Boca Raton, Palm Beach County

Boca Raton Mortgage Broker

Your licensed Boca Raton Mortgage Broker for Conventional, Jumbo, VA & investment property financing. As a trusted mortgage broker serving Boca Raton and all of Palm Beach County, we close loans in 14–21 days with honest rates and no surprises.

$620,000

Median Home Price

99,805

Population

33432

Primary ZIP

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Get Pre-Approved in Boca Raton

5 minutes · No cost · Soft credit pull only

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NMLS# 1859012 · Equal Housing Lender

Home Loans in Boca Raton

Home Loans From Your Boca Raton Mortgage Broker

Mortgage Capital is your local Boca Raton Mortgage Broker. Boca Raton — Luxury market, FAU hub in Palm Beach 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 buying your first home in Boca Raton or refinancing one you already own, our team guides you from application to closing. As a broker rather than a bank, we shop dozens of lenders to find you a competitive Boca Raton mortgage rate for 2026.

At a median near $620,000, Boca Raton sits at the move-up end of Palm Beach County. Many purchases here run just under or over the conforming loan limit, so the conventional-versus-jumbo decision matters. As a broker we compare both, plus portfolio options, to find the lowest all-in cost for Boca Raton buyers.

Boca Raton sits firmly in jumbo and high-balance territory. Its FAU and corporate crowd means we regularly place professionals into physician and asset-based programs alongside standard conventional financing.

Available Mortgage Programs in Boca Raton

✓Conventional loans — competitive rates for strong credit

✓FHA loans up to the county limit

✓VA loans — $0 down, no PMI for veterans

✓Jumbo loans for higher-priced homes

✓Down Payment Assistance where eligible

✓DSCR investment loans — no W2 needed

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

Boca Raton Market Data — 2026

CityBoca Raton

CountyPalm Beach County

ZIP Code33432

Median Price$620,000

Population99,805

Avg Close Time14–21 Days

Broker NMLS#1859012

How It Works in Boca Raton

Apply Online

5 min · soft credit pull only

Rate Lock

We shop lenders for your best rate

Processing

Our team handles paperwork

In Boca Raton — typically 14–21 days

FAQ

Boca Raton Mortgage Questions

How do I find a mortgage broker in Boca Raton, FL?

Mortgage Capital is a licensed Boca Raton Mortgage Broker (NMLS# 1859012). Choosing the right broker matters, since not every lender offers the same programs or service. We are based in South Florida, so we know the Boca Raton market and the programs that fit Boca Raton buyers. Call us at (561) 300-0380 or apply online for a free consultation.

What is the minimum down payment for a home in Boca Raton?

On a $620,000 Boca Raton home, conventional financing typically starts at 5–20% down. Qualified first-time buyers can still go as low as 3%. VA stays $0 down for eligible veterans. Where the loan crosses the conforming limit, a low-down jumbo may apply. We will show you exactly where that line falls for your Boca Raton purchase.

How long does it take to close on a home in Boca Raton?

Most Boca Raton home loans close in 14–21 days with Mortgage Capital, and our pre-approval usually takes under 24 hours. Timelines still shift with loan type, property condition, and how fast the seller moves. Walking in with a fully underwritten pre-approval letter is the best way to strengthen your offer and keep the Boca Raton closing on track.

Also Serving Palm Beach County

Nearby Cities We Serve

Explore Loan Programs

Florida Mortgage Locations FHA Loans Florida Down Payment Assistance All Florida Loan Programs Apply for Pre-Approval

Ready to Buy in Boca Raton?

Your local Boca Raton 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.