Atlantis Mortgage Broker for Golf-Course Homes, Medical Professionals, Jumbo Borrowers & Complex Income
Mortgages Done Right helps Atlantis, Florida homebuyers and homeowners compare mortgage
options for higher-value homes, conventional and jumbo financing, self-employed income,
asset-based qualification, refinancing, investment properties and retirement strategies.
Atlantis is one of Palm Beach County’s most distinctive residential communities, known
for its golf-course setting, mature landscaping, quiet streets, established homes and
close connection to HCA Florida JFK Hospital. Whether you are purchasing, refinancing
or evaluating a more complex mortgage scenario, we can compare programs from multiple
wholesale lenders.
Years Experience
Loans Closed
Wholesale Lenders
Palm Beach County Expertise
Mortgage Financing Designed Around the Atlantis Housing Market
Atlantis is not a typical suburban housing market. The community includes established
residences, golf-course properties, larger homes and borrowers whose financial profiles
may include salaries, bonuses, business ownership, investments, retirement assets and
other sources of income.
That can make lender selection especially important. One bank may evaluate a borrower
very differently from another, particularly when the loan amount is larger or the income
structure is more complicated.
Mortgages Done Right can compare programs from more than 25 wholesale lenders to help
identify financing that fits both the borrower and the property.
Jumbo, Conventional & Asset-Based Financing for Atlantis Homes
Higher-value properties and financially sophisticated borrowers often benefit from
comparing multiple underwriting approaches instead of relying on the guidelines of
a single bank.
01
Jumbo Mortgages
Higher-balance financing for qualifying primary residences and second homes with
access to multiple jumbo lenders and underwriting options.
02
Conventional Financing
Traditional purchase and refinance financing for qualified borrowers and eligible
residential properties.
03
Asset Depletion
Eligible retirement, investment and liquid assets may help certain borrowers establish
qualifying income when traditional income alone does not tell the full financial story.
Mortgage Solutions for Doctors, Nurses & Healthcare Professionals
HCA Florida JFK Hospital is located in Atlantis, making healthcare an important part
of the city’s identity and local economy. Over the years, Atlantis has attracted
physicians, nurses, medical professionals and other healthcare employees who value
living close to the hospital and surrounding medical offices.
Healthcare professionals can also have income profiles that require careful underwriting.
Compensation may include base salary, overtime, bonuses, shift differentials,
multiple employers, 1099 income or business ownership.
Rather than assuming one lender will treat every form of income the same way, we can
compare lender guidelines and structure the financing around the borrower’s actual
financial picture.
Financing for Business Owners, Retirees & Complex-Income Borrowers
A borrower can have excellent credit, substantial assets and strong overall finances
while still having difficulty qualifying under traditional tax-return underwriting.
Bank Statement Loans
Qualifying self-employed borrowers may be able to use eligible business or personal
bank deposits to help establish qualifying income.
Asset-Based Qualification
Substantial investment, retirement or liquid assets may help qualifying borrowers
establish income through asset-depletion or asset-qualifier programs.
Investor Financing
Real estate investors may have access to DSCR programs where qualification is based
primarily on the eligible rental property’s cash flow.
From Mulberry Farms to an Established Golf-Course Community
Long before Atlantis became a residential city, the land was part of an 834-acre
cattle ranch known as Mulberry Farms. Development of the planned community began
in the late 1950s, followed by golf, residential development and incorporation.
Golf remains an important part of the community’s character today, but Atlantis is
also defined by quiet residential streets, mature trees, lakes, landscaped common
areas and neighborhood amenities.
Kintz Park provides another side of Atlantis life, with recreation and gathering
space for residents and families. That balance of privacy, recreation and convenient
access to surrounding Palm Beach County communities helps make Atlantis a sought-after
residential location.
Reverse Mortgage Options for Eligible Atlantis Homeowners
Atlantis has many established homeowners who may have accumulated substantial home
equity. Qualifying homeowners age 62 and older may be able to access part of that equity
through a reverse mortgage.
HECM Reverse Mortgages
FHA-insured Home Equity Conversion Mortgages may allow eligible homeowners to access
home equity without a required monthly principal and interest mortgage payment,
subject to program requirements.
Higher-Value Home Options
Certain higher-value properties may also qualify for proprietary reverse mortgage
programs with different loan limits and guidelines than an FHA-insured HECM.
We compare programs from multiple wholesale lenders based on the property,
loan amount, income structure, assets and long-term financial objectives.
Higher-balance financing for qualifying primary residences and second homes.
Traditional purchase and refinance financing for qualifying borrowers.
Eligible financial assets may help certain borrowers establish qualifying income.
Alternative income documentation for qualifying self-employed borrowers.
Investment-property financing primarily based on eligible property cash flow.
Home-equity options for qualifying homeowners age 62 and older.
Financing Options for Atlantis Borrowers
Jumbo Loans
Conventional
Asset Depletion
Bank Statement
DSCR Investor
Reverse Mortgage
Experienced Mortgage Guidance With More Lending Choices
Greg Hayden and Mortgages Done Right bring more than three decades of mortgage
experience to borrowers throughout Atlantis and Palm Beach County.
Mortgage Experience
Wholesale Choices
Loans Closed
Palm Beach County Focus
We beat the Banks. We do Mortgages Right.
Mortgages Done Right also serves homebuyers and homeowners throughout
surrounding Palm Beach County.
Serving Atlantis & Nearby Palm Beach County Communities
Atlantis Mortgage FAQs
Do you provide mortgage financing in Atlantis, Florida?
Yes. Mortgages Done Right helps Atlantis buyers and homeowners compare mortgage
options for purchases, refinancing, higher-value homes, self-employed income,
investment properties and other qualifying scenarios.
Do you offer jumbo mortgages for Atlantis homes?
Yes. We work with multiple wholesale lenders offering jumbo financing for qualifying
higher-value primary residences and eligible second homes.
Can doctors and nurses use bonus or overtime income to qualify?
Potentially. The treatment of overtime, bonuses, shift differentials and other income
depends on the borrower’s history, documentation and specific lender guidelines.
Comparing lenders can be valuable when income is more complex than a basic salary.
Can self-employed borrowers qualify using bank statements?
Depending on the program and borrower, eligible personal or business bank deposits
may be used to help determine qualifying income instead of relying solely on
traditional tax-return income.
Can retirees qualify using their investment or retirement assets?
Potentially. Asset-depletion and other asset-based programs may allow qualifying
financial assets to help establish eligible income.
Are reverse mortgages available in Atlantis?
Potentially. Eligible homeowners age 62 and older may qualify for an FHA-insured
HECM or certain proprietary reverse mortgage programs depending on the borrower,
property and program requirements.
Do you offer investment-property financing in Atlantis?
Yes. Depending on the property and borrower, DSCR and other investment-property
financing options may be available.
Why use a mortgage broker instead of one bank?
A mortgage broker can compare loan programs and underwriting guidelines from
multiple wholesale lenders rather than limiting the borrower to the programs
offered by one institution.
Looking for a Mortgage Broker Serving Atlantis?
Whether you are purchasing a golf-course home, refinancing, evaluating a jumbo mortgage,
working at JFK Hospital or need a solution for complex income or substantial assets,
let us compare your financing options.
Mortgages Done Right Inc. • NMLS 1532755
Greg Hayden • NMLS 332209