Palm Coast, FL
Buy your first Palm Coast, FL home with confidence.
Your Palm Coast purchase, financed on your terms — first-time-buyer, retirement/relocation conventional, FHA — with the Palm Coast legwork handled from Palm Harbor on out.
Does Choice Home Mortgage work with Palm Coast, FL buyers?
Yes. Choice Home Mortgage arranges home loans for Palm Coast 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 Coast 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 Coast home can carry a conforming loan of up to $832,750, the Flagler County limit FHFA sets, and we check where your Palm Coast price falls before you write an offer. The whole process runs by phone and online.
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’s the Palm Coast backdrop the loan has to fit. In Flagler County, a Palm Coast one-unit purchase conforms up to 2026’s $832,750 baseline for Palm Coast files. Under that $832,750 line — where most Palm Coast purchases sit — conventional, FHA, and VA all stay in play. Price-wise, Palm Coast runs entry-level. Per FHFA’s 2026 schedule — we’ll check your exact numbers.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Palm Coast holds 78,000-plus residents across pockets like Palm Harbor and Pine Lakes, with Ormond Beach and Daytona Beach right next door. Palm Coast detail matters to us — Flagler Beach and the Intracoastal Waterway and the streets that feed it included. Palm Coast buyers reach us from Palm Harbor, Grand Haven, Indian Trails, and Pine Lakes — and from every block in between. No drive needed in Palm Coast: licensed partner brokers originate Palm Coast loans, we coordinate them by phone and online, and our read on the Palm Coast market comes with it. Palm Coast is one of 73 Florida markets we cover, and every Florida file gets the same treatment: real Palm Coast numbers first, then lenders competing on them.
The broker difference, Palm Coast edition.
Palm Coast market knowledge
From Palm Harbor, Grand Haven, Indian Trails to Flagler Beach and the Intracoastal Waterway, we track what Palm Coast homes really cost and which loans carry them.
First Palm Coast home help
First-time-buyer, retirement/relocation conventional, FHA carry most Palm Coast purchases — and we check every assistance program a Palm Coast file qualifies for.
We shop; you choose
Palm Coast buyers bring us one file; we bring it to a market of lenders, and the competition does the rest.
The owner, coordinating
Owner Esther Buede coordinates every Palm Coast file herself, one point of contact from your first Palm Coast call to your closing.
One owner, coordinating your whole loan.
Every Palm Coast file has one coordinator: owner Esther Buede (individual NMLS #2003644). She’ll know your Palm Coast plans, Grand Haven or anywhere in Palm Coast, and your name from the first call. Meet the family behind CHM →
“I am a repeat customer. The service is spectacular.”
The loan follows your Palm Coast plan — not the reverse.
Demand around Flagler Beach and the Intracoastal Waterway keeps first-time-buyer activity steady in Palm Coast. The Palm Coast playbook usually starts with first-time-buyer, retirement/relocation conventional, FHA, arranged through licensed partner brokers — then we shop whatever your Palm Coast file calls for: conventional, VA, FHA financing, and non-QM. Jump in at any stage: buying, exploring a refinance, or just running numbers — apply online or call (949) 522-7310.
Expect FHA, first-time-buyer, retirement/relocation conventional, VA to carry most Palm Coast files.
Self-employed in Palm Coast? We also work with self-employed borrowers — bank-statement income included. Flagler County’s full 2026 loan limits by property type break down one- through four-unit ceilings if you want the complete picture.
And around Palm Coast: Ormond Beach, Daytona Beach, Port Orange are all in reach. Browse our Florida service areas →
Choice Home Mortgage (California-licensed, NMLS #2629064) serves Palm Coast, FL buyers through licensed partner brokers. Equal Housing Opportunity. We work with Palm Coast buyers remotely and maintain no Palm Coast office.
Real questions from Palm Coast buyers.
Where does the Palm Coast conforming loan limit sit for 2026?
The 2026 conforming loan limit for a one-unit home in Palm Coast is $832,750, the figure FHFA set for Flagler County. Flagler 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.
How do first-time buyers usually finance a Palm Coast home?
First-time buyers in Palm Coast usually finance with FHA, conventional and VA loans. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules. For FHA, the 2026 one-unit limit in Flagler County is $541,287, per HUD. Some conventional programs accept 3% down from first-time buyers.
Do you cover all of Palm Coast?
Yes, we cover all of Palm Coast, including Palm Harbor, Grand Haven, Indian Trails and Pine Lakes. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. For a one-unit home in Flagler County, the 2026 conforming limit is $832,750.
Will you take on my Palm Coast, FL purchase?
Yes. We take Palm Coast purchases through licensed partner brokers in Florida and coordinate the loan from the first call. Our own license is California's (NMLS #2629064); we keep no local office, and the file runs by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
Do you serve areas near Palm Coast?
Yes. Besides Palm Coast, we also arrange loans in Ormond Beach, Daytona Beach and Port Orange through licensed partner brokers. Every address is checked against its own county's 2026 limit before we quote. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as a Palm Coast file.
How does the process run for a Palm Coast buyer working with you?
A Palm Coast buyer starts with one call to set the plan, then applies online, uploads documents and gets updates as the file moves. Licensed partner brokers cover the Florida licensing, while Choice Home Mortgage (California NMLS #2629064) coordinates the file and the lender shopping. Owner Esther Buede is your point of contact from the first call to closing.
Start your Palm Coast loan today.
Tell us where in Palm Coast you're headed — the program match and the Palm Coast lender legwork are on us.