Palm Beach Shores Mortgage Broker for Condos,
Coastal Homes & Complex Financing
Mortgages Done Right helps Palm Beach Shores and Singer Island
buyers, homeowners, condo purchasers, self-employed borrowers,
retirees and investors compare mortgage options from more than
25 wholesale lenders.
From beachfront condominiums and second homes to bank statement
loans, asset qualifier programs, reverse mortgages, jumbo financing
and investment-property loans, Greg Hayden brings more than
30 years of mortgage experience to both traditional and
complex financing situations.
Years
Mortgage Experience
Closed
Mortgage Volume
Lenders
Wholesale Choices
Ratings
& Reviews
Mortgage Financing in Palm Beach Shores, Florida
Palm Beach Shores occupies the southern end of Singer Island,
with the Atlantic Ocean to the east, Lake Worth Lagoon and
Intracoastal waterways to the west, and the Lake Worth Inlet
at the southern end of the community.
The local housing market includes beachfront condominiums,
second homes, seasonal residences, established single-family
properties and higher-value coastal real estate.
That mix makes lender selection especially important.
Financing can depend not only on the borrower, but also on
condominium eligibility, insurance, association finances,
occupancy, reserves, income documentation and property type.
Warrantable & Non-Warrantable Condo Financing
in Palm Beach Shores
Palm Beach Shores and Singer Island include condominium buildings
ranging from older coastal properties to newer and higher-value
beachfront residences.
A borrower can be well-qualified while the condominium project
itself requires additional lender review. Insurance, reserves,
budgets, structural documentation, special assessments,
litigation and project eligibility may affect conventional
financing.
When a project does not meet standard agency requirements,
Mortgages Done Right can review eligible non-warrantable and
specialty condo programs from participating wholesale lenders.
Mortgage Options for Condos, Coastal Homes & Complex Borrowers
Compare traditional and specialty mortgage programs based on property type, occupancy, income documentation, assets, loan amount and financing goals.
Condo Financing
Mortgage options for warrantable condominiums and certain non-warrantable condo projects that may not fit standard agency or bank guidelines.
Explore Condo Financing →Bank Statement Loans
Alternative income documentation for eligible self-employed borrowers, entrepreneurs and business owners whose taxable income may not reflect their full cash flow.
Explore Bank Statement Loans →Asset Qualifier Loans
Asset depletion and asset qualifier options for certain retirees, investors and asset-rich borrowers who may not fit traditional employment-income underwriting.
Explore Asset Qualifier Loans →Reverse Mortgages
HECM and proprietary reverse mortgage options for eligible Palm Beach Shores homeowners age 62 and older, including certain condominium scenarios.
Explore Reverse Mortgages →Jumbo Loans
Financing for qualified borrowers purchasing or refinancing higher-value Palm Beach Shores homes, beachfront condos, second homes and coastal properties.
Explore Jumbo Loans →DSCR Investor Loans
Investment-property financing that may qualify primarily using eligible property rental income and cash flow rather than traditional personal income.
Explore DSCR Loans →Need conventional, FHA, VA, second-home or another mortgage program? Mortgages Done Right offers additional financing options through our network of wholesale lenders.
Bank Statement & Asset Qualifier Mortgage Options
Palm Beach Shores buyers may include business owners, investors,
retirees and borrowers with substantial liquid or investment
assets whose financial profile is not fully reflected by
traditional employment income.
Eligible bank statement programs may evaluate qualifying income
using personal or business deposits, while asset depletion and
asset qualifier programs may provide additional approaches for
certain borrowers with significant verified assets.
Bank Statement Loans
Designed for certain self-employed borrowers whose business
cash flow may support qualification even when taxable income
is reduced by legitimate business deductions.
Asset Depletion & Asset Qualifier
Certain programs may use eligible verified assets when
determining qualification for borrowers with substantial
investment, retirement or liquid assets.
Second Homes & Coastal Property Financing
Palm Beach Shores attracts buyers looking for beachfront living,
seasonal residences, condominium ownership and convenient access
to the Atlantic Ocean and surrounding waterways.
Second-home financing can depend on occupancy requirements,
down payment, reserves, property type, condominium eligibility
and the borrower’s existing housing obligations.
