Home›Locations›Palm Beach County›Boynton Beach

Boynton Beach, Palm Beach County

Boynton Beach Mortgage Broker

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

$390,000

Median Home Price

79,406

Population

33435

Primary ZIP

Call Now

Get Pre-Approved in Boynton Beach

5 minutes · No cost · Soft credit pull only

I consent to receive SMS from HomeMTG.loans. Reply STOP to opt out. Msg & data rates may apply. (Optional)

NMLS# 1859012 · Equal Housing Lender

Home Loans in Boynton Beach

Boynton Beach Home Loan Programs

Mortgage Capital is your local Boynton Beach Mortgage Broker — licensed, experienced, and committed to getting Boynton Beach home buyers into the right loan program at the best available rate.

Whether you are purchasing your first home in Boynton Beachor 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 Boynton Beach mortgage rates available in 2026.

Additionally, Boynton Beachbuyers have access to Florida's Down Payment Assistance programs, including the Hometown Heroes mortgage (up to $35,000 for first responders & educators) and Florida Housing Finance Corporation programs. Because every borrower's situation is unique, we start with a free consultation to identify the best fit.

Available Loan Programs in Boynton Beach

✓FHA loans with as little as 3.5% down

✓Conventional loans from 3% down

✓VA loans — $0 down for veterans

✓Down Payment Assistance — Hometown Heroes & FL Housing

✓Jumbo loans for higher-priced homes

✓DSCR investment loans — no W2 needed

The median home price in Boynton Beach is approximately $390,000. However, prices vary significantly by neighborhood and property type. As a result, the right loan program — and the right down payment strategy — depends on your specific target price range and financial situation.

Boynton Beach Market Data — 2026

CityBoynton Beach

CountyPalm Beach County

ZIP Code33435

Median Price$390,000

Population79,406

Avg Close Time14–21 Days

Broker NMLS#1859012

How It Works in Boynton Beach

Apply Online

5 min · soft credit pull only

Rate Lock

We shop lenders for your best rate

Processing

Our team handles paperwork

In Boynton Beach — typically 14–21 days

FAQ

Boynton Beach Mortgage Questions

How do I find a mortgage broker in Boynton Beach, FL?

Mortgage Capital is a licensed Boynton Beach 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 Boynton Beach market and the specific programs available to Boynton Beach buyers. Call us at (561) 300-0380 or apply online for a free consultation.

What is the minimum down payment for a home in Boynton Beach?

The minimum down payment in Boynton Beach depends on the loan program. For example, FHA loans require 3.5% down with a 580+ credit score, while Conventional loans start at 3% for qualifying first-time buyers. Furthermore, VA loans offer $0 down for eligible veterans, and USDA loans offer $0 down in eligible rural zones. Additionally, the Florida Hometown Heroes DPA can provide up to $35,000 in assistance, dramatically reducing what you need at closing.

How long does it take to close on a home in Boynton Beach?

Most Boynton Beach 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 Boynton Beach closing process.

Also Serving Palm Beach County

Nearby Cities We Serve

Explore Loan Programs

Palm Beach County Mortgage Broker FHA Loans Florida Down Payment Assistance All Florida Loan Programs Apply for Pre-Approval

Ready to Buy in Boynton Beach?

Your local Boynton Beach 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.