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West Palm Beach, FL

West Palm Beach mortgage and investor loans

Quick answerWe arrange home loans and investor loans for West Palm Beach properties in Palm Beach County: DSCR Loans, Fix and Flip Loans, DSCR Cash-Out Refinance, Short-Term Rental (Airbnb) DSCR Loans, Bank Statement Loans, FHA Loans, First-Time Homebuyer Loans, VA Loans, Condo Loans.
Reviewed by Juan Fernando Romero, NMLS 2557318Updated

Loan programs in West Palm Beach

Investor

DSCR Loans in West Palm Beach

A DSCR loan is an investment-property mortgage that qualifies you on the property’s rental income divided by its monthly payment (the debt service coverage ratio).

Investor

Fix and Flip Loans in West Palm Beach

A fix and flip loan is short-term (usually 12–18 months), interest-only financing that covers most of a distressed property’s purchase price and up to 100% of renovation costs, repaid when you sell or refinance.

Investor

DSCR Cash-Out Refinance in West Palm Beach

A DSCR cash-out refinance replaces the loan on a rental with a larger one, sized to the property’s value and qualified on its rent, and pays you the difference in cash.

Investor

Short-Term Rental (Airbnb) DSCR Loans in West Palm Beach

A short-term rental DSCR loan qualifies a vacation rental on its nightly-rental income, using 12 months of booking history or a third-party projection such as AirDNA, instead of a long-term lease.

Home loan

Bank Statement Loans in West Palm Beach

A bank statement loan is a non-QM mortgage that calculates self-employed income from 12 or 24 months of personal or business bank deposits instead of tax returns.

Home loan

FHA Loans in West Palm Beach

An FHA loan is a government-insured mortgage that allows 3.5% down with a credit score of 580 or higher, or 10% down with a score from 500 to 579.

Home loan

First-Time Homebuyer Loans in West Palm Beach

First-time homebuyer loans are mortgage options with low down payments, typically 3% conventional, 3.5% FHA or $0 VA, often paired with state or local down payment assistance.

Home loan

VA Loans in West Palm Beach

A VA loan is a mortgage guaranteed by the Department of Veterans Affairs that lets eligible veterans, active-duty service members and certain surviving spouses buy with no down payment and no monthly mortgage insurance.

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Condo Loans in West Palm Beach

A condo loan is a mortgage on a unit in a condominium project, and approval depends on the building as well as the buyer.

Neighborhoods in West Palm Beach

  • El Cid
  • Flamingo Park
  • Northwood Shores
  • Ibis
  • Downtown West Palm Beach

Why borrowers look at West Palm Beach

West Palm Beach pairs a reviving downtown and waterfront with historic neighborhoods and suburban sprawl. El Cid and Flamingo Park hold 1920s Mediterranean Revival homes, Northwood Shores offers waterfront property, Ibis is a big golf community, and downtown towers serve professionals and seasonal residents. The housing stock spans historic estates, mid-century ranches and new luxury condos. Buyers come for the finance and healthcare job base, the Brightline connection to Miami, and relative value versus Miami. Investors like the mix of long-term and executive rentals. Flood zones along the Intracoastal and wind exposure keep insurance in focus. New downtown development and the Brightline station continue to pull young professionals north from Miami.

Local market snapshot: West Palm Beach

Median home value$414,200City of West Palm Beach · Source: U.S. Census Bureau, American Community Survey 5-year estimates
Median gross rent$1,772/moCity of West Palm Beach · Source: U.S. Census Bureau, American Community Survey 5-year estimates
Effective property tax rate0.83% (approx.)Palm Beach County, effective rate (approx.) · Source: SmartAsset, Florida Property Tax Calculator

Homeowners insurance: Flood zones follow the Intracoastal and Lake Worth Lagoon, so waterfront buyers should expect flood insurance. Wind premiums are meaningful across the city. Historic homes in El Cid and Flamingo Park can carry higher premiums tied to older roofs and construction, so quotes should come early.

Figures are the most local reliable public data available (city, then county, then statewide), each labeled above. They are context for your payment estimate, not a quote, run your scenario through our payment calculator.

Before you buy or refinance in West Palm Beach

  • Pull the Palm Beach County property tax bill early; it is part of every payment and DSCR calculation.
  • Get an insurance quote before you lock a price, including wind and flood.
  • For rentals, check rent comps and any local rental registration or short-term rental rules in West Palm Beach.
  • Florida charges documentary stamp tax on new mortgage notes (35¢ per $100) and a 0.2% nonrecurring intangible tax on mortgages, both paid at closing. Condo projects face extra review after the state’s post-2022 structural-safety reforms, so condo budgets and reserve studies matter to lenders.

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FAQ

What loans can I get in West Palm Beach, FL?

Investor loans (DSCR, fix and flip, cash-out, short-term rental) and owner-occupied home loans (bank statement, FHA, VA, conventional and more).

Who assesses property taxes in West Palm Beach?

Palm Beach County. Lenders include those taxes in the monthly payment used to qualify you.

See what you qualify for

It takes about two minutes and does not affect your credit score. A licensed loan officer reviews every request.

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