Palm Coast, FL
Buy your first Palm Coast, FL home with confidence.
FHA, down-payment-assistance, and first-time-buyer programs that fit Palm Coast budgets. We walk you through every step.
Palm Coast home loans, the honest version.
Palm Coast is a planned community on Florida’s First Coast midway between St. Augustine and Daytona Beach, with Atlantic access at Flagler Beach and the Intracoastal — a combination drawing a structurally growing retirement and relocation market from the Northeast and Midwest at prices below comparable coastal Florida metros.
That market shapes the loan. In Flagler County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Palm Coast purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and first-time-buyer options on the table. Limits per FHFA 2026; verify your scenario with us.
We work Palm Coast from the ground up — close to Flagler Beach and the Intracoastal Waterway. We finance homes across Palm Harbor, Grand Haven, Indian Trails, and Pine Lakes — and every other corner of Palm Coast. Looking for a mortgage broker near you in Palm Coast? 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 Coast market knowledge
Near Flagler Beach and the Intracoastal Waterway, across Palm Harbor, Grand Haven, Indian Trails — we know Palm Coast's neighborhoods, prices, and the programs that fit them.
First-time & assistance
Palm Coast buyers often start with FHA, first-time-buyer, retirement/relocation conventional — 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 Coast file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your Palm Coast loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Palm Coast, 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 Coast purchase, not a template.
For Palm Coast we lean on FHA, first-time-buyer, retirement/relocation conventional 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 Coast, we also help buyers in Ormond Beach, Daytona Beach, Port Orange. See all Florida cities we serve →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Palm Coast, FL buyers through licensed partner brokers. Equal Housing Opportunity. We serve this area; we do not maintain a Palm Coast office.
Palm Coast mortgage questions, answered.
What's the 2026 conforming loan limit in Palm Coast?
In Flagler 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 Coast?
FHA loans, down-payment-assistance, and first-time-buyer programs are common paths in Palm Coast. We match you to the ones you qualify for.
Which Palm Coast neighborhoods do you serve?
We serve buyers across Palm Coast, including Palm Harbor, Grand Haven, Indian Trails. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Can Choice Home Mortgage help me buy in Palm Coast, FL?
Yes. We help Palm Coast 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 Coast?
Yes — we also work with buyers in nearby Ormond Beach, Daytona Beach, Port Orange. Same process, local loan-limit details for each.
Let's finance your Palm Coast home.
One call with the owner — local, honest, no pressure. We'll tell you which program fits your Palm Coast purchase and shop the lenders for you.