Stuart Mortgage Broker for Condos, Jumbo Waterfront Homes, Self-Employed Buyers and Investors
Mortgages Done Right helps Stuart buyers, homeowners, investors and self-employed borrowers compare mortgage options for marina and yacht-club condominiums, riverfront and waterfront jumbo homes, investment properties and everyday purchase or refinance scenarios.
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 Stuart borrowers compare condo, jumbo, bank-statement, DSCR, 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 Stuart 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 Stuart’s Downtown, Waterfront and Marina Market
Stuart combines a historic downtown, a working waterfront and marina district along the St. Lucie River, higher-end riverfront and yacht-club communities, and everyday family neighborhoods inland. Each property type and borrower calls for the right lender and loan structure.
Condo & Non-Warrantable Condo
Financing for marina and yacht-club condominiums, subject to both borrower qualification and the lender’s review of the association.
Jumbo & Waterfront
Options for riverfront and waterfront homes near Sailfish Point and nearby Sewall’s Point where loan amounts often call for jumbo or specialty financing.
DSCR Investor Loans
Rental-property financing that may evaluate the property’s qualifying cash flow instead of relying only on personal income.
Bank Statement & Self-Employed
Bank-statement, profit-and-loss and other Non-QM options for Stuart business owners, professionals and self-employed borrowers in Martin County’s primary commercial center.
Reverse Mortgage
Home-equity options for eligible Stuart homeowners age 62 and older, including some eligible condominium owners.
Primary, First-Time & Move-Up Buyers
Purchase and refinance financing for first-time buyers, families and move-up buyers throughout Stuart’s inland neighborhoods.
Financing Across Stuart’s Downtown, Waterfront and Inland Neighborhoods
Stuart is the county seat of Martin County, combining a historic downtown along the St. Lucie River, a working waterfront and marina district, higher-end riverfront and yacht-club communities such as Sailfish Point and Port Sewall, golf and gated communities inland, and established family neighborhoods. That range means financing needs vary block by block: a marina-area condo may call for association eligibility review, a riverfront estate may call for jumbo or asset-based qualification, and a single-family home inland may fit conventional or FHA/VA guidelines.
Whether you’re purchasing a downtown condo, a waterfront or marina-area home, relocating for Stuart’s schools and small-business community, or financing an investment property, Greg can help you compare financing that fits the property and your plans.
Stuart Condo and Non-Warrantable Condo Financing Requires the Right Lender
Stuart’s marina and yacht-club communities carry a meaningful concentration of condominiums, from downtown and waterfront buildings to marina-area associations near The Harborage. Financing involves two reviews: the borrower’s qualification and, for condos, the lender’s review of the association itself.
What Lenders Look At Beyond the Borrower
For condos, a lender’s association review can include the budget and reserve funding, insurance coverage, owner-occupancy ratios and any pending litigation. Waterfront and marina-area buildings can also carry additional flood zone, wind coverage and insurance costs that affect 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 association eligibility. Every building, association 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.
Marina & Yacht Club Condos
Marina-area and yacht-club condominiums near The Harborage often involve additional insurance and reserve documentation review.
Downtown & Riverfront Condos
Condos in and around historic downtown Stuart and along the St. Lucie River each carry their own association budget and occupancy considerations.
Investment Condos
Rental condos may qualify under conventional investment guidelines or DSCR programs, depending on the association and the lender.
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 →
Jumbo Mortgage Options for Stuart’s Riverfront and Waterfront Homes
Stuart’s luxury tier is built around the working waterfront and the St. Lucie River, led by riverfront and yacht-club communities such as Sailfish Point and Port Sewall, along with higher-end homes near the Harborage. Loan amounts on many of these purchases 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 or asset-based programs instead of a traditional jumbo loan. Conventional financing, second-home guidelines and asset-based qualification are also available for eligible buyers.
Explore Jumbo Loans in Florida →
Explore Bank Statement Loans in Florida →
Self-Employed and Business Owner Financing in Stuart
As the county seat of Martin County, Stuart is home to a large base of small-business owners, contractors, consultants and professionals whose tax returns don’t always reflect their true purchasing power after deductions.
Greg helps self-employed borrowers compare bank-statement programs that use 12 or 24 months of personal or business bank statements, profit-and-loss statement options, and asset-based or asset-depletion programs, in addition to traditional tax-return-based conventional and jumbo financing. Because these are Non-QM programs, guidelines, rates and reserve requirements vary significantly by lender, which is why comparing multiple wholesale lenders matters most for this borrower type.
Stuart Investment Property and DSCR Loans
Between marina-area condos, riverfront rentals, and steady demand from relocating families and retirees, Stuart 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 rental-restriction rules vary by association. Approval always depends on the property, the borrower and the selected lender’s guidelines.
Self-employed investors and business owners who don’t show their full income on tax returns may also want to compare bank-statement and other Non-QM programs alongside traditional investor financing.
Reverse Mortgage Options for Stuart Homeowners
Stuart and the surrounding Martin County area have a strong population of long-tenured homeowners and retirees, which makes reverse mortgages a relevant option for some eligible homeowners to understand, alongside other retirement-financing strategies.