Greg can compare conventional, jumbo and specialty financing
options based on the complete transaction rather than assuming
every coastal purchase belongs in the same mortgage program.
Reverse Mortgages for Palm Beach Shores Homeowners
Long-time Palm Beach Shores homeowners and condo owners may have
accumulated substantial equity, including properties owned free
and clear or with relatively small remaining mortgage balances.
Mortgages Done Right works with FHA-insured HECM reverse mortgages
as well as proprietary reverse mortgage programs. Depending on the
borrower and property, proprietary programs may provide additional
alternatives for certain higher-value properties and certain
condominium situations.
Jumbo Mortgage Options Without Making Jumbo the Only Solution
Higher-value beachfront condominiums, coastal homes and second
homes may require jumbo financing when the requested mortgage
exceeds applicable conforming loan limits.
But a large property value does not automatically mean a
traditional jumbo mortgage is the best solution. Income structure,
assets, occupancy, condo eligibility, reserves and the borrower’s
broader financial situation may point toward another program.
One Mortgage Broker. More Lending Options.
Work directly with Greg Hayden and compare traditional and
specialty mortgage programs through a broad wholesale lender network.
Mortgage Experience
Wholesale Choices
Loans Closed
Work With Greg
We beat the Banks. We do Mortgages Right.
Estimate Your Palm Beach Shores Mortgage Payment
Use our Florida mortgage calculator to estimate principal and
interest based on loan amount, interest rate and term. Your actual
housing payment may also include property taxes, homeowners or
condominium insurance, flood insurance, mortgage insurance,
association dues and other applicable costs.
Serving Palm Beach Shores & Northern Palm Beach County
Mortgages Done Right works with borrowers throughout Palm Beach Shores, Singer Island and communities across Palm Beach County.
Palm Beach Shores Mortgage FAQs
Do you provide mortgages in Palm Beach Shores and Singer Island?
Yes. Mortgages Done Right helps qualified buyers and homeowners
compare financing for Palm Beach Shores condominiums, coastal
homes, second homes, investment properties and other eligible
residential properties.
Can you finance Palm Beach Shores condos?
Yes. Condo approval depends on both the borrower and the project.
Mortgages Done Right can review conventional warrantable condo
financing and certain specialty non-warrantable condo programs.
What can make a condo non-warrantable?
Project eligibility can be affected by insurance, reserves,
budgets, litigation, structural or inspection issues, special
assessments, ownership concentration and other lender or
agency requirements.
Can self-employed borrowers use bank statements?
Certain bank statement mortgage programs allow eligible
self-employed borrowers to document qualifying income using
personal or business bank statements instead of relying solely
on traditional tax-return income calculations.
Can retirees qualify using substantial assets?
Depending on the program, eligible verified assets may be used
through asset depletion, asset qualifier or other approved
mortgage qualification methods.
Do you finance second homes in Palm Beach Shores?
Yes. Qualified borrowers may finance eligible second homes
subject to occupancy, down payment, reserve, property and
program requirements.
Do you offer reverse mortgages in Palm Beach Shores?
Yes. Mortgages Done Right works with FHA-insured HECM reverse
mortgages and proprietary reverse mortgage programs for
eligible borrowers and properties.
Are proprietary reverse mortgages available for condos?
Certain proprietary reverse mortgage programs may offer
alternatives for eligible condo scenarios that do not fit
standard HECM requirements. Availability depends on the
borrower, property and program.
Do you offer jumbo loans for Palm Beach Shores properties?
Yes. Qualified borrowers purchasing or refinancing higher-value
coastal homes and condominiums may compare available jumbo
programs from participating wholesale lenders.
Why use a mortgage broker instead of one bank?
A mortgage broker can compare available programs and
underwriting guidelines from multiple wholesale lenders rather
than limiting the borrower to the mortgage products of one bank.
Talk With a Palm Beach Shores Mortgage Broker
Whether you are financing a condo, second home, beachfront
property, using bank statement income, qualifying through assets
or exploring a reverse mortgage, let Greg compare your options.
Mortgages Done Right Inc. • NMLS 1532755
Greg Hayden • NMLS 332209