Lake Worth Mortgage Broker for Home Buyers, Retirees, Investors and Coastal Properties
Work directly with an experienced Lake Worth mortgage broker who understands Lake Worth Beach,
historic homes, downtown properties, coastal condos, western Lake Worth communities, golf neighborhoods,
active-adult communities, investment properties and self-employed borrowers.
Greg Hayden and Mortgages Done Right Inc. compare mortgage options from more than 25 wholesale lenders
for home purchases, refinancing, jumbo financing, FHA and VA loans, reverse mortgages, bank statement
programs and real estate investment loans.
261 Google Reviews
Trusted by borrowers throughout Palm Beach County and South Florida.
$1 Billion+ Closed
Decades of mortgage experience across conventional and specialized financing.
Direct Access to Greg
Compare multiple wholesale lenders while working directly with the company owner.
Mortgages Done Right Inc. has earned more than 400 reviews across Google, Zillow, Facebook,
Yelp and other major platforms from homebuyers, homeowners, investors and retirees.
Mortgage Options for Lake Worth Beach, Downtown and Historic Neighborhoods
Lake Worth Beach is an incorporated coastal city known for its beach, pier, downtown arts district,
restaurants, historic homes and walkable neighborhoods. Buyers may find everything from early
twentieth-century homes and coastal cottages to condominiums, multifamily properties and larger
waterfront residences.
Financing coastal and historic properties can require additional attention to property condition,
insurance, condominium requirements, flood zones, appraisal considerations and renovation needs.
Greg helps borrowers compare loan options while addressing these details early in the process.
- Historic homes in College Park and Parrot Cove
- Downtown Lake Worth Beach residences and multifamily properties
- Condos near the beach, Intracoastal and Bryant Park
- Primary homes, second homes and investment properties
Financing for Suburban Homes, Gated Communities and Golf Neighborhoods
The name Lake Worth is also commonly used for the larger western and unincorporated area extending
well beyond the incorporated City of Lake Worth Beach.
Family and Move-Up Homebuyers
Western Lake Worth includes established neighborhoods, newer developments, larger single-family homes
and gated communities. Buyers may need conventional, FHA, VA or jumbo financing depending on the
property, down payment and loan amount.
Golf and Gated Communities
Communities such as Winston Trails, The Fountains, Journey’s End, Smith Farm and Lake Charleston
offer a range of home styles, community amenities and homeowners association structures that may
affect underwriting and monthly qualification.
Active-Adult and 55+ Communities
Western Lake Worth is home to numerous active-adult communities. Financing may include a traditional
purchase mortgage, a refinance, a reverse mortgage or a strategy that coordinates housing expenses
with retirement income.
Self-Employed and Complex Income
Business owners, independent contractors and real estate investors may qualify using tax returns,
bank statements, investment-property cash flow, liquid assets or other approved documentation,
depending on the loan program.
Lake Worth Home Loan Options
Compare traditional and specialized mortgage programs for purchases, refinancing,
retirement planning and real estate investing.
Conventional Loans
Flexible financing for primary homes, second homes, condos and investment properties with
competitive fixed and adjustable-rate options.
FHA Loans
Government-backed financing that may offer lower down-payment requirements and flexible
qualification for eligible borrowers.
VA Loans
Mortgage benefits for eligible veterans, active-duty service members and qualifying surviving
spouses, including potential zero-down financing.
Jumbo Loans
Financing for higher-value homes, waterfront properties and loan amounts above standard
conforming mortgage limits.
Bank Statement Loans
Alternative income documentation for eligible self-employed borrowers whose tax returns may not
reflect their full qualifying cash flow.
DSCR Investor Loans
Investment-property financing that may qualify primarily using expected rental income rather than
the borrower’s personal employment income.
Reverse Mortgages
Retirement-focused financing for eligible homeowners age 62 and older who want to access a portion
of their home equity.
Foreign National Loans
Specialized financing for qualifying non-U.S. residents purchasing Florida vacation homes,
second homes or investment properties.
Address Property Requirements Before Underwriting
Condominium financing may depend on the financial condition of the association, insurance coverage,
reserves, litigation, structural reports, owner-occupancy levels and other project requirements.
These issues should be reviewed as early as possible.
Coastal homes may also require flood insurance, windstorm coverage or additional property inspections.
Greg helps identify potential financing issues before they create unnecessary delays.
