Coconut Creek Mortgage Broker for Home, Condo, Jumbo and Investment Financing
Mortgages Done Right helps Coconut Creek buyers, homeowners, investors and self-employed borrowers compare mortgage options for single-family homes, condominiums and townhomes, jumbo purchases, investment properties and new construction near MainStreet.
Work directly with Greg Hayden, a Florida mortgage broker with more than 30 years of experience and access to over 25 wholesale lenders, rather than being limited to a single bank, builder-affiliated lender or online loan factory. Greg helps Coconut Creek borrowers compare conventional, jumbo, bank-statement, DSCR and FHA/VA financing side by side. Mortgages Done Right Inc. is based in Boynton Beach and serves buyers and homeowners throughout Coconut Creek and Broward County.
Years Mortgage Experience
Loans Closed
Wholesale Lenders
Across All Platforms!
Why Coconut Creek Borrowers Work With an Independent Mortgage Broker
Many of the mortgage options that come up in a Coconut Creek search are builder-affiliated lenders or large call-center loan factories. Those lenders can only offer their own guidelines and pricing. As an independent broker, Greg shops your loan across more than 25 wholesale lenders and shows you the tradeoffs, rather than presenting a single pre-set program.
Compare, Don’t Guess
Instead of one rate and one set of guidelines, Greg compares options from more than 25 wholesale lenders to find the structure that fits your goals.
Not Tied to a Builder
Builder-affiliated lenders are focused on closing their own new-construction sales. An independent broker works for you across resale, condo, townhome and new-construction purchases alike.
Self-Employed & Non-QM Access
Bank-statement, profit-and-loss and asset-based Non-QM options for eligible business owners and 1099 borrowers who don’t fit standard bank underwriting.
Condo & Townhome Experience
Experience navigating warrantable and non-warrantable condo review for Coconut Creek’s condo and townhome communities, including active-adult buildings.
Investor & DSCR Options
Conventional and DSCR investment-property financing for qualified rental homes, condos and townhomes, plus cash-out refinancing on existing rentals.
Direct Access to Greg
Work directly with Greg Hayden from application through closing, not a rotating call-center team.
Financing in a Growing Coconut Creek
Coconut Creek, known as the Butterfly Capital of the World for its parks and green spaces, has spent more than a decade advancing its MainStreet redevelopment along Lyons Road at Coconut Creek Parkway. According to the City of Coconut Creek, the roughly 200-acre MainStreet district is planned for up to 2,360 residential units alongside approximately 225,000 square feet of commercial, retail and office space, built under the city’s green-building requirements and organized around a central plaza and walkable streetscape.
That kind of sustained, officially planned mixed-use growth does not guarantee future property values, and Mortgages Done Right does not make speculative predictions about appreciation. What it does mean is that Coconut Creek increasingly offers a wider range of housing choices than in past years, from established single-family neighborhoods and active-adult condo communities to newer townhomes and MainStreet-area residences. For move-up buyers, investors and self-employed borrowers, that broader mix of inventory creates more scenarios worth comparing, and more reasons to work with a broker who can match the right loan program to the property rather than offering a single one-size-fits-all option.
Condo and Townhome Financing in Coconut Creek
Condominiums and townhomes make up a significant share of Coconut Creek housing, including large active-adult communities and newer townhome developments. Financing a condo or townhome involves two separate reviews: the borrower’s qualification and the lender’s review of the association itself.
What Lenders Look At Beyond the Borrower
Depending on the lender and loan program, a condo or townhome association review can include the budget and reserve funding, insurance coverage, owner-occupancy ratios, any pending litigation, and, for older buildings, structural or reserve-study documentation. Special assessments and rising insurance premiums can also factor into the total monthly housing payment.
Some associations are considered warrantable and others non-warrantable, and lender overlays vary widely, including for large active-adult communities with age-restricted deed rules. A decline from one lender does not necessarily mean every lender will reach the same conclusion, which is one of the main reasons buyers compare a broker with access to more than 25 wholesale lenders rather than a single bank.
This is general information, not a guarantee of approval or condo-project eligibility. Every association and loan program is different.
Warrantable Condos
Associations that meet standard agency guidelines for owner-occupancy, budget, insurance and litigation typically allow the broadest range of loan programs.
Non-Warrantable Condos
Buildings with higher investor concentration, budget shortfalls or other flagged issues may still qualify through select Non-QM or portfolio lenders.
Active-Adult & 55+ Communities
Large age-restricted communities such as Wynmoor often have their own association eligibility considerations, reserve requirements and occupancy documentation. Many eligible owners age 62 and older also explore reverse mortgage options.
