Mortgage Broker in Palm Beach County, FL

Your Palm Beach County Mortgage Lender — Home Loans, Refinancing & Pre-Approvals

Local expertise. Statewide reach. Every loan program available.

Down Payment Assistance Programs in Palm Beach County

Palm Beach County offers one of the largest DPA programs in the state. Combined with state programs, eligible first-time buyers can access up to $145,000+ in assistance.

County Program: Palm Beach County SHIP

Assistance: Up to $100,000
Type: 0% interest deferred loan — forgiven after 30 years of occupancy
Income limit: Up to 140% AMI (SHIP) or 80% AMI (HOME program)
Purchase price limit: $568,557
First-time buyer required: Yes
Application window: Limited — opens annually (check current cycle)

Statewide Programs Available in Palm Beach County

Hometown Heroes: Up to $35,000 — 0% deferred loan for eligible workers
FL Assist: Up to $10,000 — 0% deferred second mortgage
Salute Our Soldiers: Up to $35,000 — for veterans and active military

Palm Beach DPA Stacking Example

Hometown Heroes: $35,000 (state)
Palm Beach County SHIP: $100,000 (county)
FL Assist: $10,000 (state)
Total potential assistance: up to $145,000

Stacking eligibility varies. Contact me to find out what you qualify for.

Conforming Loan Limits

The 2026 conforming loan limit for Palm Beach County is $832,750 for a single-family home. Loans up to this amount qualify for conventional financing with competitive rates. Borrowers needing more can explore jumbo loan options.

Cities We Serve in Palm Beach County

We provide mortgage services throughout Palm Beach County including West Palm Beach, Boca Raton, Delray Beach, Boynton Beach, Jupiter, Palm Beach Gardens, Wellington, Lake Worth, Royal Palm Beach, Riviera Beach, Greenacres.

Home Loans in Palm Beach County

Looking for a mortgage lender who serves Palm Beach County? 1st Capital Group provides expert mortgage guidance to homebuyers and homeowners across Palm Beach County and all of Florida. Whether you’re purchasing your first home, upgrading, or refinancing, we’ll find the right loan program and maximize your savings.

Loan Programs Available

Conventional Loans — As little as 3% down for qualified buyers
FHA Loans — Low down payment, flexible credit requirements
VA Loans — Zero down payment for eligible veterans and service members
USDA Loans — Zero down payment in eligible rural areas
Foreign National Loans — Financing for non-U.S. citizens
DSCR Loans — Investment property loans based on rental income