Jensen Beach Mortgage Broker for Coastal Condos, Non-Warrantable Condo Buyers, Jumbo Homes and Investors
Mortgages Done Right helps Jensen Beach buyers, homeowners, investors and second-home owners compare mortgage options for Hutchinson Island oceanfront and Intracoastal condominiums, non-warrantable condo buildings, waterfront jumbo homes and rental-property financing.
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 Jensen Beach borrowers compare condo, DSCR, jumbo, conventional, FHA/VA and reverse mortgage financing side by side. Mortgages Done Right Inc. is based in Boynton Beach and serves buyers and homeowners throughout Jensen Beach and Martin County.
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 Jensen Beach’s Coastal Condo and Waterfront Market
The Jensen Beach market includes mainland Jensen Beach and the nearby Martin County portion of Hutchinson Island reached by the Jensen Beach Causeway. Each property type and borrower calls for the right lender and loan structure.
Non-Warrantable Condo
Financing for Hutchinson Island condo buildings that don’t meet standard agency guidelines, through select Non-QM or portfolio lenders.
DSCR Investor Loans
Rental-property and short-term-rental financing that may evaluate the property’s qualifying cash flow instead of relying only on personal income.
Jumbo Financing
Financing for oceanfront and Intracoastal homes and condos where loan amounts often exceed conforming limits.
Second Homes
Purchase and refinance financing for seasonal and second-home buyers along the Hutchinson Island coast.
Bank Statement & Self-Employed
Bank-statement, profit-and-loss and other Non-QM options for eligible self-employed borrowers and business owners.
Primary & Family Buyers
Purchase and refinance financing for year-round residents in Jensen Beach’s mainland neighborhoods.
Financing Across Jensen Beach’s Mainland and Hutchinson Island Communities
Jensen Beach includes a walkable downtown along NE Jensen Beach Boulevard, mainland neighborhoods along the Indian River, and the Hutchinson Island barrier island reached by the Jensen Beach Causeway, where oceanfront and Intracoastal condominiums make up a large share of the housing stock. Indian RiverSide Park anchors the riverfront side of the community.
That mix means financing needs vary by location: a Hutchinson Island condo may call for a lender’s review of the association, a waterfront home may call for jumbo financing, and a mainland family home may fit conventional or FHA/VA guidelines. Greg can help you compare financing that fits the property and your plans.
Jensen Beach Condo and Non-Warrantable Condo Financing Requires the Right Lender
Hutchinson Island’s oceanfront and Intracoastal condominiums make up a significant share of the Jensen Beach market. Financing involves two reviews: the borrower’s qualification and the lender’s review of the association itself.
What Lenders Look At Beyond the Borrower
A condo review can include the association’s budget and reserve funding, insurance coverage, owner-occupancy ratios, any pending litigation, and, for older oceanfront buildings, structural or milestone-inspection documentation. Flood zone and wind coverage costs can also factor into the total monthly housing payment.
Some buildings are considered warrantable and others non-warrantable, and lender overlays vary widely. 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 building and loan program is different.
Warrantable Condos
Buildings 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.
Oceanfront & Intracoastal Condos
Hutchinson Island’s oceanfront and Intracoastal buildings often involve additional insurance, reserve and structural documentation review.
Second-Home Condos
Financing for a seasonal or vacation condo generally carries different occupancy and reserve requirements than a primary residence.
Investment & Short-Term Rental Condos
Rental condos may qualify under conventional investment guidelines or DSCR programs, depending on the building, the lender and any rental restrictions.
Retirement & Reverse-Mortgage Condos
Eligible condo owners age 62 and older may be able to explore reverse mortgage options, subject to condominium and lender eligibility.
Learn More About Warrantable and Non-Warrantable Condo Loans in Florida →
Jensen Beach Investment Property and DSCR Loans
Between Hutchinson Island’s condos, seasonal demand and steady interest from vacation-rental buyers, Jensen Beach attracts a consistent 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 association qualifies for DSCR or investment financing, and short-term or seasonal rental scenarios are only eligible where the specific lender, loan program and condominium or HOA rules allow it. Approval always depends on the property, the borrower and the selected lender’s guidelines.
