Hobe Sound Mortgage Broker for Jumbo Homes, Retirees, Asset-Rich Buyers and Second Homeowners
Mortgages Done Right helps Hobe Sound buyers, homeowners, retirees and self-employed borrowers compare mortgage options for golf-community estates, second homes, retirement financing and investment properties.
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 one bank’s programs. Greg helps Hobe Sound borrowers compare jumbo, reverse mortgage, bank-statement, asset-depletion, conventional and FHA/VA financing side by side. Mortgages Done Right Inc. is based in Boynton Beach and serves buyers and homeowners throughout Hobe Sound and Martin County. Hobe Sound is its own community adjacent to, but separate from, the town of Jupiter Island.
Years Mortgage Experience
Loans Closed
Wholesale Lenders
Across All Platforms!
What Our Clients Say About Working With Mortgages Done Right
“Professionalism, knowledge, customer service, and punctuality—this is what Mortgages Done Right is about and what I experienced personally. Plain and simple, a five-star rating in all aspects of the loan process. Thank you, Greg, Carla, and staff.”
Manny Planakis
Client Testimonial
“Thank you, Mortgages Done Right, for assisting my family in getting our first home. Greg was extremely knowledgeable and very patient in helping us understand the process. I would definitely recommend Mortgages Done Right to my friends and family.”
Jonathan Novak
First-Time Homebuyer
“I had an outstanding experience with Mortgages Done Right. Greg Hayden was extremely knowledgeable about the mortgage process and excellent at following up and managing the many details. Greg is truly a professional.”
Lenore Vurchio
Client Testimonial
Mortgage Solutions for Hobe Sound’s Golf, Retiree and Second-Home Market
Hobe Sound combines golf-community estates along and near Bridge Road, a strong retiree and second-home population, and family neighborhoods further inland near Jonathan Dickinson State Park. Each property type and borrower calls for the right lender and loan structure.
Jumbo Financing
Financing for golf-community estates and higher-value Hobe Sound homes where loan amounts often exceed conforming limits.
Reverse Mortgage
Home-equity options for eligible Hobe Sound homeowners age 62 and older, relevant given the area’s strong retiree population.
Bank Statement & Self-Employed
Bank-statement, profit-and-loss and other Non-QM options for self-employed business owners and consultants in Hobe Sound.
Asset Depletion
Qualification using verified assets instead of traditional employment income, relevant for retirees and asset-rich Hobe Sound buyers.
Second Homes
Purchase and refinance financing for seasonal and second-home buyers, a common scenario in Hobe Sound.
Primary & Family Buyers
Purchase and refinance financing for year-round residents and families throughout Hobe Sound’s inland neighborhoods.
Financing Across Hobe Sound’s Golf Communities and Retiree Neighborhoods
Hobe Sound is an unincorporated community in northern Martin County, with golf-community estates around clubs such as Medalist Golf Club and Lost Lake Golf Club, and a commercial and dining corridor along Bridge Road, near Jonathan Dickinson State Park to the west. Hobe Sound sits adjacent to, but is a separate community from, the town of Jupiter Island, and each has its own distinct market.
Hobe Sound has a strong retiree and second-home population alongside year-round families, which means financing needs vary widely: a golf-community estate purchase may call for jumbo financing, a retiree living on investment income may benefit from reverse mortgage or asset-depletion options, and a year-round family purchase may fit conventional or FHA/VA guidelines. Greg can help you compare financing that fits the property and your plans.
Hobe Sound Golf-Community and Jumbo Estate Financing
Golf-community estates near clubs such as Medalist Golf Club and Lost Lake Golf Club often involve higher loan amounts and HOA review. Financing depends on both the borrower and, for HOA-governed communities, the association itself.
What Lenders Look At Beyond the Borrower
For homes in HOA-governed golf communities, a lender’s review can include the association’s budget, reserve funding and any pending litigation. Reserves, verified assets and income documentation can also affect qualification for higher loan amounts.
Self-employed or asset-rich buyers, including retirees living on investment income, may benefit from bank-statement or asset-depletion programs instead of a traditional jumbo loan.
This is general information, not a guarantee of approval or association eligibility. Every property, association and loan program is different.
Golf-Course Estates
Estate homes near Medalist Golf Club and Lost Lake Golf Club often involve higher loan amounts and HOA review.
Gated HOA Communities
Association budget, reserve funding and litigation review are standard parts of financing a home in a gated HOA community.
Second Homes & Seasonal Residences
Second-home and seasonal-occupancy financing generally carries different requirements than a primary residence.
Retiree & Reverse-Mortgage Eligible Homes
Eligible homeowners age 62 and older may explore reverse mortgage options for a primary Hobe Sound residence.
Family & Move-Up Homes
Year-round families throughout Hobe Sound’s inland neighborhoods often compare conventional and FHA/VA options.
Investment & Rental Homes
Single-family rentals may qualify under conventional investment guidelines or DSCR programs, depending on the property and lender.
Reverse Mortgage Options for Hobe Sound Homeowners
Hobe Sound has a strong population of retirees and long-tenured homeowners, which makes reverse mortgages a relevant option for some eligible homeowners to understand, alongside other retirement-financing strategies.
Who May Be Eligible
Homeowners age 62 or older with sufficient equity in an eligible primary residence 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 charges.
