“Super impressed with how fast and smooth the whole process was — especially given my complex RSU comp structure that traditional banks kept discounting.
Eric and the team had no problem including my full base + RSU compensation. They were extremely fast, set clear expectations from the start, and followed through on everything they promised.
Honestly one of the easiest and most stress-free mortgage experiences I’ve ever had. Highly recommend!”
Jumbo Non-QM Loans in Palm Beach County, Florida
Palm Beach County draws buyers looking for oceanfront estates, country club homes and waterfront condos from Jupiter to Boca Raton. LendFriend offers jumbo Non-QM options for borrowers who need more flexibility around income, assets or property type.
Why Homebuyers Trust LendFriend With Their Jumbo Loans in Palm Beach County
Financing a high-value home in Palm Beach County often calls for more than a standard jumbo mortgage. LendFriend works with buyers purchasing primary residences, seasonal homes, condos and investment properties, with access to jumbo and jumbo Non-QM programs from more than 40 wholesale lenders.
We regularly help buyers finance homes in Palm Beach, Palm Beach Gardens, Jupiter, West Palm Beach, Wellington, Delray Beach and Boca Raton, where property values, income profiles and seasonal use can make lender guidelines more complicated.
Jumbo Loans Built Around the Borrower
Some buyers qualify easily with W-2 income and strong reserves. Others rely on business income, investments, retirement assets or several income sources that call for a different approach.
LendFriend offers jumbo financing for a wide range of borrower profiles, including:
- Bank statement jumbo loans for eligible self-employed borrowers who document income with business or personal deposits instead of tax returns
- Asset depletion jumbo loans for borrowers who qualify with eligible investment and retirement assets
- No-ratio jumbo loans for eligible borrowers buying or refinancing a primary residence who want to qualify mainly on credit, assets and the property instead of traditional income calculations
Financing for Country Club, Waterfront and Seasonal Homes
Palm Beach County attracts buyers purchasing homes for seasonal use, retirement and full-time relocation from the Northeast. Those purchases range from golf residences in Mirasol, BallenIsles and Frenchman’s Creek to oceanfront condos in Palm Beach and Intracoastal estates in Boca Raton and Delray Beach.
We help borrowers finance second homes, high-rise condos and equestrian properties in Wellington while accounting for occupancy, reserves, condo project review and the way the borrower earns or holds wealth.
A Faster, More Responsive Jumbo Process
South Florida sellers often favor buyers who can close quickly. We review income, assets and credit early and stay closely involved with the lender, appraiser and title company. Our lender relationships help move qualified loans through the process efficiently. For prepared borrowers, that can mean closing a jumbo loan in as little as 14 days.
Trusted by Homebuyers
Eric and Michael Bernstein, co-founders of LendFriend Mortgage, grew up in Boca Raton and have financed homes throughout Palm Beach County. Our reviews describe the experience we work to deliver on each loan: responsive communication, clear answers and steady execution from preapproval through closing.
Loan Programs To Suit Every Palm Beach County Borrower's Needs!
With access to hundreds of mortgage investors, we offer flexible jumbo loan options for borrowers with more complex financial profiles. Whether you are self-employed, applying with 1099 income, using asset depletion, or exploring crypto mortgages, LendFriend can help structure financing around your real financial picture. We work to find solutions where traditional lenders may say no, helping make higher-priced homeownership possible.
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Asset Depletion Mortgage for HNW Individuals
Leverage your assets to qualify for your dream home with an asset depletion mortgage. Use your bank accounts, investment portfolios, and retirement funds as income. Our asset-based lending solutions are ideal for high net worth individuals with non-traditional income.
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Self Employed Mortgages For Entrepreneurs and 1099 earners
Getting a mortgage for self employed income shouldn't be so hard. We make it easy with self employed mortgage options that don’t require tax returns or W2s—no red tape, just real solutions.
Crypto Mortgages for Bitcoin and Ethereum Investors
Buy a house with bitcoin without selling a token using crypto mortgages! No income needed. Qualify to buy your dream home using just your Bitcoin and Ethereum holdings Crypto investors financing Palm Beach County homes above the conforming limit can use a jumbo crypto mortgage while their coins stay in their wallet.
