Looking for a mortgage broker in Boca Raton, Florida? Nick Lazarevic (NMLS #386391) works with homebuyers, homeowners, and investors throughout Boca Raton and all of Palm Beach County. Whether you’re financing a waterfront condo, a single-family home in a gated community, or an investment property, I’ll connect you with the right loan program at the best terms available. Get pre-approved in as little as 24 hours.

Why Boca Raton Buyers Choose a Local Broker

Boca Raton is one of South Florida’s most desirable addresses — a blend of upscale living, top-rated schools, and a thriving business corridor along I-95 and the Turnpike. The housing market here ranges from luxury estates in Royal Palm Yacht & Country Club to more accessible townhome communities west of the interstate. FAU brings a steady stream of young professionals and rental demand, while retirees and relocating executives fuel the higher end of the market. International buyers — particularly from the Northeast, Latin America, and Europe — are active here year-round. That range of buyers means the right loan program matters more than anywhere, and a broker who can shop across dozens of lenders finds better fits than any single bank.

Available Loan Programs

• Conventional Loans — Competitive rates and flexible terms for primary residences, second homes, and investment properties. The go-to option for well-qualified Boca Raton buyers.
• FHA Loans — Low down payment options with flexible credit requirements. A strong path for first-time buyers getting into the Boca market.
• VA Loans — Zero down payment for eligible veterans and active-duty military.
• Jumbo Loans — For properties above the $832,750 conforming limit. Boca Raton’s luxury market often requires jumbo financing, and I work with lenders who offer competitive jumbo terms without the red tape.
• Foreign National Loans — Financing for non-U.S. citizens purchasing in Boca Raton. Popular with international buyers who don’t have a U.S. credit history.
• DSCR / Investor Loans — Qualify based on rental income, not personal income. Ideal for investors building a portfolio in the Palm Beach County rental market.

Down Payment Assistance in Boca Raton

Even in a premium market like Boca Raton, down payment assistance programs can make a real difference — especially for first-time buyers stretching to get into the area.

Statewide Programs Available to Boca Raton Buyers:

• Hometown Heroes: Up to $35,000 for eligible frontline workers (check current funding availability)
• FL Assist: $10,000 with no monthly payments — deferred at 0% interest
• HFA Preferred: Forgivable assistance toward your down payment

Palm Beach County Programs:

• Palm Beach County DPA: $10,000 silent second mortgage for eligible first-time buyers
• SHIP Funding: Administered locally for income-qualifying households

These programs can often be combined — a Boca Raton buyer could potentially stack a state grant with Palm Beach County assistance to significantly reduce out-of-pocket costs.

Want to see what you qualify for? Call me or visit the Down Payment Assistance Florida page for a full breakdown.

2026 Conforming Loan Limit in Palm Beach County

The conforming loan limit for Palm Beach County in 2026 is $832,750 for a single-family home. Loans up to this amount qualify for conventional financing with the best available rates. For properties above this limit — common in Boca Raton’s east-side neighborhoods — jumbo loan options are available with competitive terms.

Frequently Asked Questions

What are the current mortgage rates in Boca Raton, FL?

Mortgage rates change daily and depend on your credit score, loan type, down payment, and property type. I provide personalized rate quotes based on your specific financial profile rather than publishing generic rates that may not apply to you. Contact me for a real quote.

How much do I need for a down payment to buy a home in Boca Raton?

It depends on the loan program and property type. Options range from zero down (VA loans for eligible borrowers) to low down payment programs like FHA. Even in Boca’s higher price ranges, there are creative financing strategies that minimize your cash at closing.

Can foreign nationals get a mortgage in Boca Raton?

Yes. I work with lenders who offer foreign national loan programs for buyers without U.S. credit or residency. These are popular with international buyers purchasing in Boca Raton’s condo and waterfront markets.

What is the conforming loan limit in Palm Beach County?

The 2026 conforming loan limit for Palm Beach County is $832,750 for a single-family home. Above that amount, you’ll need a jumbo loan — and I work with lenders who make the jumbo process straightforward.

Serving All of Palm Beach County

In addition to Boca Raton, I serve homebuyers and homeowners throughout Palm Beach County, including West Palm Beach, Delray Beach, Boynton Beach, Jupiter, and Palm Beach Gardens. Licensed statewide across all 67 Florida counties.

Ready to Get Started in Boca Raton?

Whether you’re buying your first home, refinancing, or investing in property in Boca Raton, I’m here to help you find the best financing option.

Call: (954) 300-1287
Email: [email protected]
Apply Online: Start Your Application

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Nick Lazarevic | NMLS #386391
GFL Capital Mortgage | NMLS #64367
DBA 1st Capital Group
Equal Housing Lender

1st Capital Group
Fort Lauderdale, FL — Serving All of Florida
O: (954) 300-1287
[email protected]

© 2026 1st Capital Group. All rights reserved.

Licensed Mortgage Loan Originator. GFL Capital Mortgage Inc | Company NMLS #64367. Equal Housing Lender. All loans subject to credit approval. This is not a commitment to lend. Terms and conditions apply. NMLS Consumer Access: www.nmlsconsumeraccess.org