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Gulf Stream, Palm Beach County

Gulf Stream Mortgage Broker

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

$2,200,000

Median Home Price

858

Population

33483

Primary ZIP

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Get Pre-Approved in Gulf Stream

5 minutes · No cost · Soft credit pull only

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NMLS# 1859012 · Equal Housing Lender

Home Loans in Gulf Stream

Gulf Stream Home Loan Programs

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

Whether you are purchasing your first home in Gulf Streamor 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 Gulf Stream mortgage rates available in 2026.

Additionally, Gulf Streambuyers 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 Gulf Stream

✓FHA loans — ideal for first-time buyers

✓Conventional loans for strong credit borrowers

✓VA loans for eligible veterans

✓USDA loans (check eligibility for this area)

✓Down Payment Assistance programs

✓Refinance — rate/term & cash-out

The median home price in Gulf Stream is approximately $2,200,000. 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.

Gulf Stream Market Data — 2026

CityGulf Stream

CountyPalm Beach County

ZIP Code33483

Median Price$2,200,000

Population858

Avg Close Time14–21 Days

Broker NMLS#1859012

How It Works in Gulf Stream

Apply Online

5 min · soft credit pull only

Rate Lock

We shop lenders for your best rate

Processing

Our team handles paperwork

In Gulf Stream — typically 14–21 days

FAQ

Gulf Stream Mortgage Questions

How do I find a mortgage broker in Gulf Stream, FL?

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

What is the minimum down payment for a home in Gulf Stream?

The minimum down payment in Gulf Stream 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 Gulf Stream?

Most Gulf Stream 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 Gulf Stream closing process.

Also Serving Palm Beach County

Nearby Cities We Serve

Explore Loan Programs

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Ready to Buy in Gulf Stream?

Your local Gulf Stream 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.