbo programs. We handle these routinely.

Retirees & Snowbirds

Reverse Mortgage

Palm Beach County has one of Florida's largest 55+ populations. For retirees using home equity to fund a purchase or access cash, the Home Equity Conversion Mortgage (HECM) is worth a serious look.

Existing Homeowners

Refinance

Lower your rate, shorten your term, or pull equity from an appreciated Palm Beach County home. We run the numbers first so the refinance actually makes sense before you commit to anything.

Buying in Palm Beach County and not sure which loan fits?

We walk through your numbers and tell you exactly which programs you qualify for. No pressure, no guessing.

Find My Best Loan

Down Payment Assistance Available to WPB Buyers

Many buyers in Palm Beach County qualify for down payment assistance and never find out about it. These programs are real money that reduces your out-of-pocket costs at closing. Here's what's currently active for qualified buyers in this area:

Active DPA Programs for Palm Beach County Buyers

FL Assist
Up to $10,000
Deferred second mortgage. No monthly payment. Income limits apply. Available statewide including Palm Beach County.
Hometown Heroes
Up to $35,000
Statewide Florida program for teachers, nurses, law enforcement, first responders, and other eligible essential workers.
Palm Beach County HAP
Up to $60,000
County-level Housing Assistance Program. Income and purchase price limits apply. Strong option for eligible buyers in unincorporated PBC.

Program terms and availability change. We confirm eligibility during your pre-approval consult at no cost. Read our Florida down payment assistance guide for a full breakdown of what's available statewide.

Why Palm Beach County Buyers Choose 14 Days To Close

Jordan Vreeland has been closing Florida mortgages faster than the market average for years. In 2025, 14 Days To Close funded $93 million in loans across Florida. In a prestige market like Palm Beach County, where sellers and their agents expect polished, reliable buyers, the quality of your financing package matters as much as the price of your offer.

The DU Approval process is at the core of what we do differently. Desktop Underwriter (DU) is Fannie Mae's automated underwriting system. Getting a DU Approval before you're under contract means your file has cleared automated review that most buyers skip entirely. In a competitive Palm Beach neighborhood, it signals to sellers that you're not going to create problems at the closing table.

We're available 24/7: nights, weekends, and holidays. When a listing on the Intracoastal drops on a Friday afternoon, we're reachable. We don't hand you off to a processor and go dark. Jordan stays involved from application to closing.

  • DU Approval gives Palm Beach buyers a stronger offer before going under contract
  • Jordan has closed loans in as few as 5 days. Industry average is 30 to 45
  • 24/7 availability, including nights, weekends, and holidays
  • Jumbo and luxury loan experience across the Palm Beach County market
  • 1,400+ five-star Google reviews from real Florida buyers
  • $93M funded in 2025. Volume that reflects a proven, repeatable process
  • FHA, VA, Conventional, Jumbo, HECM, DSCR. All loan types handled
  • Licensed in Florida and most states nationwide (excluding NY)
See exactly how we work

Real Reviews From Florida Homebuyers

1,400+ five-star reviews on Google from buyers across Florida. Here's a sample of what people say about working with Jordan and the 14 Days To Close team.

★★★★★

"Jordan was incredibly responsive and knowledgeable. He explained every step clearly and we closed well ahead of schedule. I've referred him to three friends already. If you're buying in Florida, this is the team you want."

Marcus T., Palm Beach County
★★★★★

"We were relocating from the Northeast and didn't have time to deal with a slow lender. Jordan had us pre-approved and ready to move within days. The process was exactly what he said it would be. No surprises."

Linda R., West Palm Beach
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We Serve All of Palm Beach County and Beyond

Our West Palm Beach clients come from across the county. We actively serve buyers in West Palm Beach, Lake Worth, Boynton Beach, Delray Beach, Boca Raton, Palm Beach Gardens, Jupiter, and Wellington. We're also licensed statewide, so if your search takes you to the Treasure Coast or the Broward County line, we cover that too.

For buyers relocating from out of state, our digital-first process makes the distance irrelevant. You can get a full DU Approval, lock a rate, and be ready to write offers before you've ever set foot in Palm Beach County. That matters in a market where well-priced homes move fast. See how our DU Approval process works and why it gives buyers a real edge.

Individual results may vary. Closing timelines depend on factors including appraisal, title, inspection, and borrower circumstances. 14 Days To Close does not guarantee a specific closing date.

Buying in West Palm Beach? Let's get your financing right.

Get pre-approved today and walk into every showing with a financing package that Palm Beach sellers and agents take seriously. We'll tell you exactly where you stand. Fast.

Jordan Vreeland, Licensed Mortgage Broker