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Palm Coast, Flagler County

Palm Coast Mortgage Broker

Your licensed Palm Coast Mortgage Broker for FHA, Conventional, VA & Down Payment Assistance home loans. As a trusted mortgage broker serving Palm Coast and all of Flagler County, we close loans in 14–21 days with honest rates and no surprises.

$370,000
Median Home Price
89,258
Population
32164
Primary ZIP
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Get Pre-Approved in Palm Coast
5 minutes · No cost · Soft credit pull only
NMLS# 1859012 · Equal Housing Lender
Home Loans in Palm Coast

Palm Coast Home Loan Programs

Mortgage Capital is your local Palm Coast Mortgage Broker. Palm Coast — Largest city, master-planned in Flagler County— has its own price points and buyer profile, and we match each loan to it instead of running every client through the same box.

Whether you are purchasing your first home in Palm Coastor refinancing an existing mortgage, our team provides personalized guidance from application to closing. Furthermore, as a mortgage broker — not a bank — we shop dozens of lenders to find you the most competitive Palm Coast mortgage rates available in 2026.

Palm Coast's median price of around $370,000 puts it in the heart of Flagler County's first-time and move-up buyer range. Buyers here split fairly evenly between FHA and conventional financing, and many qualify for Florida down payment assistance. We shop both routes side by side so Palm Coast clients see the real monthly difference before committing.

Available Loan Programs in Palm Coast
✓FHA loans — 3.5% down with flexible credit
✓Conventional loans from 3% down
✓VA loans — $0 down for veterans
✓Down Payment Assistance — Hometown Heroes & FL Housing
✓First-time buyer programs
✓Refinance — rate/term & cash-out

Prices in Palm Coaststill vary by neighborhood and property type, so the right loan program and down payment strategy depend on your specific target range. Ready to see real numbers? We'll pull current Palm Coastrates for your price point and program at no cost — start with a five-minute application or call (561) 300-0380.

Palm Coast Market Data — 2026
CityPalm Coast
CountyFlagler County
ZIP Code32164
Median Price$370,000
Population89,258
Avg Close Time14–21 Days
Broker NMLS#1859012
How It Works in Palm Coast
01
Apply Online
5 min · soft credit pull only
02
Rate Lock
We shop lenders for your best rate
03
Processing
Our team handles paperwork
04
Close
In Palm Coast — typically 14–21 days
FAQ

Palm Coast Mortgage Questions

How do I find a mortgage broker in Palm Coast, FL?

Mortgage Capital is a licensed Palm Coast Mortgage Broker (NMLS# 1859012). However, choosing the right broker matters because not all lenders offer the same programs or service. Because we are locally based in South Florida, we know the Palm Coast market and the specific programs available to Palm Coast buyers. Call us at (561) 300-0380 or apply online for a free consultation.

What is the minimum down payment for a home in Palm Coast?

For a $370,000 home in Palm Coast, a 3% conventional down payment runs roughly the low five figures, while FHA's 3.5% is comparable with easier credit requirements. VA loans offer $0 down for veterans, and Hometown Heroes can contribute up to $35,000 toward your down payment and closing costs — a major help in the Palm Coast price range.

How long does it take to close on a home in Palm Coast?

Most Palm Coast home loans close in 14–21 days with Mortgage Capital. Furthermore, our pre-approval process typically takes less than 24 hours. However, timelines can vary based on loan type, property condition, and seller cooperation. As a result, having a fully underwritten pre-approval letter from day one is the best way to strengthen your offer and accelerate the Palm Coast closing process.

Explore Loan Programs
Flagler County Mortgage BrokerFHA Loans FloridaDown Payment AssistanceAll Florida Loan ProgramsApply for Pre-Approval

Ready to Buy in Palm Coast?

Your local Palm Coast Mortgage Broker— 5-minute pre-approval, honest rates, fast closing.

(561) 300-0380

Rates are illustrative only. APR and payments vary by credit score, loan amount, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.