RSU Mortgages For Tech Employees
Leverage your Restricted Stock Units to qualify for a mortgage without waiting or cashing out shares. Our RSU mortgage program recognizes vested stock grants as income, giving tech employees and equity-compensated professionals a faster path to homeownership.
Buy Before You Sell
Move into your new home before selling your current one with our Buy Before You Sell program. The down payment comes from a bridge loan secured by the home you own today. Unlock your equity upfront, avoid contingent offers, and buy with confidence—without the stress of timing two closings.
Jumbo No-Ratio Loans in Palm Beach County
Qualify for a jumbo mortgage on a primary residence with no debt-to-income ratio calculated. Lenders approve a no-ratio loan on credit, equity, reserves, and mortgage history, and the loan is offered for a primary residence only. Palm Beach County owners with most of their net worth in property or a business may be candidates.
Straightforward Qualification That Works for Buyers in Palm Beach, Jupiter and Boca Raton
Buyers often want to know what it takes to qualify for a jumbo loan in Palm Beach, Palm Beach Gardens, Jupiter, Delray Beach or Boca Raton. We review credit, income, assets, reserves and the property at the start, so you know which programs fit before you make an offer.
Clear qualification guidelines for jumbo loans
We explain credit, debt-to-income, reserve and documentation requirements early, which gives you a clearer picture of what you may qualify for and what lenders will expect.
More options for self-employed and retired buyers
LendFriend offers jumbo bank statement loans for eligible self-employed borrowers and jumbo asset depletion loans for retirees and high-net-worth buyers who use eligible investment and retirement assets to qualify.
Get Started On Your Palm Beach County Jumbo Loan
Whether you are buying an oceanfront home in Palm Beach, a golf residence in Palm Beach Gardens or a waterfront property in Boca Raton, LendFriend can help you find a home loan in Florida that fits your financial profile.
Apply online or schedule a call with our team to review your options, current jumbo mortgage rates in Palm Beach County and the documentation needed to move forward. For qualified borrowers, we can also help position the loan for a faster closing once you are under contract.
Jumbo Non-QM Loan Examples for Palm Beach County Buyers
Executives, founders, and retirees from Jupiter to Boca Raton frequently need a seven-figure loan that a bank's income formula does not support. The examples below are illustrative. They show how lenders can structure jumbo loans for Florida homes using asset depletion loans, bank statement loans, and jumbo no-ratio loans for a purchase or a cash-out refinance. Jumbo no-ratio loans apply to a primary residence only.
$2.4M Asset Depletion Loan in Palm Beach Gardens
A retired couple buying a $3.5M home in Mirasol in Palm Beach Gardens wants a $9M portfolio to stay invested. A jumbo asset depletion loan can treat brokerage and IRA balances as qualifying income for a $2.4M mortgage. The couple puts $1.1M down and liquidates no investments.
$5.2M Cash-Out Asset Depletion Loan in Palm Beach
A Palm Beach homeowner holds an in-town residence worth about $13M with a $1.9M mortgage. A jumbo asset depletion loan can qualify a $5.2M cash-out refinance on a $22M portfolio, with no salary or pension documented. The loan equals 40% of value and returns about $3.3M to the owner.
$1.5M Bank Statement Loan in Jupiter
A Jupiter business owner buying a $2M home shows limited taxable income after 8 years of business deductions. A jumbo bank statement loan can qualify a $1.5M mortgage on 12 months of business deposits, with no tax returns. With $500,000 down, the loan can be ready to close inside a 30-day contract.
$3M Cash-Out No-Ratio Loan in Boca Raton
A Boca Raton owner holds a primary residence in Royal Palm Yacht and Country Club worth about $7.5M with a $1.5M mortgage. A jumbo no-ratio loan, available for a primary residence only, can support a $3M refinance on equity, credit, reserves, and mortgage history. The refinance releases roughly $1.5M at 40% of value, with no debt-to-income ratio calculated.
Jumbo Mortgage Options Beyond Palm Beach County
Palm Beach County buyers rarely limit a search to one city. Seasonal residents, relocating families, and second-home buyers ask us about financing in other markets too. We arrange jumbo loans in many of the places these clients also own property.