Jumbo Mortgage Options for Jensen Beach’s Waterfront Homes and Condos
Oceanfront and Intracoastal properties along Hutchinson Island, along with riverfront homes near Indian River Drive, include some of Jensen Beach’s higher-value real estate. Loan amounts on these properties often exceed conforming limits, which is where jumbo financing becomes relevant.
The right structure depends on the borrower and the property. Reserves, verified assets, income documentation and the type of property can all affect qualification, and self-employed or high-net-worth buyers may benefit from bank-statement programs instead of a traditional jumbo loan.
Explore Jumbo Loans in Florida →
Explore Bank Statement Loans in Florida →
Conventional, FHA and VA Loans for Jensen Beach Buyers
Not every Jensen Beach purchase calls for a specialty loan. Greg also helps traditional buyers compare conventional, FHA and VA options, along with refinancing and reverse mortgage programs where relevant.
Conventional Loans
Purchase and refinance options for qualified primary residences, second homes and investment properties throughout Jensen Beach.
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.
Reverse Mortgage
Home-equity options for eligible Jensen Beach homeowners age 62 and older, including some eligible condominium owners.
Foreign National Loans
Florida financing options for eligible international buyers purchasing homes, condos or investment properties in Jensen Beach.
Jensen Beach Mortgage Calculator
Estimate a monthly mortgage payment for a Jensen Beach condo, waterfront home, primary residence, second home, investment property or refinance.
Your actual housing payment may also include Florida property taxes, homeowners insurance, flood or wind insurance where applicable, condo or 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, association costs, insurance, loan program and lender options.
Mortgage Help Throughout Jensen Beach
The Jensen Beach market spans mainland neighborhoods and a walkable downtown, and includes the nearby Martin County portion of Hutchinson Island’s oceanfront and Intracoastal condos. Financing considerations differ by area more than by name alone.
Hutchinson Island
Oceanfront and Intracoastal condominiums reached by the Jensen Beach Causeway.
Condo, jumbo and short-term-rental financing here often involves association eligibility review and flood/wind insurance considerations.
Downtown & Riverfront
The NE Jensen Beach Boulevard arts and antiques district, Indian RiverSide Park, and homes along Indian River Drive.
Riverfront homes and mainland condos here often compare conventional, jumbo and bank-statement options.
Nearby Martin County Areas
Stuart, Palm City and Hobe Sound.
Greg also helps buyers and homeowners throughout the surrounding Martin County communities compare mortgage options.
Why Jensen Beach 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.
Coastal Condo & Investor Experience
Guidance for Hutchinson Island condo buyers, non-warrantable buildings, second-home owners and short-term-rental investors.
Mortgage Help Throughout Martin County
Mortgages Done Right serves borrowers throughout Jensen Beach, Stuart, Palm City, Hobe Sound and the rest of Martin County.
Frequently Asked Questions
Do you work with buyers throughout Jensen Beach?
Yes. Mortgages Done Right helps buyers, homeowners and investors throughout Jensen Beach compare mortgage options from more than 25 wholesale lenders, working directly with Greg Hayden from our Boynton Beach office.
What happens if a Hutchinson Island 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.
Are DSCR loans available for Jensen Beach investment and short-term-rental properties?
DSCR financing may be available for eligible rental properties based primarily on property cash flow. Not every condominium or association qualifies, short-term-rental eligibility depends on the specific lender, loan program and any HOA rental restrictions, and approval always depends on the property, borrower and lender guidelines.
Do you offer jumbo loans for Jensen Beach’s waterfront homes and condos?
Yes. Jumbo financing is available for qualified buyers of oceanfront, Intracoastal and riverfront properties whose loan amount exceeds conforming limits, subject to reserves, income documentation and lender guidelines.
Can you help with second-home financing on Hutchinson Island?
Yes. We help buyers compare conventional, jumbo and other eligible options for second homes and seasonal residences along the Jensen Beach coast.
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.
Do you offer reverse mortgages in Jensen Beach?
Yes. Eligible homeowners age 62 and older, including some condo owners, may be able to compare HECM reverse mortgage options, subject to borrower, property and lender eligibility requirements.
Talk Directly With a Jensen Beach Mortgage Broker
Contact Greg Hayden for personalized guidance on Jensen Beach condo and non-warrantable condo financing, DSCR investment properties, jumbo waterfront homes, second homes, and traditional home purchases.