Palm Beach Mortgage Company & Local Home Loan ExpertsLocal Rates. Palm Beach County Coverage.
Last updated August 21, 2026
ABS Home Mortgage, Inc. helps Palm Beach County homebuyers, luxury purchasers, and investors finance properties from Palm Beach Island estates and Boca Raton oceanfront condos to Jupiter waterfront homes and Wellington equestrian properties. Competitive rates and fast, local service.
Toll Free: 1-866-666-2378 (866-666-BEST)
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Why Work With a Palm Beach Mortgage Company?
Palm Beach's housing market has its own rhythms. A local broker understands the details that matter - from property taxes to neighborhood dynamics.
Luxury & Ultra-Jumbo Expertise
Palm Beach is one of the country's premier luxury markets. We specialize in Jumbo and Super-Jumbo loans, asset-based qualification, and portfolio programs that most banks can't offer.
Insurance, Flood & Wind Coverage
Oceanfront and Intracoastal properties come with unique wind and flood insurance requirements. We build accurate premiums into your pre-approval up front.
Condo & HOA Reviews
Boca Raton, West Palm, and Singer Island condos have complex HOA and reserve rules post-Surfside. We vet buildings early so your closing stays on track.
Snowbird & Investor Programs
We work with out-of-state buyers, self-employed borrowers, and investors using DSCR loans across Palm Beach County rentals.
Financing Luxury Homes Across Palm Beach County
From Palm Beach Island and Boca Raton to Jupiter, Wellington, and Delray Beach.
Competitive Mortgage Rates & Loan Programs in Palm Beach, FL
We shop the full loan menu to match your Palm Beach property and financial goals.
Jumbo Loans
Financing above conforming limits for Palm Beach Island, Manalapan, Highland Beach, and Boca Raton oceanfront estates.
Second Home Loans
Purchase and refinance programs tailored for seasonal residents and snowbirds.
Condo Loans
Warrantability and HOA reviews for West Palm, Boca Raton, and Singer Island high-rises.
Conventional Loans
Competitive rates for Palm Beach County buyers with strong credit.
VA Loans
Zero-down financing for veterans and active-duty service members across South Florida.
DSCR Loans
Investor financing based on rental income for Palm Beach County rentals and seasonal properties.
Palm Beach Mortgage Tools & Resources
Explore loan programs, check today's rates, and run the numbers for your Palm Beach property.
Mortgage Calculators
Run payment, affordability, and refinance scenarios for any Palm Beach home.
All CalculatorsUnderstanding Palm Beach County Property Taxes & Home Buying Math
The median home price in Palm Beach is currently around $615,000, and that number is only half the story. What decides your approval is the full monthly payment - principal, interest, taxes, insurance, and any HOA dues - measured against your gross monthly income.
Palm Beach County and Martin County assess property differently, and effective tax rates in this market run near 1.06%. Two homes at the same price can carry monthly tax escrows that differ by several hundred dollars depending on the taxing district, school levy, and whether homestead or senior exemptions are in place. A newly built or recently reassessed home can also see its bill jump the year after closing, which is why we underwrite to the forward tax figure rather than the seller's current bill.
Local demand here is anchored by Palm Beach Health Network, Florida Atlantic University, Worth Avenue and Royal Poinciana Plaza, and Wellington equestrian community. Strong school districts and employment centers hold values up, but they also push tax levies higher - a trade-off that shows up directly in your qualifying numbers.
In practical terms: every $250 of monthly property tax consumes roughly $250 of debt-to-income (DTI) capacity, which can reduce your maximum loan amount by tens of thousands of dollars. Most programs want your total DTI at or below 43-50% depending on loan type and compensating factors. We model your Palm Beach scenario with real county tax data, insurance quotes, and exemption timing before you write an offer - so your pre-approval holds up in underwriting instead of shrinking at the closing table.
Toll Free: 1-866-666-2378 (866-666-BEST)
Palm Beach Neighborhoods & Surrounding Areas We Serve
From starter homes to luxury properties and investor deals - we finance across the metro.
Surrounding areas we lend in: West Palm Beach, Jupiter, Boca Raton, Delray Beach, Wellington. Compare today's mortgage rates, run the numbers with our DSCR calculator and mortgage calculators, or request a Palm Beach rate quote.
Also serving Royal Palm Beach, Greenacres, Tequesta, Juno Beach, and the greater Palm Beach County area.
Trusted by Homeowners Across Florida
ABS Home Mortgage, Inc. has helped over 15,250 clients with more than $5 billion in funded loans. Our Florida team is known for fast responses, transparent advice, and competitive pricing.
Meet the TeamFrequently Asked Questions About Palm Beach Mortgages
Answers to common questions from Palm Beach homebuyers and investors.
Get Your Palm Beach Mortgage Quote Today
Start your pre-approval online or speak with a Palm Beach loan expert. No obligation, no hidden fees, and a pre-approval letter you can use right away.
Toll Free: 1-866-666-2378 (866-666-BEST)
ABS Home Mortgage, Inc. | NMLS ID #209985 | NMLS Consumer Access
ABS Home Mortgage, Inc. holds Florida Mortgage Broker License #MBR4304, NMLS ID #209985. Regulated by the Florida Office of Financial Regulation.
Equal Housing Lender. Not a commitment to lend. Rates, terms, and programs subject to change without notice and subject to borrower and property qualification. See our licensing page for full details.