Riviera Beach Mortgage Broker for Homebuyers, Waterfront Condos, Investors & Complex Borrowers
Mortgages Done Right helps Riviera Beach, Florida buyers and homeowners compare mortgage
options for conventional purchases, FHA and VA financing, waterfront condos, jumbo loans,
self-employed income, investment properties, refinancing and reverse mortgages.
Riviera Beach is one of Palm Beach County’s most diverse housing markets, with established
residential neighborhoods, waterfront condominiums, marina-area properties and access to
Singer Island, the Intracoastal Waterway and nearby oceanfront communities. Whether you are
purchasing your first home, buying a condo, moving into a higher-value property or financing
an investment property, we can compare programs from multiple wholesale lenders.
30+
Years Mortgage Experience
$1B+
Loans Closed
25+
Wholesale Lenders
Across All Platforms!
Mortgage Financing Across Riviera Beach
Riviera Beach includes a wide range of property types and borrower needs. Some buyers
are purchasing modest single-family homes with conventional, FHA or VA financing,
while others are purchasing waterfront condominiums, investment properties or
higher-value homes near the Intracoastal and Singer Island.
That variety makes lender selection especially important. One borrower may need
traditional conforming financing while another may need jumbo underwriting, a
non-warrantable condo loan, bank statement qualification or DSCR investor financing.
Mortgages Done Right works with more than 25 wholesale lenders, allowing us to compare
lending guidelines instead of forcing every Riviera Beach borrower into one bank’s
limited product menu.
Conventional, FHA, VA & First-Time Buyer Options
Buyers in Riviera Beach can have very different down-payment, credit and income profiles.
We compare programs based on the borrower rather than assuming one mortgage fits everyone.
01
Conventional Loans
Traditional purchase and refinance financing for qualifying primary residences,
second homes and investment properties.
02
FHA Loans
FHA financing can provide flexible down-payment and credit options for qualifying
buyers purchasing an eligible primary residence.
03
VA Loans
Eligible veterans, service members and surviving spouses may qualify for VA
financing with no required down payment and no monthly mortgage insurance, subject
to program and lender requirements.
Warrantable & Non-Warrantable Condo Loans in Riviera Beach
Riviera Beach has a significant concentration of condominium and waterfront properties,
particularly near the Intracoastal, marina area and Singer Island. Condo financing can
involve more than simply qualifying the buyer because the condominium project itself
may also have to meet lender requirements.
Factors such as reserves, insurance, owner occupancy, pending litigation, commercial
space, structural concerns and project eligibility can affect whether a condominium
is considered warrantable or non-warrantable.
Mortgages Done Right works with lenders that offer both traditional warrantable condo
financing and programs for certain non-warrantable projects, giving Riviera Beach condo
buyers more options when conventional agency guidelines do not fit.
Marina, Singer Island & Intracoastal Financing
Riviera Beach’s waterfront identity is one of the city’s defining features. The marina,
Intracoastal Waterway and nearby Singer Island create a very different housing market
from inland neighborhoods only a few miles away.
Buyers in these areas may be purchasing waterfront condominiums, second homes,
higher-value residences or properties that require jumbo financing. Property type,
association structure and borrower income can all influence which lender is the best fit.
For qualified borrowers, we can compare jumbo, conventional, condo, bank statement
and other financing options based on the actual transaction rather than relying on
one standard lending program.
Self-Employed, Investor & Alternative-Income Mortgage Options
Riviera Beach also attracts business owners, real estate investors and borrowers whose
income may not fit traditional tax-return underwriting.
Bank Statement Loans
Qualifying self-employed borrowers may be able to use eligible bank deposits to help
establish income instead of relying exclusively on traditional tax returns.
DSCR Investor Loans
Real estate investors may qualify based primarily on eligible property rental income
and cash flow rather than personal employment income.
Alternative Income Loans
Some borrowers may qualify using alternative documentation when traditional income
calculations do not reflect their overall financial strength.
Refinance & Home Equity Options in Riviera Beach
Already own a home in Riviera Beach? Depending on your goals and current rate,
refinancing or tapping home equity may be worth a look.
Rate-and-Term Refinance
Replacing your current mortgage with a new one may help adjust your rate, loan term
or monthly payment, depending on your situation and current market conditions.
Cash-Out Refinance
Qualifying homeowners may be able to refinance for more than they owe and take the
difference in cash for renovations, debt consolidation or other goals.
HELOC
A home equity line of credit lets qualifying homeowners borrow against available
equity as needed, separate from refinancing the existing first mortgage.