Within Florida, we finance higher-priced homes from Jupiter and Palm Beach to Boca Raton, Delray Beach, and the Gulf Coast. Our jumbo loans in Florida are offered for primary residences, second homes, and investment properties in every part of the state. South of the county line, many buyers compare waterfront homes in Fort Lauderdale and condos and estates in Miami and Miami Beach.
On the Gulf side, Palm Beach County owners often consider Naples and Marco Island or Sarasota and Longboat Key for a second home. Others look north along the Atlantic to the Treasure Coast and the Space Coast.
Many clients keep a residence in the Northeast. We work with buyers in Connecticut towns such as Greenwich and Westport, on the Jersey Shore, and in New Hampshire. Summer homes take Palm Beach County owners to the North Carolina mountains near Highlands and Cashiers. Ski homes take them to Colorado resort towns such as Aspen and Vail.
If the next home is in Palm Beach County, elsewhere in Florida, or out of state, we can compare jumbo mortgage options with you before you submit an offer.
BORROWER TESTIMONIALS
See Why Jumbo Borrowers Choose LendFriend Mortgage
See how homebuyers across the country have worked with LendFriend Mortgage to navigate larger loan amounts, complex income, and jumbo mortgage financing.
★★★★★
“Eric is my go to guy for all lending needs. This is my third time with Lendfriend and will be back for future purchases and refi!”
“The team at LendFriend made buying our home in Florida so easy. We had an expiring lease and LendFriend was able to move very quickly to get us closed in under 30 days before the lease ended.
They also got us a great rate on a jumbo loan and were available day and night to answer all of our questions. If you’re looking for a mortgage broker that makes the process stress-free while still getting you a great rate, you have to call LendFriend.”
“We had a great experience working with LendFriend, specifically, Michael and team. They were responsive, knowledgeable, and professional throughout the entire process. Communication was clear, and they made everything feel smooth and easy.”
“LendFriend is the absolute best. I found them after I was denied by a lender due to an appraisal issue. I spoke with dozens of lenders, but LendFriend was the only one that could figure out a solution.
They were able to close my jumbo loan in less than 3 weeks and hit my closing date. If you need a lender to step in and save the day, call LendFriend!”
“The staff from my new favorite mortgage company Lendfriend is the best experience I’ve ever had from any lending organization...Their customer Service was very attentive and always prepared to assist me in every way...Ask for Eric !!”
FAQs – Getting a Jumbo Loan In Palm Beach County
What loan amount qualifies as a jumbo loan in Palm Beach County?
In Palm Beach County, the 2026 conforming loan limit for a one-unit property is $832,750. Any mortgage above this amount is considered a jumbo loan. Since most homes in Palm Beach County country clubs and high-value neighborhoods exceed this threshold, jumbo mortgages are common.
How much can I borrow with a jumbo loan?
With strong qualifications, jumbo loan amounts in Palm Beach County can reach into the multi-million range. Approval depends on credit score, loan-to-value ratio, and reserves. Higher credit and more reserves unlock lower jumbo rates and better terms.
Do jumbo loans require perfect credit?
No. While a 750+ score helps secure the best jumbo pricing, borrowers with slightly lower scores can still qualify if they show compensating strengths, such as a larger down payment or significant liquid assets.
Can I get a jumbo loan if I’m self-employed or have complex income?
Yes. We offer non-QM jumbo programs like bank-statement mortgages and asset-depletion loans. These allow entrepreneurs, consultants, and retirees in Palm Beach County to qualify without relying on W-2s or traditional tax returns.
What property types are eligible for jumbo financing?
Eligible properties include single-family homes, condos, townhomes, and 2–4 unit properties. Whether it’s a Mirasol estate, a Frenchman’s Creek waterfront home, a golf course villa in BallenIsles, or a residence in PGA National, we’ll structure the right jumbo financing solution.
What if I don’t live in a gated community?
That’s no problem. Jumbo loans are not limited to country clubs or gated neighborhoods. Whether you live in West Palm Beach, Lake Worth or any non-gated community, we can structure a jumbo mortgage that fits your property and your financial goals.