Townhome Associations
Newer townhome communities may be reviewed as attached PUDs or condos depending on how the association is structured, which can affect eligible loan programs.
Investment Condos & Townhomes
Rental condos and townhomes may qualify under conventional investment guidelines or DSCR programs, depending on the association and the lender.
New Construction Near MainStreet
Newer condo and townhome projects tied to Coconut Creek’s mixed-use growth may involve project-approval review before individual units can be financed.
Learn More About Warrantable and Non-Warrantable Condo Loans in Florida →
Jumbo and Move-Up Mortgage Options in Coconut Creek
As Coconut Creek’s housing mix broadens with new development near MainStreet, more buyers are moving up from a starter condo or townhome into a larger single-family home, or purchasing a higher-value property where the loan amount exceeds conforming limits. That is where jumbo financing becomes relevant.
The right structure depends on the borrower and the property. Reserves, verified assets, income documentation and property type can all affect qualification, and self-employed or high-net-worth buyers may benefit from bank-statement or asset-based programs instead of a traditional jumbo loan. Conventional financing, second-home guidelines and asset-based qualification are also available for eligible buyers.
Explore Jumbo Loans in Florida →
Explore Bank Statement Loans in Florida →
Self-Employed and Bank Statement Financing in Coconut Creek
Coconut Creek is home to a large number of small-business owners, Realtors, contractors and consultants whose tax returns don’t always reflect their true purchasing power after deductions. Traditional bank underwriting can be a poor fit for these borrowers, even when they have strong income and reserves.
Greg helps self-employed borrowers compare bank-statement programs that use 12 or 24 months of personal or business bank statements, profit-and-loss statement options, and asset-based or asset-depletion programs, in addition to traditional tax-return-based conventional and jumbo financing. Because these are Non-QM programs, guidelines, rates and reserve requirements vary significantly by lender, which is why comparing multiple wholesale lenders matters most for this borrower type.
Coconut Creek Investment Property and DSCR Loans
Between condos, townhomes, single-family rentals and a growing MainStreet district, Coconut Creek attracts a steady number of real estate investors. Financing options include conventional investment loans, DSCR loans that evaluate a property’s rental cash flow rather than relying solely on personal income, and cash-out refinancing to access equity in an existing rental.
Not every condominium or townhome association qualifies for DSCR or investment financing, and rental-restriction rules vary by association. Approval always depends on the property, the borrower and the selected lender’s guidelines.
Self-employed investors, Realtors, contractors and consultants who don’t show their full income on tax returns may also want to compare bank-statement and other Non-QM programs alongside traditional investor financing.
Reverse Mortgage Options for Coconut Creek Homeowners
Coconut Creek is home to a large population of long-tenured homeowners and condo owners, particularly in active-adult communities such as Wynmoor, which makes reverse mortgages a relevant option for some eligible retirees to understand, alongside other retirement-financing strategies.
Who May Be Eligible
Homeowners age 62 or older with sufficient equity in an eligible primary residence, including some condominiums in communities like Wynmoor, may qualify for a HECM reverse mortgage.
Accessing Home Equity
Eligible borrowers may access home equity and, if proceeds are sufficient, eliminate an existing required monthly mortgage payment on that home.
Ongoing Responsibilities
Borrowers remain responsible for property taxes, homeowners insurance, maintenance and any applicable HOA or condo association charges.
Purchase & Condo Options
HECM for Purchase may help some buyers finance a new home, and proprietary or jumbo reverse options may be available depending on the borrower, property and lender. Condominium eligibility can affect the available options.
Conventional, FHA and VA Loans for Coconut Creek Buyers
Not every Coconut Creek purchase calls for a specialty loan. Greg also helps traditional buyers compare conventional, FHA and VA options, along with reverse mortgage and other programs where relevant.
Conventional Loans
Purchase and refinance options for qualified primary residences, second homes and investment properties throughout Coconut Creek.
FHA Loans
Government-backed purchase and refinance options with flexible qualification for eligible primary-residence borrowers.
VA Loans
Purchase and refinance options for eligible veterans, active-duty service members and qualifying surviving spouses.
Reverse Mortgage
Home-equity options for eligible Coconut Creek homeowners age 62 and older, including some eligible condominium owners.
Refinancing
Rate-and-term and cash-out refinance options for eligible homeowners looking to adjust their existing mortgage.
New Construction
Independent financing options for new-construction purchases near MainStreet, compared against builder-affiliated lender offers.
Coconut Creek Mortgage Calculator
Estimate a monthly mortgage payment for a Coconut Creek single-family home, condo, townhome, investment property or refinance.