Reverse Mortgage Options for Riviera Beach Homeowners
Eligible homeowners age 62 and older may be able to access a portion of their home equity
through a reverse mortgage while continuing to own and live in the property, subject to
program requirements.
HECM Reverse Mortgages
FHA-insured Home Equity Conversion Mortgages can provide qualifying homeowners with
access to home equity without a required monthly principal and interest payment.
Condo Considerations
Reverse mortgage financing on condominiums can involve project eligibility and other
property-specific requirements, making lender and program selection especially important.
Mortgage needs can vary significantly across Riviera Beach, from first-time
purchases and established neighborhoods to waterfront condos and investment
properties.
Traditional purchase and refinance financing for qualifying borrowers.
Alternative income documentation for qualifying self-employed borrowers.
Investment-property financing based primarily on eligible rental cash flow.
Riviera Beach Home Loan Options
Conventional
Bank Statement
DSCR Investor
Compare Rates, Fees & Payments for Your Riviera Beach Mortgage
Interest rate is only one part of the cost of a mortgage. Greg Hayden can compare interest
rate, APR, discount points, lender fees, closing costs and estimated monthly payment using
available options from Mortgages Done Right’s network of 25+ wholesale lenders, so you can
see the full picture before choosing a loan — not just a headline rate.
Start with the calculator below to estimate a payment, then contact Greg for a free,
no-obligation comparison of actual rate and cost options for your specific purchase or
refinance.
Riviera Beach Mortgage Calculator
Estimate a monthly mortgage payment for a Riviera Beach home, waterfront condo, investment property or refinance.
Your actual housing payment may also include Florida property taxes, homeowners insurance, mortgage insurance and HOA or condo dues. Greg Hayden can help you compare the complete payment and available loan options.
A Calculator Estimates. Greg Compares.
Estimate the payment online, then speak with Greg about the property, condo project, loan program, insurance, association costs and lender options.
More Lending Options for a Diverse Riviera Beach Market
Greg Hayden and Mortgages Done Right bring more than three decades of mortgage
experience to Riviera Beach and Palm Beach County borrowers.
Mortgage Experience
Wholesale Choices
Loans Closed
Palm Beach County Focus
We beat the Banks. We do Mortgages Right.
Mortgages Done Right serves borrowers throughout Riviera Beach and surrounding
central and northern Palm Beach County communities.
Serving Riviera Beach & Nearby Palm Beach County Communities
Riviera Beach Mortgage FAQs
Do you provide mortgage financing in Riviera Beach, Florida?
Yes. Mortgages Done Right helps Riviera Beach buyers and homeowners compare
mortgage options for purchases, refinancing, condos, investment properties,
self-employed income and other qualifying situations.
Do you finance waterfront condos in Riviera Beach?
Yes. Depending on the borrower, condominium project and loan type, financing may
be available for warrantable and certain non-warrantable condominium properties.
What makes a condo non-warrantable?
Condominium project eligibility can be affected by factors such as insurance,
reserves, owner occupancy, litigation, commercial space and other project-level
requirements.
Do you offer FHA loans in Riviera Beach?
Yes. FHA financing may be available to eligible borrowers purchasing an eligible
primary residence in Riviera Beach, subject to program and lender requirements.
Do you offer VA loans in Riviera Beach?
Yes. Eligible veterans, service members and surviving spouses may have VA financing
options in Riviera Beach with no down payment and no monthly mortgage insurance.
Available terms depend on entitlement, the property and lender qualification. Call
Greg Hayden at 561-777-7622 to review your options.
Can self-employed borrowers use bank statements?
Depending on the program, qualifying self-employed borrowers may be able to use
eligible personal or business bank deposits to help establish income.
Do you offer DSCR loans for Riviera Beach investment properties?
Yes. Depending on the transaction, DSCR financing may allow qualified investors
to qualify primarily using eligible property rental income and cash flow.
Are jumbo loans available for higher-value Riviera Beach properties?
Yes. Jumbo financing may be available for qualifying borrowers purchasing or
refinancing higher-value homes and condominiums.
Why use a mortgage broker instead of one bank?
A mortgage broker can compare loan programs and underwriting guidelines from
multiple wholesale lenders rather than limiting borrowers to one institution.
Looking for a Mortgage Broker Serving Riviera Beach?
Whether you are buying your first home, purchasing a waterfront condo, investing,
self-employed, refinancing or exploring reverse mortgage options, let us compare
your financing choices.
Mortgages Done Right Inc. • NMLS 1532755
Greg Hayden • NMLS 332209