Boca Raton · Palm Beach County

Mortgage Broker in Boca Raton, Palm Beach County, Florida

2026 Loan Limits in Boca Raton, Palm Beach County

The 2026 conforming loan limit in Palm Beach County is $832,750 — Florida's standard baseline — which covers the majority of Boca Raton purchases. Palm Beach County's FHA limit is $645,000, or $103,713 above Florida's $541,287 floor, giving FHA buyers meaningfully more purchasing power than buyers in most Florida markets.

Loan Programs Available

Conventional

Fannie Mae and Freddie Mac financing up to $832,750 in Palm Beach County — primary, second home, and investment.

FHA

3.5% down, flexible credit, no income cap. Boca Raton's 2026 FHA ceiling: $645,000.

DSCR

Investment property financing that qualifies on rental income — no personal income documentation required. Common in Boca Raton for long-term rentals and small multi-unit properties.

Jumbo & Non-QM

For loans above the conforming ceiling, bank statement, P&L, asset depletion, and foreign national programs are available.

Local Market Notes

Palm Beach County; FAU proximity; golf communities; retiree and executive market.

Frequently Asked Questions

What is the 2026 conforming loan limit in Boca Raton, Florida?

Boca Raton sits in Palm Beach County, where the 2026 conforming loan limit is $832,750. Loans up to that amount are eligible for Fannie Mae or Freddie Mac financing; anything above is jumbo territory.

What is the 2026 FHA loan limit in Boca Raton?

The 2026 FHA loan limit in Palm Beach County is $645,000 for a single-family home. FHA financing allows 3.5% down with flexible credit and no income cap.

What loan programs does Tayton Capital offer in Boca Raton?

We offer conventional, FHA, VA, DSCR, jumbo, and Non-QM (bank statement, P&L, asset depletion, foreign national) financing in Boca Raton and throughout Florida.