Boynton Beach Mortgage Broker for Home Buyers, Homeowners, Retirees and Investors
A Boynton Beach mortgage broker works with multiple wholesale lenders to help buyers, homeowners and investors compare loan programs, rates and terms in one place. Greg Hayden and Mortgages Done Right Inc. provide direct, local guidance from application through closing for purchases, refinances and specialty financing throughout Boynton Beach.
Work directly with a Boynton Beach mortgage broker who understands local homes, gated communities, condos, waterfront properties, refinancing, investment properties, self-employed borrowers and retirement-focused financing. Greg Hayden and Mortgages Done Right Inc. can compare options from more than 25 lenders.
Conventional Home Loans & Preapproval in Boynton Beach
Buying your first home, moving up, or purchasing a condo in Boynton Beach? Work directly with Greg Hayden at Mortgages Done Right Inc. to compare conventional loan options from our network of 25+ wholesale lenders.
Already have a quote from a bank or builder’s lender? Bring it. Greg can compare the interest rate, points, lender fees and estimated cash to close with you.
Explore conventional loan options
Credit score around 580?
Some of our lenders may consider conventional financing at that score with an eligible automated underwriting finding. Down payment, property type and lender guidelines matter. Call Greg to review your numbers, and he will compare FHA if it fits better.
Down payment: Some conventional programs, such as Fannie Mae’s HomeReady, allow as little as 3% down for eligible borrowers, depending on income, property type and lender requirements. FHFA’s 2026 baseline conforming loan limit for a one-unit home is $832,750, which is also the limit in Palm Beach County. Loans above the limit that applies to the property are jumbo loans, which follow different guidelines. Call Greg with your target price and down payment and he can review which option may fit.
Conventional preapproval questions
What do I need to get preapproved for a conventional loan?
Typically a government-issued ID, recent pay stubs and W-2s (or tax returns if you are self-employed), recent bank statements and details on any debts. Greg will tell you exactly which items apply to your situation.
How fast can I get preapproved?
Prequalifications and preapprovals are often ready within hours once your documents are in. Timelines are typical, not guaranteed, and depend on the borrower, the property and the lender.
Can I use a conventional loan to buy a condo in Boynton Beach?
Often, yes, but the building has to meet lender requirements as well as you. Lenders review the association’s insurance, reserves, special assessments, pending litigation and financials. If a building does not qualify for conventional financing, Greg can help you understand why and look at other options where available.
I already have a quote from my bank or builder’s lender. Can you compare it?
Yes. Send Greg the quote or Loan Estimate and he will compare the interest rate, points, lender fees and estimated cash to close with you, so you can see the differences side by side.
FHA Home Loans & Preapproval in Boynton Beach
Buying your first home or moving up in Boynton Beach? Work directly with Greg Hayden at Mortgages Done Right Inc. to get started with FHA preapproval. From our Boynton Beach office, we compare options across 25+ wholesale lenders, including FHA programs with as little as 3.5% down for eligible buyers, and show you how FHA and conventional compare for your purchase.
What should I have ready for the first call?
Tell Greg your target purchase price, estimated down payment and whether you’re buying a house, townhome or condo. If you’ve already found a property, have the address handy. He can walk you through the documents you’ll need for preapproval.
2026 FHA loan limits in Palm Beach County
For 2026, HUD’s FHA loan limit in Palm Beach County is $667,000 for a one-unit home, $853,900 for two units, $1,032,150 for three units and $1,282,700 for four units.
Down payment help may be available
Some buyers can pair an FHA loan with Florida Hometown Heroes. The program offers eligible borrowers a 0% deferred second mortgage of up to 5% of the first mortgage amount ($10,000 minimum, $35,000 maximum). This assistance is repayable, not a grant. Eligible occupation or military criteria, first-time buyer rules and applicable exemptions, a minimum 640 credit score, income limits and other program requirements apply. Funding is limited, so Greg confirms current availability and eligibility on your first call. County programs open and close too, so ask what is open right now. Read about Florida Hometown Heroes.
Buying a condo with FHA?
Very few Palm Beach County condo projects are on HUD’s FHA-approved list, but a single-unit approval may be possible for some buildings. Call us at 561-777-7622 to find out whether yours qualifies before you start touring.
