Mortgages in Palm Beach County, FL

Finding the right mortgage lender in Palm Beach County is the first step towards securing your dream home or investment property. Whether you’re a first-time buyer, refinancing, or looking for specialized loan options, Griffin Funding is here to guide you every step of the way. 

With a variety of loan programs and personalized support, we help you navigate the complexities of home financing while offering competitive mortgage rates in Palm Beach County.

Which best describes you?



Self Employed
Select this option if you work for yourself and not an employer.


VA Eligible
If you are a current service member or veteran select this option.


Real Estate Investor
Select this option if you invest in income-producing rental properties.


Other
Select this option if none of the other 3 options apply.

What is the loan purpose?



Purchase
A purchase loan can be used to buy a home.


Refinance
A 'rate and term' refinance allows you to improve the terms of your existing mortgage by lowering the monthly payment. A 'cashout refinance' allows you to convert equity into cash.


Home Equity
A home equity loan or line of credit is a 2nd mortgage that allows you to convert equity to cash without having to touch your existing 1st mortgage.

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    Where We Lend

    Palm Beach County is one of Florida’s most sought-after and desirable places to live, giving residents and tourists a mix of vibrant city life and serene beaches. With the help of Griffin Funding, you can access mortgage options that align with your goals—whether you’re buying in bustling West Palm Beach or a quiet neighborhood in Boca Raton.

    We’re ready to work with you to provide tailored financing options to make your home-buying journey feel seamless. Griffin Funding serves all areas of Palm Beach County, including but not limited to:

    • West Palm Beach
    • Boca Raton
    • Delray Beach
    • Boynton Beach
    • Wellington
    • Jupiter
    • Palm Beach Gardens
    • Lake Worth
    • Royal Palm Beach
    • Riviera Beach

    Types of Home Loans Available in Palm Beach County

    Griffin Funding offers a wide range of loan programs to meet the diverse needs of Palm Beach County residents, whether that means you’re buying your first home, upgrading to a larger space, or investing in a property to expand your portfolio.

    Palm Beach County’s real estate market also benefits from steady home appreciation, making now an ideal time to secure a mortgage. With rising property values and strong demand, purchasing a home can be a smart, long-term investment in your financial future and overall wealth-building strategy.

    Here’s a closer look at some of the options available:

    • Conventional Loans: Ideal for buyers with solid credit and a traditional income stream, offering competitive terms and flexible repayment options.
    • DSCR Loans: A debt service coverage ratio (DSCR) loan allows you to finance one or more investment properties and use the property’s rental income to qualify. 
    • Bank Statement Loans: A bank statement loan makes it possible for self-employed borrowers to qualify for a mortgage through bank statements rather than tax returns. 
    • Asset-Based Loans: Leverage your liquid assets to qualify for home financing. 
    • FHA Loans: A great choice for first-time buyers or those with lower credit scores, offering more lenient qualification criteria and a smaller down payment. 
    • VA Loans: Tailored for eligible veterans and military families, these loans feature no down payment requirements and favorable interest rates.
    • USDA Loans: This government-backed mortgage program allows borrowers to purchase property in rural areas with low rates and no down payment required. 
    • ITIN Loans: If you’re a foreign national looking to buy real estate in Florida, an ITIN loan allows you to get a mortgage with no Social Security number required. 
    • Home Equity Loans: We can help homeowners secure a second mortgage, a cash-out refinance loan, or a home equity line of credit (HELOC) in Palm Beach County. 
    • Investment Property Loans: We offer a variety of financing options for those looking to buy a rental property, take on a fix-and-flip project, or acquire a property that will appreciate in value
    • Private Money Loans: If you’re in need of quick, short-term funding, explore our hard money lending options in Florida. 

    Think you qualify for a loan? Contact us today to find out!

    Contact Us

    How to Get a Home Loan in Palm Beach County

    Securing a mortgage in Palm Beach County with Griffin Funding is a simple and straightforward process designed to prioritize your convenience while offering expert guidance every step of the way. 

    Here’s a detailed look at how Florida mortgages work when partnering with our Griffin Funding team:

    1. Pre-Approval: The journey begins with determining how much you can afford. From there, our team reviews your financial details, such as income, debt, and credit profile, and provides a pre-approval letter. This letter not only helps you understand your budget but also positions you as a serious buyer to sellers.
    2. Choose the Right Loan: With a wide range of loan programs, including conventional, VA, FHA, and non-QM loans, our experts will work with you to find the one that best aligns with your financial goals and needs.
    3. Submit Your Application: You’ll complete the application by submitting the required documents, such as income verification, credit history, and asset statements. The Griffin Funding team will guide you through the process, paying close attention to make sure that nothing is overlooked.
    4. Underwriting: During the underwriting process, our team evaluates your application, verifies all of the information you provided, and may request additional documentation to finalize the approval process.
    5. Loan Approval: Once your application is approved, you’ll receive a clear and detailed loan offer outlining terms, interest rates, and repayment conditions.
    6. Closing: The final step is closing, where you finalize paperwork, complete payments, and officially take ownership of your new home or refinance your existing property.

    With Griffin Funding, every stage of the process is transparent and personalized to ensure you feel confident and well-supported throughout your home-buying journey. 

    Why Work With Griffin Funding?

    Choosing Griffin Funding as your Palm Beach County mortgage lender comes with several significant advantages. With years of experience as one of the top mortgage companies in Palm Beach County, we bring expert guidance and a deep understanding of the local market to offer advice tailored to your unique needs. Our commitment to competitive rates ensures you’ll benefit from some of the most attractive current mortgage rates in Palm Beach County, helping you stay ahead in your home-buying journey. 

    Whether you’re looking for a standard loan or an alternative financing solution, our flexible loan options cater to all kinds of financial circumstances. On top of the expert guidance you’ll receive from our loan specialists, our user-friendly Griffin Gold app simplifies the mortgage process by providing real-time updates and resources at your fingertips. 

    Partner With a Trusted Mortgage Lender in Palm Beach County

    Griffin Funding is committed to helping you reach your homeownership dreams in Palm Beach County. With a deep understanding of the local market, a broad selection of loan programs, and a reputation as one of the best mortgage companies in Palm Beach County, we’re here to guide you through every step of the process, making it a smooth and stress-free experience.

    Whether you’re trying to buy your first home or finance an ADU, Griffin Funding offers personalized solutions designed to meet your specific needs and financial goals. With an understanding of the current market, expert guidance, and unwavering personalized support, we’re your trusted partner for mortgages in Palm Beach County. Reach out today to find the mortgage that best aligns with your goals.