Lake Worth, Palm Beach County

Lake Worth Mortgage Broker

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

$340,000

Median Home Price

38,000

Population

33460

Primary ZIP

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Get Pre-Approved in Lake Worth

5 minutes · No cost · Soft credit pull only

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NMLS# 1859012 · Equal Housing Lender

Home Loans in Lake Worth

Home Loans From Your Lake Worth Mortgage Broker

Mortgage Capital is your local Lake Worth Mortgage Broker. Lake Worth — arts district, diverse community 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 Lake Worth 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 Lake Worth mortgage rate for 2026.

Lake Worth's median price of around $340,000 puts it in the heart of Palm Beach 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 Lake Worth clients see the real monthly difference before committing.

Most mortgage searches for Lake Worth land here — the city officially renamed itself Lake Worth Beach in 2019, but the old name still drives most of the traffic. We serve the 33460 market under both names: FHA, VA, and down payment assistance for first-time buyers in the arts district and established neighborhoods, as well as conventional and renovation loans for move-up purchasers.

Available Mortgage Programs in Lake Worth

✓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 Lake Worthstill 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 Lake Worthrates for your price point at no cost — start with a five-minute application or call (561) 300-0380.

Lake Worth Market Data — 2026

CityLake Worth

CountyPalm Beach County

ZIP Code33460

Median Price$340,000

Population38,000

Avg Close Time14–21 Days

Broker NMLS#1859012

How It Works in Lake Worth

Apply Online

5 min · soft credit pull only

Rate Lock

We shop lenders for your best rate

Processing

Our team handles paperwork

In Lake Worth — typically 14–21 days

FAQ

Lake Worth Mortgage Questions

How do I find a mortgage broker in Lake Worth, FL?

Mortgage Capital is a licensed Lake Worth 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 Lake Worth market and the programs that fit Lake Worth buyers. Call us at (561) 300-0380 or apply online for a free consultation.

What is the minimum down payment for a home in Lake Worth?

On a $340,000 Lake Worth home, a 3% conventional down payment lands roughly in the low five figures. FHA's 3.5% is close, with more flexible credit requirements. VA loans offer $0 down for veterans. Hometown Heroes can also add up to $35,000 toward your down payment and closing costs — a major help in the Lake Worth price range.

How long does it take to close on a home in Lake Worth?

Most Lake Worth 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 Lake Worth closing on track.

Also Serving Palm Beach County

Nearby Cities We Serve

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Ready to Buy in Lake Worth?

Your local Lake Worth 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.