Purchase, Refinance and Investment Financing
Lake Worth and Lake Worth Beach attract long-term rental investors, seasonal property owners,
small multifamily investors and buyers seeking homes near downtown, the beach or major employment areas.
Available programs may include conventional investment loans, DSCR loans, cash-out refinancing,
bank statement loans and commercial financing for qualifying properties and borrowers.
Learn more about
Florida DSCR investor loans
and
commercial mortgage loans.
Mortgage Planning for Retirees and Active-Adult Homeowners
Lake Worth’s active-adult communities and established neighborhoods make retirement-focused
mortgage planning an important part of the local market.
Reverse Mortgage Options
Eligible homeowners age 62 or older may be able to convert a portion of home equity into available
funds without required monthly principal-and-interest mortgage payments, provided program obligations
continue to be met.
Reverse mortgages may be used to refinance an existing home or, through a HECM for Purchase,
to help buy a new primary residence.
Qualifying With Retirement Income
Traditional mortgage qualification may use Social Security, pensions, retirement-account
distributions, investment income and eligible asset-depletion methods when supported by the
appropriate documentation.
Greg can compare traditional and retirement-focused financing strategies based on the borrower’s
home equity, income, assets and long-term housing plans.
Lake Worth and Lake Worth Beach Neighborhoods
Mortgage needs can vary considerably between coastal neighborhoods, historic districts,
western communities, condominiums and active-adult developments.
Downtown Lake Worth Beach
Walkable access to restaurants, shops, galleries, entertainment and homes ranging from historic
residences to condos and multifamily properties.
College Park
An established neighborhood known for historic architecture, mature landscaping and convenient
access to downtown and the Intracoastal.
Parrot Cove and Bryant Park
Popular areas near downtown, the Intracoastal and Bryant Park with cottages, historic homes,
condos and coastal lifestyle appeal.
Winston Trails
A large western Lake Worth golf community offering single-family homes, neighborhood amenities
and convenient access to major roads.
Lake Charleston and Smith Farm
Established western communities with a variety of home sizes, gated sections and amenities for
families and move-up buyers.
Bellaggio and The Fountains
Active-adult, golf and country-club living with financing needs that may include purchases,
refinancing and retirement-focused mortgage planning.
Personal Mortgage Guidance From Greg Hayden
Greg Hayden has more than 30 years of mortgage experience and has closed more than $1 billion
in home loans. Instead of being passed from one department to another, borrowers work directly
with Greg throughout the mortgage process.
Mortgages Done Right Inc. can compare programs from more than 25 wholesale lenders to find options
suited to the borrower, property and financial goals.
Mortgages Done Right Inc.
1500 Gateway Blvd, Suite 220
Boynton Beach, FL 33426
Individual NMLS #332209 | Company NMLS #1532755
Lake Worth Mortgage Questions
Does this page cover both Lake Worth and Lake Worth Beach?
Yes. Lake Worth Beach is the incorporated coastal city, while Lake Worth is also commonly used
to describe the larger western and unincorporated area. Mortgages Done Right serves borrowers
throughout both markets.
Can you finance a condo near Lake Worth Beach?
Yes, subject to borrower qualification and condominium-project approval. The association’s
insurance, reserves, financial condition, litigation and structural documentation may affect
available financing.
What mortgage programs are available for first-time homebuyers?
Depending on eligibility, first-time buyers may consider conventional loans, FHA loans, VA loans
and down-payment assistance programs. The best option depends on credit, income, assets, property
type and long-term plans.
Can self-employed borrowers qualify without using traditional tax-return income?
Some eligible borrowers may qualify through bank statement programs, asset-based qualification
or investment-property cash flow. Program requirements vary by lender and loan type.
Do you offer reverse mortgages in Lake Worth?
Yes. Greg works with eligible homeowners age 62 and older who are considering a reverse mortgage
refinance or HECM for Purchase. Borrowers remain responsible for property taxes, homeowners insurance,
maintenance and other loan obligations.
Why work with a mortgage broker instead of only one bank?
A mortgage broker can compare options from multiple wholesale lenders rather than offering only
one institution’s programs. Mortgages Done Right works with more than 25 lenders.
Talk With a Lake Worth Mortgage Broker
Whether you are buying near Lake Worth Beach, moving into a western Lake Worth community,
refinancing, investing or planning for retirement, speak directly with Greg Hayden about your options.