Can I do a jumbo cash-out refinance in Palm Beach County?
Yes. With a jumbo cash-out refinance, owners of higher-priced homes in Palm Beach County pay off the existing loan with a new, larger one and receive the difference at closing. For a property in Palm Beach County, available cash is set by the home's value, the current balance and the lender's loan-to-value limit, and reserve requirements usually grow with loan size. Military families in Palm Beach County can also look at a VA cash-out refinance or a VA jumbo cash-out refinance, where the right lender may lend well above conventional jumbo cash-out limits.
Can veterans use a VA loan for a jumbo purchase in Palm Beach County?
Eligible veterans and active-duty service members buying higher-priced homes may be able to use a VA loan above the conventional limits with $0 down, no monthly PMI, and competitive rates. VA jumbo loans may have no fixed loan limit for a borrower whose entitlement is fully available.
How do jumbo loan interest rates compare to conventional rates?
In South Florida, jumbo loan rates are often competitive with — and sometimes lower than — conventional rates. That’s because lenders aggressively compete for qualified jumbo borrowers in high-demand areas like Palm Beach, Jupiter and Boca Raton. Lenders price jumbo loans in Tampa with the same urgency on the Gulf side of the state.
Is an adjustable-rate mortgage a good option for a jumbo loan in Palm Beach County?
It may be, depending on how many years you expect to keep the loan. A 5/1 or 7/1 jumbo ARM carries a fixed rate for five or seven years and commonly prices below a 30-year fixed. Executives who expect a transfer and owners who plan to refinance are typical users in Palm Beach County. A 7/1 ARM may also suit a Palm Beach Gardens owner who buys a second home on 30A or in Destin and plans to sell within seven years. The lower initial rate helps explain the return of ARMs among jumbo borrowers. A planned sale also changes how an ARM compares with a fixed loan.
What can I do if a bank denied my jumbo loan in Palm Beach County?
One denial rarely settles the question, because each bank applies its own overlays. Wholesale jumbo lenders differ in their treatment of bonus income, RSUs, business income, and large investment accounts. We can resubmit the file to a lender whose guidelines suit the borrower's profile. Buyers in Jupiter or Palm Beach Gardens who are under contract have several ways to proceed when a jumbo loan is denied.
How much do I need to put down on a jumbo loan in Palm Beach County?
Most jumbo lenders require 10% to 20% down on a primary residence in Palm Beach County. Borrowers with high credit scores and deep reserves may qualify at 10%, while second homes and investment properties call for a larger down payment. Reserves left after closing are part of the same review. The minimum for each program depends on credit, occupancy, and loan amount, which is why jumbo and Non-QM mortgage down payments differ from one lender to the next. Buyers who live in the home full-time may file for the Florida homestead exemption to lower property taxes.
Why Choose LendFriend?
At LendFriend Mortgage, jumbo loans aren’t just one of the programs we offer—they’re a core specialty. We match borrowers with the right jumbo lender for their property, financial profile, and goals, with no hidden fees and a process built for speed. Whether you want a fixed 30-year, a 7/1 ARM, or a flexible non-QM option, we make it simple to get approved and close quickly.
Around the Clock
We’re available 7 days a week to help you compare jumbo mortgage rates, review lender options, and move forward with confidence—whether you’re buying a primary home, second home, or investment property.
Loan Options
We offer a full range of jumbo financing solutions, from conventional fixed rates to ARMs, bank statement loans, and asset depletion programs—so you get the right fit for your goals.
Get Pre-Approved Quickly
Our jumbo preapproval process strengthens your offer and gives sellers confidence in your ability to close on higher-priced properties. You can apply for a jumbo loan online in minutes, making it faster and easier to get started.
Personalized Mortgage Guidance
You’ll work one-on-one with a jumbo mortgage expert who will explain your options, help you structure your file for approval, and guide you through underwriting with clarity.
Close in as little as 14 days
Our process is designed for larger transactions, so most jumbo loans close in as little as 14 days, even in competitive neighborhoods across Palm Beach County.