Boca Raton, FL
Boca Raton, FL financing that matches Boca Raton prices.
From Mizner Park District across Boca Raton, higher price points meet financing built for them — high-balance, jumbo, move-up — matched to your Boca Raton file.
Who can help me get a mortgage in Boca Raton, FL?
Choice Home Mortgage can. We arrange Boca Raton home loans through licensed partner brokers in Florida and coordinate each Boca Raton file ourselves; our own license is California's (NMLS #2629064). Owner Esther Buede coordinates it personally, and we compare many lenders for it.
The 2026 conforming limit for a one-unit Boca Raton home is $832,750 (Palm Beach County, per FHFA). We start every Boca Raton file by placing the price against that number, then handle the application, documents and updates by phone and online.
How Boca Raton buyers reach closing in Boca Raton.
Boca Raton’s land-use rules have historically constrained new residential supply while Florida Atlantic University drives steady professional migration; the Mizner Park corridor has drawn institutional mixed-use investment that raises the floor on adjacent values.
Those Boca Raton realities set the strategy. The 2026 conforming number for Boca Raton buyers in Palm Beach County is $832,750 — the baseline every Boca Raton file starts from. For the typical Boca Raton purchase, $832,750 is headroom, not a hurdle — Boca Raton files keep conventional, FHA, and first-time-buyer open. Boca Raton itself prices above the national norm. 2026 limits published by FHFA — confirm your exact scenario with us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
From Mizner Park District over to Pearl City, Boca Raton’s 89,000-plus residents sit within minutes of Deerfield Beach and Delray Beach. From Mizner Park outward, we treat Boca Raton as home turf. Boca Raton buyers reach us from Mizner Park District, Boca Square, Camino Gardens, and Pearl City — and from every block in between. Looking for mortgage help near you in Boca Raton? We coordinate Boca Raton loans by phone and online with licensed partner brokers, so you get local-market help without driving anywhere. Of the 73 Florida cities we serve, Boca Raton plays by its own numbers — that’s the point: the Boca Raton file, not a state template.
How we work Boca Raton loans.
Boca Raton, block by block
Boca Raton isn't one market: Mizner Park District, Boca Square, Camino Gardens each price their own way. We finance to the block, not the average.
Bigger-loan ready
Boca Raton price tags run past the national norm, and the Boca Raton financing — jumbo, FHA for entry, conventional — is sized to match.
We shop; you choose
Instead of one bank's rates, your Boca Raton application sees many lenders competing — that's the whole point of working with us.
Owner-coordinated
The owner, Esther Buede, is who Boca Raton buyers talk to, and she coordinates the Boca Raton file with our licensed partner brokers.
Owner-coordinated, application to Boca Raton keys.
In Boca Raton, owner Esther Buede (individual NMLS #2003644) is the one coordinating your file, Boca Square or anywhere on the Boca Raton map, first call through keys. Meet the family behind CHM →
“This Duo is amazing. Esther helped with all of the loan documentation and made the whole process the best house buying experience we've ever had.”
Built around your Boca Raton home, not a shelf product.
Demand around Mizner Park keeps jumbo activity steady in Boca Raton. For Boca Raton we lean on jumbo, FHA for entry, conventional through our licensed partner-broker network — but whatever fits your Boca Raton file, we shop it: FHA financing, non-QM, VA, and conventional. Come in at your own pace — buying, refinancing, or comparing paths — apply in minutes or call (949) 522-7310.
Boca Raton buyers most often work with conventional, jumbo, FHA for entry.
Boca Raton 1099 and business-owner borrowers get their own path here, qualifying on 1099 income instead of W-2s. See Palm Beach County’s complete 2026 loan-limit table for the one- through four-unit numbers behind that figure.
Close to Boca Raton, we also help buyers in Deerfield Beach, Delray Beach, Pompano Beach. All our Florida coverage, city by city →
Choice Home Mortgage (California-licensed, NMLS #2629064) serves Boca Raton, FL buyers through licensed partner brokers. Equal Housing Opportunity. We serve this area; we do not maintain a Boca Raton office.
Boca Raton mortgage questions, answered.
What's the conforming cap on a Boca Raton home loan?
$832,750 is the 2026 conforming limit for a single-family home in Boca Raton, based on FHFA's figure for Palm Beach County. Palm Beach County uses the $832,750 national baseline, so a larger loan is a jumbo loan, which each lender prices and underwrites under its own rules.
Do Boca Raton buyers usually need jumbo financing?
Only loans above $832,750 need jumbo financing in Boca Raton; that is the 2026 Palm Beach County limit, and anything at or under it is conforming. A larger down payment can bring the loan back under $832,750 so it stays conforming. A licensed partner broker originates the loan while we compare those options across many lenders.
What parts of Boca Raton do you work in?
Every part of Boca Raton, including Mizner Park District, Boca Square, Camino Gardens and Pearl City. Prices shift from street to street, and the appraisal follows recent nearby sales; the loan terms follow your credit, income and down payment. Licensed partner brokers originate loans across Mizner Park District and Pearl City, and we coordinate them by phone and online.
Can Choice Home Mortgage help me buy in Boca Raton, FL?
Yes. Choice Home Mortgage helps Boca Raton buyers through licensed partner brokers in Florida, and we coordinate the loan. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Boca Raton office, so the application, documents and updates run by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
What about the towns just past the Boca Raton line?
We cover those too: Deerfield Beach, Delray Beach and Pompano Beach are in our service area along with Boca Raton. Each town's conforming limit depends on its county, so we confirm the 2026 limit for the exact address before quoting. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as a Boca Raton file.
Do I ever need to visit an office for my Boca Raton loan?
No. A Boca Raton loan runs by phone and online, and Choice Home Mortgage has no local office to visit. A licensed partner broker in Florida originates the loan, and Choice Home Mortgage (California NMLS #2629064) coordinates it and compares many lenders. Owner Esther Buede is your point of contact from the first call to closing.
Let's get you home in Boca Raton.
One conversation, zero pressure — your Boca Raton plan mapped and a market of lenders put to work on the Boca Raton file.