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Now Lending in Boca Raton

Boca Raton home loans —
the heart of South Palm Beach.

Smart Mortgage Solutions is a Boca Raton-based mortgage lender serving homebuyers, homeowners, real estate agents, and investors across our hometown and South Palm Beach County. From luxury estates in Royal Palm to condos near Mizner Park and family homes in Woodfield, we bring local guidance to the heart of Boca — with the ability to close in as little as 14 days* and pre-approvals often issued the same day.

Get Pre-Approved Call (561) 299-5825
South Palm Beach
Palm Beach County Coverage
14 days*
Close In As Little As
$832,750
2026 Palm Beach County Conforming Limit
5.0 ★
Google Review Rating
Boca Raton Markets

Local lending across
every Boca Raton neighborhood.

Boca Raton Neighborhoods

From gated golf and waterfront communities to walkable downtown living.

  • East Boca & Mizner Park
  • Royal Palm Yacht & Country Club
  • Boca West & Broken Sound
  • Woodfield & The Oaks
Our Hometown Market

Smart Mortgage Solutions is headquartered here — no one knows Boca better.

  • Luxury & waterfront financing
  • Condo & country-club communities
  • Palm Beach County coverage
  • Minutes to FAU & I-95
Every Kind of Boca Buyer

From move-up families to luxury, second-home, and investor purchases.

  • Move-up & growing-family buyers
  • Jumbo financing for luxury estates
  • Second homes & seasonal residences
  • Investment & rental properties (DSCR)
East BocaRoyal PalmBoca WestWoodfieldBroken SoundThe OaksMizner ParkBoca BridgesSanctuary
Loan Programs in Boca Raton

Financing for every
kind of Boca Raton buyer.

FHA Loans

3.5% down with flexible credit — the most popular path for first-time Boca Raton homebuyers.

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VA Loans

0% down for Boca Raton's veterans and active-duty service members. No monthly mortgage insurance.

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Conventional Loans

Fixed and ARM options within the local $832,750 conforming limit for strong-credit borrowers.

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Jumbo Loans

High-balance financing for Boca Raton's luxury and higher-priced markets above conforming limits.

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DSCR Loans

Qualify on rental income to scale your Boca Raton investment-property portfolio.

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Non-QM Loans

Bank statement and alternative-doc programs for Boca Raton's self-employed borrowers.

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FAQ

Boca Raton mortgage
questions answered.

We serve homebuyers and homeowners throughout Boca Raton and South Palm Beach County, including East Boca, Royal Palm Yacht & Country Club, Boca West, Broken Sound, and Woodfield, plus nearby Delray Beach and Highland Beach.
The 2026 conforming loan limit is $832,750 in Palm Beach County, including Boca Raton. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's luxury and waterfront homes.
Boca Raton borrowers have access to FHA, VA, conventional, jumbo, Non-QM, DSCR, commercial, private money, and second mortgage / HELOC financing — for primary residences, second homes, and investment properties.

Ready to start your Boca Raton home journey?

Get pre-approved today — no cost, no obligation. Boca Raton borrowers, let's get you to the closing table.

Start My Application Call (561) 299-5825