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Florida Mortgage Brokerage

Palm Beach County

Mortgage options in Boca Raton

Published market figures for Boca Raton, with the source and period for each, and the loan programs most relevant here.

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Market data

The Boca Raton market, with its sources

Published figures for this market, each with the geography it measures, the period it covers and the source it came from. Where a figure covers a wider metro area than this page, it says so.

A median sale price is not a valuation, a closed-sales count is not a count of mortgages written, and neither is an indication of what any lender will approve. Figures are as reported on the date shown and are not updated continuously.

What is different here

What those figures mean in Boca Raton

Each point below reads the figures above rather than restating them. They are the things that are true of this market and not of Florida generally.

  1. Palm Beach County is the most conventional market this site publishes: 24,082 of 28,383 reported originations in 2025, or 84.8%. VA is 991 loans, or 3.5%.

  2. The arithmetic behind that mix is worth spelling out. Palm Beach County's 2026 FHA limit is $667,000, while the Miami-Fort Lauderdale-West Palm Beach MSA median single-family price is $659,000 — the limit sits about $8,000 above the middle of the market. These are different geographies, a county limit against a three-county MSA median, so the comparison is indicative rather than exact; but it shows FHA running out almost exactly where this market's midpoint sits, which is why an 11.6% FHA share is what the data shows.

  3. Above FHA, the county's conforming limit is $832,750 — a further $165,750 — and above that a loan is jumbo, where reserve requirements, documentation and pricing are set by the individual lender rather than by an agency. In a market whose median is this close to the FHA ceiling, the practical question is usually which of those three tiers a purchase falls in.

  4. On a high-rise condominium the building is underwritten alongside the buyer. Project review examines the association's reserves, budget, owner-occupancy mix, insurance and any litigation, and an adverse finding can make a unit unfinanceable on agency terms regardless of the borrower's strength or the size of the down payment. The documents that decide it belong to the association, so the time to request them is before an appraisal is ordered.

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Pathways that apply anywhere in Florida

These explain how each program works anywhere in Florida. The market pages above cover what changes locally.