Who May Be Eligible
Homeowners age 62 or older with sufficient equity in an eligible primary residence, including some condominiums, may qualify for a HECM reverse mortgage.
Accessing Home Equity
Eligible borrowers may access home equity and, if proceeds are sufficient, eliminate an existing required monthly mortgage payment on that home.
Ongoing Responsibilities
Borrowers remain responsible for property taxes, homeowners insurance, maintenance and any applicable HOA or condo association charges.
Purchase & Condo Options
HECM for Purchase may help some buyers finance a new home, and proprietary or jumbo reverse options may be available depending on the borrower, property and lender. Condominium eligibility can affect the available options.
Conventional, FHA and VA Loans for Stuart Buyers
Not every Stuart purchase calls for a specialty loan. Greg also helps traditional buyers compare conventional, FHA and VA options, along with refinancing, reverse mortgage and foreign national programs where relevant.
Conventional Loans
Purchase and refinance options for qualified primary residences, second homes and investment properties throughout Stuart.
FHA Loans
Government-backed purchase and refinance options with flexible qualification for eligible primary-residence and first-time 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 Stuart 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 Stuart.
Stuart Mortgage Calculator
Estimate a monthly mortgage payment for a Stuart condo, waterfront home, primary residence, 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.
A Calculator Estimates. Greg Compares.
Estimate the payment online, then speak with Greg about the property, association costs, insurance, loan program and lender options.
Mortgage Help Throughout Stuart
Stuart spans a wide range of property types, from downtown and marina-area condos to riverfront estates, golf communities and family neighborhoods. Financing considerations differ by area more than by name alone.
Downtown & Waterfront
Historic Downtown Stuart, Sailfish Point, Port Sewall, The Harborage and the Yacht & Country Club area.
Condo, jumbo and marina-area financing here often involves association eligibility review, insurance and reserve documentation, alongside standard borrower qualification.
Golf, Gated & Family Neighborhoods
Willoughby Golf Club, Monterey Yacht & Country Club and Summerfield Golf Club anchor Stuart’s golf-course communities, alongside gated communities such as St. Lucie Club, Mariner Village and Florida Club, and family neighborhoods including River Forest, Coral Lakes, Emerald Lakes, Twin Lakes, Palm Lake Park and Springtree.
Buyers here often compare conventional, jumbo and bank-statement options depending on home value and income documentation.
Nearby Martin County Areas
Palm City, Hobe Sound, Jensen Beach, Sewall’s Point, Port Salerno and Indiantown.
Greg also helps buyers and homeowners throughout the surrounding Martin County communities compare mortgage options.
Why Stuart 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.
Condo, Waterfront & Business Owner Experience
Guidance for marina and yacht-club condo buyers, waterfront owners, self-employed borrowers and investors.
More South Florida Mortgage Resources
Mortgages Done Right serves borrowers throughout Stuart and the rest of Martin County, including Palm City, Hobe Sound and Jensen Beach, as well as Palm Beach County and Broward County.
Frequently Asked Questions
Do you work with buyers throughout Stuart?
Yes. Mortgages Done Right helps buyers, homeowners and investors throughout Stuart compare mortgage options from more than 25 wholesale lenders, working directly with Greg Hayden from our Boynton Beach office.
Can you finance a condo in Stuart’s marina and yacht-club communities?
Yes, subject to eligibility. Financing depends on both the borrower and the lender’s review of the specific association, including budget, reserves, insurance and occupancy. A non-warrantable finding from one lender does not automatically apply to every lender, and some non-warrantable buildings may still qualify through select Non-QM or portfolio programs.
Do you offer jumbo loans for Stuart’s riverfront and waterfront homes?
Yes. Jumbo financing is available for qualified buyers of riverfront and waterfront homes near Sailfish Point and Port Sewall whose loan amount exceeds conforming limits, subject to reserves, income documentation and lender guidelines.
Can self-employed business owners use bank statements to qualify?
Eligible self-employed borrowers and business owners may qualify using personal or business bank statements, profit-and-loss documentation or other approved Non-QM methods instead of traditional tax-return income.
Are DSCR loans available for Stuart investment properties?
DSCR financing may be available for eligible rental properties based primarily on property cash flow. Not every condominium or association qualifies, and eligibility depends on the lender’s specific guidelines and any applicable rental restrictions.
Do you work with first-time homebuyers in Stuart?
Yes. Mortgages Done Right helps eligible first-time buyers compare FHA, conventional and down-payment options for Stuart homes and condos.
Do you work with veterans and active-duty service members?
Yes. Mortgages Done Right helps eligible veterans, active-duty service members and qualifying surviving spouses throughout Martin County compare VA loan benefits and other financing options.
Do you offer reverse mortgages in Stuart?
Yes. Eligible homeowners age 62 and older may be able to compare HECM reverse mortgage options, subject to borrower, property and lender eligibility requirements.
Talk Directly With a Stuart Mortgage Broker
Contact Greg Hayden for personalized guidance on Stuart condo and non-warrantable condo financing, jumbo waterfront homes, DSCR investment properties, self-employed income and traditional home purchases.