Already have a quote from a bank or builder’s lender?
Bring it. Greg can compare the rate, lender fees, mortgage insurance and estimated cash to close so you can see what each option would cost.
Credit score around 580?
FHA is often worth a look at lower credit scores. Approval depends on the lender, your full file and the property, and Greg will tell you whether FHA or another route fits.
Read the Boynton Beach FHA loan guide · Compare with conventional loans
Mortgages Done Right Inc. NMLS #1532755. Loan programs, down payment options and credit score considerations vary by lender and borrower qualification and are subject to underwriting approval. This is not a commitment to lend. Equal Housing Opportunity.
500+ 5-Star Reviews
Across All Platforms!
Trusted by homebuyers, homeowners, investors, retirees and families throughout South Florida.
30+ Years
$1 Billion+ Closed
Purchase, refinance, jumbo, condo, investment-property and specialty mortgage experience.
25+ Lenders
Work Directly With Greg
Compare multiple wholesale lenders without being passed through a national call-center system.
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 Guidance for West Boynton Buyers, Homeowners and Retirees
West Boynton is home to many of the area’s most desirable gated neighborhoods, newer communities, country-club developments and active-adult communities. Financing needs can vary substantially based on property value, homeowners-association requirements, insurance, occupancy, income and reserves.
Mortgages Done Right helps West Boynton borrowers compare mortgage options for primary residences, move-up purchases, second homes, refinancing, jumbo loans, self-employed income and retirement-focused scenarios.
Mortgage Options for Boynton Beach Buyers and Homeowners
Compare Boynton Beach home financing options for primary homes, condos, gated communities, waterfront properties, veterans, investors, retirees, international buyers and self-employed borrowers.
Conventional Loans
Flexible financing for qualified primary-home, second-home, condo, move-up and refinance borrowers.
FHA Loans
Explore FHA home loans for your Boynton Beach purchase. Greg can help you compare financing options and review the requirements for your situation and property.
Review FHA loan options →
Read the Boynton Beach FHA loan guide →
VA Loans
Mortgage benefits for eligible veterans, active-duty service members and qualifying surviving spouses.
Jumbo Loans
Financing for higher-value Boynton Beach homes and loan amounts that exceed standard conforming limits.
Bank Statement Loans
Alternative income-documentation options for business owners, entrepreneurs, contractors and other self-employed borrowers.
DSCR Investor Loans
Rental-property financing that may evaluate the property’s qualifying cash flow rather than relying only on traditional personal income.
Reverse Mortgages
Home-equity options for eligible Boynton Beach homeowners age 62 and older who want to review retirement-financing choices.
Foreign National Loans
Florida mortgage options for eligible international buyers purchasing residences, second homes or investment properties.
Boynton Beach Mortgage Calculator
Estimate a monthly mortgage payment for a Boynton Beach home, condo, gated-community property, investment property or refinance.
Your actual housing payment may also include Florida property taxes, homeowners insurance, wind or flood coverage, mortgage insurance, HOA dues or condo fees. Greg Hayden can help you compare the complete payment and available loan options.
Already Have a Bank Quote? Bring It to Greg.
Estimate the payment online, then bring Greg your current bank or lender’s quote. He’ll compare it against options from more than 25 wholesale lenders, side by side, so you can see exactly how it stacks up before you commit.
Financing for Boynton Beach Condos, Waterfront Homes and Coastal Properties
Warrantable & Non-Warrantable Condo Financing in Boynton Beach
If a lender turned down the building, call Greg Hayden with the property address and the reason the lender gave you. Greg has seen special assessments, repairs underway, gaps in the association’s insurance and litigation hold up condo financing.
Mortgages Done Right has specialty lenders that can approve some condo projects other lenders decline. The specific building issue still matters, and approval depends on the lender’s guidelines, your down payment, your credit and other compensating factors. Approval is not guaranteed.
Call Greg at 561-777-7622 · Read the warrantable and non-warrantable condo guide
East Boynton includes marina-area residences, waterfront homes, Intracoastal properties, condominiums, townhomes and properties near the beach. These transactions may require more detailed review than a standard single-family purchase.