Purchase Options
HECM for Purchase may help some eligible buyers finance a new home, and proprietary or jumbo reverse options may be available depending on the borrower, property and lender.
Asset Depletion Financing for Hobe Sound Retirees and Asset-Rich Buyers
Many Hobe Sound buyers are retirees or high-net-worth individuals with significant verified assets but limited or irregular traditional income. Asset depletion (asset-qualifier) financing can help these borrowers qualify based on assets rather than employment income, often alongside or instead of a reverse mortgage.
Greg helps eligible borrowers compare asset-depletion programs, bank-statement options for those still self-employed, and traditional tax-return-based financing side by side, since guidelines, rates and reserve requirements vary significantly by lender.
Self-Employed and Business Owner Financing in Hobe Sound
Some Hobe Sound residents remain self-employed business owners or consultants even after relocating for retirement or a second home, and their tax returns don’t always reflect their true purchasing power after deductions.
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-depletion programs, in addition to traditional tax-return-based conventional and jumbo financing.
Conventional, FHA and VA Loans for Hobe Sound Buyers
Not every Hobe Sound purchase calls for a specialty loan. Greg also helps traditional buyers and families compare conventional, FHA and VA options, along with refinancing and DSCR investment programs where relevant.
Conventional Loans
Purchase and refinance options for qualified primary residences, second homes and investment properties throughout Hobe Sound.
FHA Loans
Government-backed purchase and refinance options with flexible qualification for eligible primary-residence buyers.
VA Loans
Purchase and refinance options for eligible veterans, active-duty service members and qualifying surviving spouses throughout Martin County.
Refinancing
Rate-and-term and cash-out refinance options for eligible homeowners looking to adjust their existing mortgage.
DSCR Investor Loans
Rental-property financing that may evaluate the property’s qualifying cash flow instead of relying only on personal income.
Foreign National Loans
Florida financing options for eligible international buyers purchasing homes or second homes in Hobe Sound.
Hobe Sound Mortgage Calculator
Estimate a monthly mortgage payment for a Hobe Sound home, golf-community estate, second home, investment property or refinance.
Your actual housing payment may also include Florida property taxes, homeowners insurance, HOA dues and mortgage insurance if applicable. Greg Hayden can help you compare the complete payment and available mortgage options.
Estimate the payment online, then speak with Greg about the property, HOA costs, loan program and lender options.
Mortgage Help Throughout Hobe Sound
Hobe Sound spans golf-community estates, retiree and second-home neighborhoods, and family areas near Jonathan Dickinson State Park. Financing considerations differ by property type more than by name alone.
Golf Communities
Medalist Golf Club and Lost Lake Golf Club anchor Hobe Sound’s golf-community estate market.
Jumbo and HOA-related financing considerations are common for estate homes in these communities.
Bridge Road & Surrounding Areas
Hobe Sound’s commercial and dining corridor along Bridge Road, with surrounding retiree, second-home and family neighborhoods.
A mix of conventional, reverse mortgage and asset-depletion financing scenarios are common here.
Nearby Martin County Areas
Stuart, Palm City, Jensen Beach, and north toward Tequesta and Jupiter in northern Palm Beach County.
Greg also helps buyers and homeowners throughout the surrounding communities compare mortgage options.
Why Hobe Sound 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 guidelines.
Retiree, Second-Home & Jumbo Experience
Guidance for golf-community estate buyers, retirees, second-home owners and asset-rich borrowers.
Mortgage Help Throughout Martin County and Beyond
Mortgages Done Right serves borrowers throughout Hobe Sound, Stuart, Palm City, Jensen Beach, Martin County and north toward Tequesta and Jupiter.
Frequently Asked Questions
Do you work with buyers throughout Hobe Sound?
Yes. Mortgages Done Right helps buyers, homeowners and retirees throughout Hobe Sound compare mortgage options from more than 25 wholesale lenders, working directly with Greg Hayden from our Boynton Beach office.
Is Hobe Sound the same as Jupiter Island?
No. Hobe Sound is its own unincorporated community in northern Martin County. Jupiter Island is a separate, adjacent town. Let us know your property’s exact location and we can confirm which programs apply.
Do you offer jumbo loans for Hobe Sound golf-community estates?
Yes. Jumbo financing is available for qualified buyers of estate homes near communities like Medalist Golf Club and Lost Lake Golf Club whose loan amount exceeds conforming limits, subject to reserves, income documentation and lender guidelines.
Do you offer reverse mortgages in Hobe Sound?
Yes. Eligible homeowners age 62 and older may be able to compare HECM reverse mortgage options, subject to borrower, property and lender eligibility requirements.
What is asset depletion financing, and who is it for?
Asset depletion (or asset-qualifier) financing allows eligible borrowers to qualify based on verified liquid and investment assets rather than traditional employment income. It’s often relevant for retirees and high-net-worth buyers with substantial assets but limited traditional income documentation.
Can self-employed Hobe Sound 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.
Can you help with second-home financing in Hobe Sound?
Yes. We help buyers compare conventional, jumbo and other eligible options for second homes and seasonal residences in Hobe Sound.
Talk Directly With a Hobe Sound Mortgage Broker
Contact Greg Hayden for personalized guidance on Hobe Sound jumbo and golf-community estate financing, reverse mortgages, asset depletion for retirees, self-employed income, and traditional home purchases.