Palm Bay, FL
Buy your first Palm Bay, FL home with confidence.
FHA, down-payment-assistance, and first-time-buyer programs that fit Palm Bay budgets. We walk you through every step.
Palm Bay home loans, the honest version.
Palm Bay is Brevard County’s largest city and one of Florida’s fastest-growing, driven by Space Coast employment at Kennedy Space Center, SpaceX, and an aerospace-defense cluster; its large-lot residential grid offers competitive square-footage value versus coastal Brevard.
That market shapes the loan. In Brevard County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Palm Bay purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and conventional options on the table. Limits per FHFA 2026; verify your scenario with us.
We work Palm Bay from the ground up — close to the Turkey Creek Sanctuary. We finance homes across Bayside Lakes, Port Malabar, South Cove, and Eagle Lake — and every other corner of Palm Bay. Looking for a mortgage broker near you in Palm Bay? We serve the area by phone and online, so you get a local-market broker without driving to an office.
What you get with a local broker.
Palm Bay market knowledge
Near the Turkey Creek Sanctuary, across Bayside Lakes, Port Malabar, South Cove — we know Palm Bay's neighborhoods, prices, and the programs that fit them.
First-time & assistance
Palm Bay buyers often start with FHA, conventional, first-time-buyer — we match you to the down-payment and first-time programs you qualify for.
Lenders shopped for you
As a broker we shop many lenders for your Palm Bay file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your Palm Bay loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Palm Bay, your loan is handled personally by owner Esther Buede — a licensed mortgage expert (individual NMLS #2003644) who has guided California families to the closing table since 2005. Not a call center, not a rotating cast — one expert who knows your file and your market. Meet the family behind CHM →
“Painless and no hidden surprises. Choice Home Mortgage is a company I can trust.”
Matched to your Palm Bay purchase, not a template.
For Palm Bay we lean on FHA, conventional, first-time-buyer through our licensed partner-broker network — but whatever fits, we shop it: FHA, conventional, VA, and non-QM. Start when you’re ready: buying, refinancing, or just exploring — apply here or call (949) 522-7310.
Close to Palm Bay, we also help buyers in Melbourne, Orlando, Titusville. See all Florida cities we serve →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Palm Bay, FL buyers through licensed partner brokers. Equal Housing Opportunity. We serve this area; we do not maintain a Palm Bay office.
Palm Bay mortgage questions, answered.
What's the 2026 conforming loan limit in Palm Bay?
In Brevard County, the 2026 conforming loan limit is $832,750 for a single-family home, the national baseline. Limits per FHFA 2026; verify your scenario with us.
What loans help first-time buyers in Palm Bay?
FHA loans, down-payment-assistance, and first-time-buyer programs are common paths in Palm Bay. We match you to the ones you qualify for.
Which Palm Bay neighborhoods do you serve?
We serve buyers across Palm Bay, including Bayside Lakes, Port Malabar, South Cove. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Can Choice Home Mortgage help me buy in Palm Bay, FL?
Yes. We help Palm Bay homebuyers through licensed partner brokers. Choice Home Mortgage is licensed in California (NMLS #2629064); we coordinate FL financing for you.
Do you serve areas near Palm Bay?
Yes — we also work with buyers in nearby Melbourne, Orlando, Titusville. Same process, local loan-limit details for each.
Let's finance your Palm Bay home.
One call with the owner — local, honest, no pressure. We'll tell you which program fits your Palm Bay purchase and shop the lenders for you.