West Palm Beach, FL
A better way to mortgage in West Palm Beach, FL.
West Palm Beach buyers get the full menu — first-time-buyer, conventional, FHA — fitted to the West Palm Beach budget you actually have, El Cid included.
Who can help me get a mortgage in West Palm Beach, FL?
Choice Home Mortgage can. We arrange West Palm Beach home loans through licensed partner brokers in Florida and coordinate each West Palm Beach file ourselves; our own license is California's (NMLS #2629064). Owner Esther Buede coordinates it personally, and we compare many lenders for it.
For 2026, a one-unit West Palm Beach home can carry a conforming loan of up to $832,750, the Palm Beach County limit FHFA sets, and we check where your West Palm Beach price falls before you write an offer. The whole process runs by phone and online.
Inside the West Palm Beach mortgage market.
West Palm Beach is Palm Beach County’s government and commercial hub, with a downtown densifying since the Brightline rail station opened — a genuine transit-oriented demand node in a car-organized county; its historic districts offer pre-war stock at discounts to barrier-island Palm Beach.
Every West Palm Beach loan starts from that reality. A one-unit West Palm Beach purchase conforms to $832,750 in 2026 — the national baseline Palm Beach County runs on. Most West Palm Beach purchases sit comfortably under that $832,750 line, keeping conventional, FHA, and down-payment-assistance open for West Palm Beach buyers. West Palm Beach sits solidly middle-of-market as a price tier. FHFA resets these limits each year; we verify before we quote.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
From El Cid over to SoSo, West Palm Beach’s 102,000-plus residents sit within minutes of Greenacres and Palm Beach Gardens. We work West Palm Beach from the ground up — close to the Norton Museum of Art. We finance homes across El Cid, Northwood Village, Flamingo Park, and SoSo — and every other corner of West Palm Beach. “Mortgage broker near me” in West Palm Beach usually means the closest office — we skip the office and bring West Palm Beach-level help by phone and online instead. Florida coverage here spans 73 cities, West Palm Beach among them — each on its own county limits, each shopped the same way.
What you get with a local broker.
West Palm Beach market knowledge
El Cid, Northwood Village, Flamingo Park, over to the Norton Museum of Art — West Palm Beach's pockets price differently, and the right program follows the pocket.
Down-payment friendly
West Palm Beach buyers often start with first-time-buyer, conventional, FHA — we match West Palm Beach files to the down-payment and first-time programs they qualify for.
Lenders shopped for you
Instead of one bank's rates, your West Palm Beach application sees many lenders competing — that's the whole point of working with us.
Owner-coordinated
Your West Palm Beach file is coordinated by owner Esther Buede herself, and in West Palm Beach or Greenacres hers is the name buyers recognize from our reviews.
The owner coordinates your file. Personally.
In West Palm Beach, owner Esther Buede (individual NMLS #2003644) coordinates your loan personally with our licensed partner brokers, from Northwood Village to every part of West Palm Beach. Choice Home Mortgage has been closing loans since 2005. Meet the family behind CHM →
“A very special lady. Esther took me by the hand and walked me thru each and every bump in the road.”
Your West Palm Beach file decides the loan.
Around the Norton Museum of Art, first-time-buyer remains the workhorse of West Palm Beach lending. For West Palm Beach we lean on first-time-buyer, conventional, FHA through our licensed partner-broker network — but whatever fits your West Palm Beach file, we shop it: VA, non-QM, conventional, and FHA. Any starting point works: buying, refinancing your mortgage, or simply exploring — begin online or call (949) 522-7310.
West Palm Beach buyers most often work with conventional, FHA, first-time-buyer, down-payment-assistance.
Not every West Palm Beach file fits a W-2 box — self-employed buyers can qualify on bank-statement income. The full Palm Beach County 2026 loan-limit breakdown covers every unit count, not just the single-family line above.
Close to West Palm Beach, we also help buyers in Greenacres, Palm Beach Gardens, Wellington. More Florida cities we work in →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps West Palm Beach, FL buyers through licensed partner brokers. Equal Housing Opportunity. West Palm Beach is served remotely — we keep no office there.
West Palm Beach questions we hear most.
What counts as a conforming loan amount in West Palm Beach?
$832,750 is the 2026 conforming limit for a single-family home in West Palm Beach, based on FHFA's figure for Palm Beach County. That is the national baseline with no high-cost adjustment, so a loan above $832,750 is a jumbo loan. Two-unit homes in Palm Beach County have a $1,066,250 conforming limit for 2026.
Do West Palm Beach first-time buyers have good loan options?
Yes. First-time buyers in West Palm Beach can choose from conventional and FHA loans, and down-payment assistance where they qualify. Some conventional programs accept 3% down from first-time buyers. HUD's 2026 FHA limit for one unit in Palm Beach County is $667,000. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules.
What parts of West Palm Beach do you work in?
Every part of West Palm Beach, including El Cid, Northwood Village, Flamingo Park and SoSo. The neighborhood affects the appraisal, which compares recent nearby sales, but the loan terms come from your credit, income and down payment. Licensed partner brokers originate loans across El Cid and SoSo, and we coordinate them by phone and online.
Do you work with West Palm Beach, FL buyers?
Yes. We work with West Palm Beach buyers through licensed partner brokers who hold the Florida license, and we coordinate each file. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no West Palm Beach office, so the application, documents and updates run by phone and online.
Do you serve areas near West Palm Beach?
Yes. Besides West Palm Beach, we also arrange loans in Greenacres, Palm Beach Gardens and Wellington through licensed partner brokers. Loan limits are set county by county, so the limit is re-checked for whichever town the home is in. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as a West Palm Beach file.
How do we work together on a West Palm Beach purchase?
We start with a call to map your West Palm Beach 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.
Also serving homebuyers near West Palm Beach
Ready for your West Palm Beach address?
Your West Palm Beach plans, the owner's full attention, and a market of lenders shopped on your West Palm Beach file's behalf.