Condo financing may involve review of the association, insurance, budget, reserves, ownership concentration, occupancy, litigation and project eligibility. Waterfront and coastal properties may also require careful consideration of insurance, property condition, valuation and loan amount.
Don’t have the association documents yet?
Start with the property address, intended use, purchase price or estimated value, expected down payment or equity, and any lender decline reason. Greg can explain what information is needed next. You don’t need a complete association package to begin the conversation.
Call 561-777-7622 about your condo scenario.
Reverse Mortgage Guidance for Boynton Beach 55+ Communities and Retirees
Boynton Beach has a large retiree population and many active-adult communities. For eligible homeowners age 62 and older, a reverse mortgage may provide another way to evaluate home equity, monthly cash flow, an existing mortgage balance and long-term plans for remaining in the home.
A reverse mortgage is not appropriate for every homeowner. Greg Hayden can explain the structure, ongoing homeowner responsibilities, available payment options, closing costs and questions to consider before deciding whether a HECM or another retirement-focused mortgage option fits your goals.
How We Help Boynton Beach Borrowers
Homebuyers and Condo Buyers
Compare options for primary homes, second homes, condos, gated communities and move-up purchases. Property-specific considerations may include associations, insurance, reserves, budgets, litigation and project eligibility.
Homeowners and Refinancers
Review rate-and-term refinancing, cash-out options, mortgage restructuring, available equity and retirement-focused mortgage possibilities for eligible homeowners.
Real Estate Investors
Compare DSCR loans, rental-property financing, cash-out refinance options, portfolio scenarios and financing for eligible investment homes, condos and multi-unit properties.
Self-Employed and Complex-Income Borrowers
Business owners, consultants, real estate professionals, contractors and retirees may benefit from bank-statement, asset-based or other non-QM options when traditional documentation does not show the complete picture.
Cash-Out Refinance in Boynton Beach
Looking to use home equity for renovations, debt consolidation or another major expense? Greg Hayden compares cash-out refinance options through Mortgages Done Right’s network of 25+ wholesale lenders.
Have your estimated home value, mortgage balance, current rate and desired cash amount ready. Tell Greg whether the property is your home, a second home or a rental—and whether it is a condo. He’ll review available programs, estimated costs and how replacing your existing mortgage affects the numbers.
Call Greg at 561-777-7622 to discuss your cash-out options. Eligibility depends on borrower, property and lender requirements. See our guide to cash-out refinancing in Florida.
Duplex, Triplex and Fourplex Loans in Boynton Beach
Boynton Beach has a meaningful supply of small multi-unit housing. Census Bureau estimates put about 3,200 housing units, roughly 8% of the city’s housing, in buildings with two to four units. A good share of the occupied ones are owner-occupied, and many of those are individual condo or villa units rather than whole buildings. A single unit is financed as a condo, so knowing whether you are buying an entire duplex, triplex or fourplex or one unit in it comes first.
If you will live in one unit of a whole building and rent the others, often called house hacking, FHA, conventional or, for eligible veterans, VA financing may be available. If you will not live there, a conventional investment-property loan or a DSCR loan, which looks mainly at the property’s rent, may fit. Five or more units is generally commercial multifamily, a separate category.
Our guide to financing a duplex, triplex or fourplex in Florida covers how each program counts rent, down payment and reserves. For a specific Boynton Beach property, Greg can compare the options with you.
Boynton Beach Neighborhoods, Property Types and Communities We Serve
Financing needs may vary across West Boynton gated communities, active-adult neighborhoods, East Boynton condos, marina-area residences, established neighborhoods, country-club communities and waterfront properties.
West Boynton Communities
- Canyon communities
- Valencia communities
- Equus
- Palm Meadows
- Aberdeen
- Indian Spring
- Hunters Run
- West Boynton gated communities
East Boynton and Waterfront
- Downtown Boynton Beach
- Boynton Harbor Marina
- Marina Village
- Ocean Avenue area
- Chapel Hill
- Intracoastal properties
- Waterfront homes and condos
- Nearby coastal communities
Central and Active-Adult Areas
- Leisureville
- Renaissance Commons
- Quantum Park area
- Gateway Boulevard corridor
- 55+ and active-adult communities
- Country-club communities
- Seasonal and second-home owners
- Retirees and long-term homeowners
Why Boynton Beach Borrowers Choose Mortgages Done Right
Work Directly With Greg Hayden
With more than 30 years of mortgage experience and over $1 billion in loans closed, Greg provides direct guidance from the initial conversation through closing.
