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Palm Beach Gardens, Palm Beach County

Palm Beach Gardens Mortgage Broker

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

$560,000

Median Home Price

60,818

Population

33410

Primary ZIP

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Get Pre-Approved in Palm Beach Gardens

5 minutes · No cost · Soft credit pull only

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NMLS# 1859012 · Equal Housing Lender

Home Loans in Palm Beach Gardens

Palm Beach Gardens Home Loan Programs

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

Whether you are purchasing your first home in Palm Beach Gardensor 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 Palm Beach Gardens mortgage rates available in 2026.

Additionally, Palm Beach Gardensbuyers 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 Palm Beach Gardens

✓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 Palm Beach Gardens is approximately $560,000. 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.

Palm Beach Gardens Market Data — 2026

CityPalm Beach Gardens

CountyPalm Beach County

ZIP Code33410

Median Price$560,000

Population60,818

Avg Close Time14–21 Days

Broker NMLS#1859012

How It Works in Palm Beach Gardens

Apply Online

5 min · soft credit pull only

Rate Lock

We shop lenders for your best rate

Processing

Our team handles paperwork

In Palm Beach Gardens — typically 14–21 days

FAQ

Palm Beach Gardens Mortgage Questions

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

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

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

The minimum down payment in Palm Beach Gardens 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 Palm Beach Gardens?

Most Palm Beach Gardens 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 Palm Beach Gardens closing process.

Also Serving Palm Beach County

Nearby Cities We Serve

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Ready to Buy in Palm Beach Gardens?

Your local Palm Beach Gardens 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.