Who We Are
At Reach Home Loans, we help Boca Raton buyers and homeowners secure financing with clear guidance and reliable support. Our office in Mizner Park works with clients across Palm Beach and Broward counties, offering purchase and refinance solutions tailored to the South Florida market. Whether you’re buying a downtown condo, a family home near A-rated schools, or a waterfront property, our team understands the local lending landscape and partners with you from pre-approval through closing. We combine personal service with modern digital tools so you can move forward with confidence in every step of the loan process.
Why Work With Reach Home Loans in Boca
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Local underwriting relationships and fast turn times for Palm Beach County.
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Transparent fees, clear timelines, and proactive status updates.
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Purchase and refinance expertise across condos, townhomes, and single-family homes.
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Self-employed and complex-income scenarios handled in-house.
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Digital application with secure document upload and text/email updates.
Loan Options We Offer
- Conventional (Fixed & ARM): 30-year and 15-year options for primary, second home, and investment.
- FHA: Flexible down payment and credit guidelines, ideal for first-time buyers.
- VA: $0 down for eligible service members and veterans.
- Jumbo: Competitive solutions for higher price points common in East Boca and coastal areas.
- Refinance: Rate-and-term, cash-out, and debt consolidation strategies.
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- Apply & Pre-Approval: 10–15 minutes online, soft-pull options available.
- Rate & Strategy: We compare scenarios, terms, and total costs with clear side-by-side breakdowns.
- Underwriting: Fast conditions review, we coordinate with your agent, title, and insurance.
- Clear to Close: Final numbers, closing disclosure review, and signing.
- After Closing: Ongoing support for tax, escrow, and refinance opportunities.
What to Have Ready
- Recent pay stubs or income statements, last 2 years W-2s/1099s, and tax returns if applicable.
- Two months of bank/asset statements.
- Government ID and homeowner’s insurance contact.
- For self-employed: business returns, YTD P&L, and balance sheet.
- For investors: lease/rent rolls, DSCR docs if using program.
Boca Raton Expertise
Financing in Boca often means condo reviews, coastal insurance considerations, and higher HOA dues near the water. We help you navigate condo questionnaires, reserves, and project approvals, plus shop insurance early to avoid closing delays. Whether you’re near Mizner Park, FAU, Downtown Boca, Boca West, or East Boca along A1A, we tailor terms to the neighborhood and property type.
Our team is based in Mizner Park in Boca Raton and works with clients throughout Palm Beach and Broward counties. We regularly help buyers and homeowners in communities such as Delray Beach, Deerfield Beach, Highland Beach, Parkland, Coconut Creek, and Boynton Beach.
Beyond South Florida, Reach Home Loans serves borrowers across the entire state of Florida. From Miami to Orlando, Tampa to Jacksonville, and everywhere in between, we provide purchase and refinance options tailored to each market. Whether you’re financing a primary residence, vacation property, or investment home, we have statewide coverage to support your goals.
Why Choose Us?
We have the experience, the social track record, and access to the right resources to get loans done.
What are your goals?
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Boca Raton Home Loans FAQs
How do I get started with a home loan in Boca Raton?
The first step is completing a quick online application or scheduling a consultation with our team. We’ll review your income, assets, and credit to issue a pre-approval letter that shows your buying power. From there, we guide you through choosing the right loan program and preparing documents for underwriting.
What loan programs are available in Florida?
We offer a wide range of mortgage options, including conventional, FHA, VA, jumbo, and non-QM loans. Each program is designed for different borrower profiles, whether you’re a first-time buyer, veteran, or investor. Our loan officers help you compare the benefits, down payment requirements, and long-term costs of each option so you can make an informed choice.
How much do I need for a down payment in Boca Raton?
Down payment requirements vary depending on the loan type and your financial profile. Conventional loans may allow as little as 3% down, FHA requires 3.5%, and VA loans offer zero down for qualified veterans. We’ll also review down payment assistance programs available in Florida that could help reduce upfront costs.
Are condos in Boca Raton harder to finance?
Condos often come with additional reviews related to reserves, insurance, and occupancy rates. Lenders need to confirm that the building is financially stable and compliant with Fannie Mae or FHA guidelines. Our team conducts early condo reviews to identify potential issues and recommend solutions, helping your financing process stay on track.
Can I buy an investment property through Reach Home Loans?
Yes, we work with investors who want to purchase rental properties or second homes across Florida. We offer DSCR loans, conventional investor programs, and non-QM products that rely on rental income or asset statements. By reviewing your investment goals, we can recommend the best structure for financing while keeping cash flow and long-term appreciation in mind.
How long does it take to close a mortgage in Florida?
The timeline varies, but most purchases close in 30–45 days once all documents are submitted. Refinances can often close faster, sometimes in 20–30 days. Our local processing team coordinates with appraisers, title companies, and insurance agents to prevent delays and keep the transaction moving smoothly.
What if I’m self-employed or have non-traditional income?
Self-employed borrowers may not fit into standard W-2 requirements, but we have loan programs designed for those situations. Options include bank statement loans, asset depletion, and profit-and-loss documentation. We’ll work with you to gather the right paperwork and match your profile to the most flexible loan programs.
Do you only serve Boca Raton?
While our office is located in Boca Raton, we serve clients throughout Florida. That includes major cities like Miami, Fort Lauderdale, Tampa, Orlando, and Jacksonville, as well as smaller communities statewide. No matter where you’re purchasing or refinancing, you’ll have access to the same loan programs and personalized service.
