Highland Beach Mortgage Broker for Condos, Jumbo Loans, Reverse Mortgages & Complex Borrowers
Mortgages Done Right helps Highland Beach, Florida buyers and homeowners compare mortgage options for
oceanfront condominiums, luxury residences, second homes, refinancing, reverse mortgages, self-employed
borrowers and complex income situations.
Located between Boca Raton and Delray Beach along South Ocean Boulevard, Highland Beach is a unique
coastal community where financing can involve higher property values, condominium project requirements,
substantial homeowner equity and borrowers with significant assets or non-traditional income.
Years Experience
Loans Closed
Wholesale Lenders
Palm Beach County Broker
Mortgage Options Designed for Highland Beach Properties
Highland Beach is dominated by coastal residential real estate, including oceanfront and Intracoastal
condominiums, luxury residences and second homes. That creates financing situations that can be very
different from a typical suburban home purchase.
Condo association financials, insurance, reserves, structural requirements, special assessments,
property values and loan size can all affect financing. Mortgages Done Right works with multiple
wholesale lenders so borrowers are not limited to the programs of one bank.
We can help evaluate conventional, jumbo, reverse mortgage, bank statement, asset depletion,
investment and other financing options based on the borrower and the property.
Condo and Jumbo Financing in Highland Beach
Highland Beach borrowers often need a lender that understands both the borrower and the condominium
project. A strong financial profile alone does not guarantee that every condo will qualify under every
mortgage program.
Condo Financing
Financing for warrantable and certain non-warrantable condominium situations, depending on the
property, project and loan program.
Jumbo Loans
Jumbo financing for higher-value Highland Beach properties, including primary residences and
qualifying second homes.
Second Homes
Financing strategies for borrowers purchasing or refinancing a Florida coastal residence used as a
second home.
Reverse Mortgages for Highland Beach Homeowners
Many long-time Highland Beach homeowners have accumulated substantial equity in their condominium or
residence. For eligible homeowners age 62 and older, a reverse mortgage may provide a way to convert
a portion of that home equity into accessible funds without requiring a traditional monthly principal
and interest mortgage payment.
Homeowners may consider accessing equity for everyday living expenses, paying off an existing
mortgage or other obligations, establishing additional cash reserves, travel, home improvements or
handling condominium special assessments.
FHA-insured HECM reverse mortgages have specific condominium eligibility requirements. Depending on
the borrower, property and condominium project, proprietary reverse mortgage programs may also be
available and may have different condominium guidelines, including certain situations where
conventional warrantability is an issue.
Reverse mortgage eligibility and available proceeds depend on factors including age, property value,
existing liens and program requirements. Borrowers remain responsible for property taxes, homeowners
insurance, applicable association obligations, property maintenance and occupancy requirements.
Financing for Self-Employed, High-Asset & Complex Borrowers
Highland Beach buyers do not always fit neatly into a traditional bank underwriting box. Business
owners, retirees, investors and high-net-worth borrowers may have significant financial strength
even when taxable income does not tell the complete story.
Depending on the scenario, alternatives may include bank statement loans, asset depletion or
asset-qualifier programs, jumbo financing and other non-QM mortgage solutions.
Highland Beach Home Loan Options
We compare programs across multiple wholesale lenders to help match the financing to the borrower, property and long-term objective.
Conventional
Primary residences, second homes and qualifying condominium purchases or refinances.
Explore Conventional Loans →Jumbo Loans
Higher loan amounts for luxury and higher-value Highland Beach homes and condominiums.
Explore Jumbo Loans →Reverse Mortgage
Home-equity strategies for qualifying homeowners age 62 and older, including eligible condominium owners.
Explore Reverse Mortgages →Bank Statement
Alternative income documentation for qualifying self-employed borrowers and business owners.
Explore Bank Statement Loans →Asset Depletion
Financing programs that may use eligible assets to help establish qualifying income.
Explore Asset Depletion Loans →DSCR Investor
Investment-property financing primarily based on qualifying property cash flow.
Explore DSCR Loans →A Distinctive Coastal Community Between Boca Raton and Delray Beach
South Ocean Boulevard / A1A
Highland Beach stretches along South Ocean Boulevard, with the Atlantic Ocean to the east and the
Intracoastal Waterway to the west.
Oceanfront & Intracoastal Living
The town is known for its coastal residential character, luxury condominium buildings and waterfront
lifestyle.
Milani Park
Milani Park is one of Highland Beach’s recognizable local properties and part of the town’s long
history of protecting its distinctive residential character.
Why Work With a Mortgage Broker?
Instead of being limited to one bank’s mortgage programs, Mortgages Done Right can compare options
across more than 25 wholesale lenders.
Mortgage experience
More financing choices
Extensive lending experience
Palm Beach County focused
We beat the Banks. We do Mortgages Right.
Serving Highland Beach and Nearby Palm Beach County Communities
Highland Beach Mortgage FAQs
Do you provide mortgage financing for Highland Beach condos?
Yes. Mortgages Done Right works with buyers and owners of Florida condominiums. Approval depends on
both the borrower and the condominium project, and different lenders may have different project
requirements.
Can you finance a non-warrantable condo in Highland Beach?
Certain lenders offer financing for condominium projects that do not meet standard conventional
warrantability requirements. Eligibility depends on the specific project, borrower, loan amount,
occupancy and lender guidelines.
Are reverse mortgages available for Highland Beach condominium owners?
Potentially. FHA-insured HECM loans have specific condominium requirements, while some proprietary
reverse mortgage programs may use different eligibility standards. The condominium and borrower must
be reviewed to determine available options.
Can reverse mortgage proceeds be used for a condo special assessment?
Eligible reverse mortgage proceeds generally may be used by the homeowner for a variety of purposes,
including household expenses or other financial obligations. The available amount and program terms
depend on the individual loan scenario.
Do you offer jumbo loans for Highland Beach properties?
Yes. Jumbo programs are available for qualifying borrowers purchasing or refinancing higher-value
Florida properties, including qualifying primary residences and second homes.
Can self-employed borrowers qualify without using traditional tax-return income?
Depending on the borrower and loan program, bank statement, asset-based and other non-QM financing
options may be available.
Looking for a Mortgage Broker Serving Highland Beach?
Whether you are purchasing an oceanfront condo, refinancing a luxury residence, exploring a reverse
mortgage or need a solution for complex income, let us compare your options.
Mortgages Done Right Inc. • NMLS 1532755
Greg Hayden • NMLS 332209