Palm Beach Gardens, FL
Palm Beach Gardens, FL home loans, sized for the market.
The right Palm Beach Gardens loan respects Palm Beach Gardens prices — high-balance, jumbo, refinance — structured for PGA National and every Palm Beach Gardens block from day one.
Does Choice Home Mortgage work with Palm Beach Gardens, FL buyers?
Yes. Choice Home Mortgage arranges home loans for Palm Beach Gardens buyers through licensed partner brokers who cover Florida. We are a family-owned broker, in business since 2005 and licensed in California (NMLS #2629064); a licensed partner broker handles the Palm Beach Gardens loan while we coordinate it and compare many lenders for it, with owner Esther Buede as your point of contact.
For 2026, a one-unit Palm Beach Gardens home can carry a conforming loan of up to $832,750, the Palm Beach County limit FHFA sets, and we check where your Palm Beach Gardens price falls before you write an offer. The whole process runs by phone and online.
Palm Beach Gardens prices, programs, and the path through.
Palm Beach Gardens is master-planned around the PGA of America headquarters with twelve golf courses inside city limits, a structural identity as the organizational capital of professional golf; the PGA Boulevard corridor and legacy golf-community entitlements limit buildable land, creating sustained price support independent of broader cycles.
So the Palm Beach Gardens strategy starts with the market, not the rate sheet. For Palm Beach Gardens, 2026 conforming tops out at Palm Beach County’s $832,750 baseline on one-unit Palm Beach Gardens homes. Palm Beach Gardens price points mostly stay under $832,750, which keeps conventional, FHA, and first-time-buyer on the menu for Palm Beach Gardens buyers. As a market, Palm Beach Gardens runs above the national norm. The 2026 figures come from FHFA — your scenario gets checked, not assumed.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Call it 50,000-plus people: Palm Beach Gardens runs from PGA National to The Gardens, and Jupiter and West Palm Beach sit just outside the line. Palm Beach Gardens detail matters to us — the PGA National Golf Club and the streets that feed it included. Name the Palm Beach Gardens neighborhood — PGA National, BallenIsles, Mirasol, and The Gardens or beyond — and we finance there. Searching “mortgage broker near me” from Palm Beach Gardens? We cover Palm Beach Gardens by phone and online — Palm Beach Gardens-level market help, no office visit. Palm Beach Gardens is one of 73 Florida markets we cover, and every Florida file gets the same treatment: real Palm Beach Gardens numbers first, then lenders competing on them.
What you get with a local broker.
Palm Beach Gardens, block by block
From PGA National, BallenIsles, Mirasol to the blocks near the PGA National Golf Club — Palm Beach Gardens pricing has a logic, and we work it daily.
Move-up & jumbo ready
Palm Beach Gardens price tags run past the national norm, and the Palm Beach Gardens financing — jumbo above baseline, conventional — is sized to match.
We shop; you choose
As a broker we put many lenders in competition for your Palm Beach Gardens file — not one bank's Palm Beach Gardens shelf.
Direct to the owner
Owner Esther Buede coordinates your Palm Beach Gardens loan personally, the named expert Palm Beach Gardens clients would find praised across our Google reviews.
Your Palm Beach Gardens loan, one owner's desk.
Owner Esther Buede (individual NMLS #2003644) personally coordinates each Palm Beach Gardens file, BallenIsles or any Palm Beach Gardens address, first call to keys. Meet the family behind CHM →
“Painless and no hidden surprises. Choice Home Mortgage is a company I can trust.”
Your Palm Beach Gardens file decides the loan.
Near the PGA National Golf Club, jumbo above baseline files are a Palm Beach Gardens staple for us. For Palm Beach Gardens we lean on jumbo above baseline, conventional through our licensed partner-broker network — but whatever fits your Palm Beach Gardens file, we shop it: conventional, an FHA loan, VA, and non-QM. Start where it suits you: buying, refinancing, or testing the numbers — begin online or call (949) 522-7310.
Expect conventional, jumbo above baseline to carry most Palm Beach Gardens files.
Self-employed in Palm Beach Gardens? We also work with borrowers who work for themselves — bank-statement income included. Palm Beach County’s 2026 conforming and FHA limits, by unit count are laid out in full if you’re comparing property types.
Palm Beach Gardens is the center, not the edge — Jupiter, West Palm Beach, Greenacres are covered too. More Florida cities we work in →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Palm Beach Gardens, FL buyers through licensed partner brokers. Equal Housing Opportunity. Palm Beach Gardens is served remotely — we keep no office there.
Palm Beach Gardens questions we hear most.
Is there a loan limit for Palm Beach Gardens purchases in 2026?
Yes. The 2026 conforming loan limit for a one-unit home in Palm Beach Gardens is $832,750, the figure FHFA set 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 Palm Beach Gardens buyers usually need jumbo financing?
Only loans above $832,750 need jumbo financing in Palm Beach Gardens; that is the 2026 Palm Beach County limit, and anything at or under it is conforming. Putting more down keeps the loan at or under $832,750, which keeps it conforming. A licensed partner broker originates the loan while we compare those options across many lenders.
Are certain Palm Beach Gardens neighborhoods outside your coverage?
No. Every Palm Beach Gardens neighborhood is covered, PGA National, BallenIsles, Mirasol and The Gardens included. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. Wherever the address is, from PGA National to The Gardens, a licensed partner broker originates the loan and we coordinate it by phone and online.
I'm buying in Palm Beach Gardens, FL: can you handle it?
Yes. A licensed partner broker in Florida originates the Palm Beach Gardens loan, and Choice Home Mortgage coordinates it. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Palm Beach Gardens office, so the application, documents and updates run by phone and online.
I'm shopping Palm Beach Gardens and the next town over: is that covered?
Yes. You can compare homes in Palm Beach Gardens with Jupiter, West Palm Beach and Greenacres on one file. 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 Palm Beach Gardens file.
How do we work together on a Palm Beach Gardens purchase?
We start with a call to map your Palm Beach Gardens purchase, then coordinate the application, documents and updates online. 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.
Buying near Palm Beach Gardens? We cover that too
Next stop: your Palm Beach Gardens address.
Bring the Palm Beach Gardens address or just the idea — we'll match the program and shop lenders for your Palm Beach Gardens loan.