Palm Beach Gardens, FL
Palm Beach Gardens, FL home loans, built for Palm Beach Gardens's market.
From high-balance and jumbo financing to move-up and refinance, we structure the loan around Palm Beach Gardens's price points — not a one-size template.
Inside the Palm Beach Gardens mortgage market.
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.
That market shapes the loan. In Palm Beach County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Palm Beach Gardens purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and jumbo above baseline options on the table. Limits per FHFA 2026; verify your scenario with us.
We work Palm Beach Gardens from the ground up — close to the PGA National Golf Club. We finance homes across PGA National, BallenIsles, Mirasol, and The Gardens — and every other corner of Palm Beach Gardens. Looking for a mortgage broker near you in Palm Beach Gardens? 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 Beach Gardens market knowledge
Near the PGA National Golf Club, across PGA National, BallenIsles, Mirasol — we know how Palm Beach Gardens prices and programs actually work.
Move-up & jumbo ready
Palm Beach Gardens runs above the national norm — we structure conventional, jumbo above baseline financing around its price points.
Lenders shopped for you
As a broker we put many lenders in competition for your Palm Beach Gardens file — not one bank's shelf.
Owner-handled
Owner Esther Buede guides your Palm Beach Gardens loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Palm Beach Gardens, 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 →
“One of the best business interactions that I've ever had. Esther Buede made my loan application possible.”
Built around your Palm Beach Gardens home, not a shelf product.
For Palm Beach Gardens we lean on conventional, jumbo above baseline 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 Beach Gardens, we also help buyers in Jupiter, West Palm Beach, Greenacres. See all Florida cities we serve →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Palm Beach Gardens, FL buyers through licensed partner brokers. Equal Housing Opportunity. We serve this area; we do not maintain a Palm Beach Gardens office.
Palm Beach Gardens mortgage questions, answered.
What's the 2026 conforming loan limit in Palm Beach Gardens?
In Palm Beach 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.
Do I need a jumbo loan to buy in Palm Beach Gardens?
Not always. Many Palm Beach Gardens homes can be financed with high-balance conforming loans up to $832,750 before a true jumbo is needed. We'll tell you which fits your price point.
Which Palm Beach Gardens neighborhoods do you serve?
We serve buyers across Palm Beach Gardens, including PGA National, BallenIsles, Mirasol. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Can Choice Home Mortgage help me buy in Palm Beach Gardens, FL?
Yes. We help Palm Beach Gardens 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 Beach Gardens?
Yes — we also work with buyers in nearby Jupiter, West Palm Beach, Greenacres. Same process, local loan-limit details for each.
Let's finance your Palm Beach Gardens home.
No call center — just Esther. We'll find the program that fits your Palm Beach Gardens purchase and do the lender legwork.