Looking for the best mortgage broker in Boynton Beach? Mortgages Done Right clients have rated us 5 stars across Google and other review sites, and Greg Hayden works with you directly on every loan.
30+ Years of Experience
Experienced mortgage guidance for purchases, refinancing, investors, retirees and complex borrower scenarios.
Access to 25+ Lenders
Compare programs from multiple wholesale lenders instead of depending on one bank’s limited product menu.
Boynton Beach Office
Work with a mortgage broker whose business is actually based in Boynton Beach and serves the surrounding community.
Direct Communication
Work directly with Greg Hayden instead of being transferred among representatives at a national call center.
Complex-Income Solutions
Options for self-employed borrowers, business owners, investors, retirees and foreign-national buyers.
500+ 5-Star Reviews
A strong reputation supported by 500+ 5-star reviews across all platforms from South Florida clients.
More Palm Beach County Mortgage Resources
Explore mortgage information for Palm Beach County, Delray Beach, Lake Worth and Lake Worth Beach, Boca Raton, and other communities on our Cities We Service page.
Frequently Asked Questions About Boynton Beach Mortgages
Why work with a mortgage broker based in Boynton Beach?
A local mortgage broker can help you review financing in the context of Boynton Beach property types, condo associations, active-adult communities, waterfront properties, insurance concerns and local transaction expectations. Mortgages Done Right can also compare programs from multiple wholesale lenders.
Do you help with West Boynton gated and 55+ communities?
Yes. Mortgages Done Right helps buyers, homeowners and retirees review mortgage options for West Boynton gated communities, country-club developments, active-adult communities, primary residences and second homes.
Can you help with Boynton Beach condo financing?
Yes. Condo financing may require review of the association, insurance, budget, reserves, occupancy, ownership concentration, litigation and project eligibility. The available options depend on the borrower, property and condominium project.
Do you offer reverse mortgage guidance in Boynton Beach?
Yes. Eligible homeowners age 62 and older can review reverse mortgage options, available equity, an existing mortgage balance, retirement cash-flow goals and ongoing homeowner responsibilities before deciding whether the program is appropriate.
Can self-employed Boynton Beach borrowers use bank statements?
Some eligible self-employed borrowers may qualify using personal or business bank statements rather than relying only on traditional tax-return income. Program requirements vary by lender and borrower profile.
Do you finance Boynton Beach investment properties?
Yes. Options may include conventional investment-property loans, DSCR investor loans, rental-property refinancing, cash-out transactions and other programs depending on the property, borrower and occupancy.
How do I start a Boynton Beach mortgage application?
Call Greg Hayden directly at 561-777-7622, email ghayden@mtgdoneright.com or use the secure online application. Greg can review your goals before you select a mortgage path.
What credit score do I need for an FHA loan in Boynton Beach?
FHA’s 3.5% minimum down payment generally starts at a 580 credit score. Scores below 580 generally need at least 10% down, and lenders set their own minimums, so Greg checks which of his 25+ lenders fits your file.
What is the FHA loan limit in Palm Beach County?
For 2026, the FHA loan limit is $667,000 for a one-unit home ($853,900 for two units, $1,032,150 for three and $1,282,700 for four). It is a loan limit, not a cap on the purchase price.
Does FHA require mortgage insurance?
Yes. FHA loans carry an upfront premium of 1.75% of the base loan amount plus an annual premium paid monthly. Greg explains the upfront cost and monthly mortgage insurance in your loan estimate.
Can I use FHA for a duplex or a condo in Boynton Beach?
Duplexes, triplexes and fourplexes can qualify when you live in one unit. FHA-approved condo projects in Palm Beach County are very limited, though a single-unit approval may be possible for some buildings. Call 561-777-7622.
Speak With a Boynton Beach Mortgage Broker Today
Contact Greg Hayden to compare Boynton Beach mortgage options for your purchase, refinance, gated-community home, waterfront property, condo, investment property, self-employed income or retirement-financing scenario.