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Now Lending in West Palm Beach

West Palm Beach home loans —
the Palm Beaches.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across West Palm Beach and Palm Beach County. From historic homes in El Cid and Flamingo Park to downtown condos and new construction, we bring local guidance to the Palm Beaches — 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
Palm Beach County
The Palm Beaches
14 days*
Close In As Little As
$832,750
2026 Palm Beach County Conforming Limit
5.0 ★
Google Review Rating
West Palm Beach Markets

Local lending across
every West Palm Beach neighborhood.

West Palm Beach Neighborhoods

Historic in-town districts alongside downtown towers and waterfront living.

  • El Cid & Flamingo Park
  • Northwood Shores & Old Northwood
  • SoSo (South of Southern)
  • Downtown & the waterfront
The County Seat

A growing downtown economy with arts, finance, and easy coastal access.

  • Condo & downtown financing
  • Historic-district purchases
  • Palm Beach County coverage
  • Minutes to PBI & Brightline
Every Kind of WPB Buyer

From first-time buyers to move-up, luxury, and investor purchases.

  • First-time & move-up buyers
  • Condos, townhomes & new construction
  • Jumbo financing for higher-priced homes
  • Investment & rental properties (DSCR)
El CidFlamingo ParkNorthwoodSoSoOld NorthwoodGrandview HeightsDowntownProspect ParkMango Promenade
Loan Programs in West Palm Beach

Financing for every
kind of West Palm Beach buyer.

FHA Loans

3.5% down with flexible credit — the most popular path for first-time West Palm Beach homebuyers.

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VA Loans

0% down for West Palm Beach'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 West Palm Beach's luxury and higher-priced markets above conforming limits.

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DSCR Loans

Qualify on rental income to scale your West Palm Beach investment-property portfolio.

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Non-QM Loans

Bank statement and alternative-doc programs for West Palm Beach's self-employed borrowers.

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FAQ

West Palm Beach mortgage
questions answered.

We serve homebuyers and homeowners throughout West Palm Beach and Palm Beach County, including El Cid, Flamingo Park, Northwood, SoSo, and downtown, plus nearby Lake Worth Beach and Palm Beach Gardens.
The 2026 conforming loan limit is $832,750 in Palm Beach County, including West Palm Beach. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's higher-priced homes.
West Palm Beach 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 West Palm Beach home journey?

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

Start My Application Call (561) 299-5825