Your actual housing payment may also include Florida property taxes, homeowners insurance, condo or HOA dues, and mortgage insurance if applicable. Greg Hayden can help you compare the complete payment and available mortgage options.
A Calculator Estimates. Greg Compares.
Estimate the payment online, then speak with Greg about the property, association costs, loan program and lender options.
Mortgage Help Throughout Coconut Creek
Coconut Creek spans a wide range of property types, from active-adult condo communities to single-family neighborhoods and newer townhome developments. Financing considerations differ by community more than by name alone.
Wynmoor
Coconut Creek’s large active-adult condominium community, with numerous individual condo associations.
Financing here depends heavily on the specific association’s budget, reserves, insurance and owner-occupancy mix, so project-level eligibility review matters as much as borrower qualification.
The Township & Winston Park
Established single-family neighborhoods with a mix of long-tenured owners and move-up buyers.
Buyers here often compare conventional, jumbo and bank-statement options depending on home value and income documentation.
Regency Lakes & Surrounding Communities
Single-family and townhome communities popular with families and move-up buyers.
Financing scenarios here range from conventional purchase loans to jumbo and investment financing, depending on the specific home and buyer goals.
Why Coconut Creek Borrowers Work With Greg Hayden
Receive direct guidance from an experienced Florida mortgage broker who can compare multiple lenders and explain the strengths, costs and tradeoffs of each financing approach.
Direct Access to Greg
Work directly with Greg Hayden from the initial mortgage review through approval and closing.
30+ Years of Experience
Experience with conventional, jumbo, government, investor and specialty mortgage scenarios.
25+ Wholesale Lenders
Compare programs from a broad lender network rather than relying on one institution’s or builder’s guidelines.
Condo, Association & Investor Experience
Guidance for condo and townhome buyers, move-up buyers, investors and self-employed borrowers.
Mortgage Help Throughout Broward County
Mortgages Done Right serves borrowers throughout Coconut Creek, Pompano Beach, Deerfield Beach, Coral Springs, Parkland, Fort Lauderdale, Boca Raton and communities across Broward and Palm Beach counties.
Frequently Asked Questions
Do you work with buyers throughout Coconut Creek?
Yes. Mortgages Done Right helps buyers, homeowners and investors throughout Coconut Creek compare mortgage options from more than 25 wholesale lenders, working directly with Greg Hayden from our Boynton Beach office.
Can you finance a condo in Wynmoor or another Coconut Creek association?
Yes, subject to eligibility. Financing depends on both the borrower and the lender’s review of the specific condominium or association, including budget, reserves, insurance and occupancy.
What happens if a lender says my condo is non-warrantable?
A non-warrantable finding from one lender does not automatically apply to every lender. Some non-warrantable buildings may still qualify through select Non-QM or portfolio programs, which is one advantage of comparing multiple wholesale lenders.
Do you offer jumbo loans in Coconut Creek?
Yes. Jumbo financing is available for qualified buyers whose loan amount exceeds conforming limits, subject to reserves, income documentation and lender guidelines.
Can self-employed borrowers use bank statements to qualify?
Eligible self-employed borrowers may qualify using personal or business bank statements, profit-and-loss documentation or other approved Non-QM methods instead of traditional tax-return income.
Are DSCR loans available for Coconut Creek investment properties?
DSCR financing may be available for eligible rental properties based primarily on property cash flow. Not every condominium or townhome association qualifies, and eligibility depends on the lender’s specific guidelines.
Should I use the builder’s lender for a new-construction purchase near MainStreet?
You’re not required to. Builder-affiliated lenders can only offer their own programs and pricing. Comparing an independent broker’s options alongside the builder’s offer can help you evaluate whether it’s competitive.
Do you offer FHA and VA loans in Coconut Creek?
Yes. FHA and VA financing is available for eligible primary-residence buyers, veterans, active-duty service members and qualifying surviving spouses, alongside conventional and specialty programs.
Do you offer reverse mortgages in Coconut Creek, including in Wynmoor?
Yes. Eligible homeowners age 62 and older, including some condo owners in active-adult communities such as Wynmoor, may be able to compare HECM reverse mortgage options, subject to borrower, property and lender eligibility requirements.
Can you help with refinancing an existing Coconut Creek mortgage?
Yes. We help homeowners compare rate-and-term and cash-out refinance options based on their current loan, property and financial goals.
Talk Directly With a Coconut Creek Mortgage Broker
Contact Greg Hayden for personalized guidance on Coconut Creek condos and townhomes, jumbo and move-up financing, investment properties, self-employed income and traditional home purchases.