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Delray Beach, Palm Beach County

Delray Beach Mortgage Broker

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

$480,000

Median Home Price

72,442

Population

33444

Primary ZIP

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Get Pre-Approved in Delray Beach

5 minutes · No cost · Soft credit pull only

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NMLS# 1859012 · Equal Housing Lender

Home Loans in Delray Beach

Delray Beach Home Loan Programs

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

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

Additionally, Delray 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 Delray 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 Delray Beach is approximately $480,000. 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.

Delray Beach Market Data — 2026

CityDelray Beach

CountyPalm Beach County

ZIP Code33444

Median Price$480,000

Population72,442

Avg Close Time14–21 Days

Broker NMLS#1859012

How It Works in Delray Beach

Apply Online

5 min · soft credit pull only

Rate Lock

We shop lenders for your best rate

Processing

Our team handles paperwork

In Delray Beach — typically 14–21 days

FAQ

Delray Beach Mortgage Questions

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

Mortgage Capital is a licensed Delray 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 Delray Beach market and the specific programs available to Delray 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 Delray Beach?

The minimum down payment in Delray 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 Delray Beach?

Most Delray 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 Delray Beach closing process.

Also Serving Palm Beach County

Nearby Cities We Serve

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Ready to Buy in Delray Beach?

Your local Delray 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.