Palm Beach Gardens' world-class golf communities — PGA National, Mirasol, BallenIsles, and Old Palm Golf Club — have created one of Palm Beach County's most consistently active luxury residential markets. JumboLoan.com connects Palm Beach Gardens borrowers with wholesale lending partners for every community and property type.
Palm Beach Gardens Jumbo Loan Guide by Zip Code
Palm Beach Gardens' jumbo market is anchored by its world-class golf communities, the PGA corridor, and north Palm Beach County's coastal and Intracoastal properties. All loan decisions are based solely on creditworthiness, income, assets, and property characteristics — never on neighborhood, zip code, or any protected class.
33418 covers PGA National, Mirasol, and BallenIsles — three of Palm Beach County's most active golf community jumbo markets. PGA National's estate sections, Mirasol's luxury listings, and BallenIsles' renovated estates represent consistent jumbo demand. Asset depletion and bank statement programs available.
33410 covers Old Palm Golf Club — an ultra-exclusive private golf club community — and North Palm Beach Gardens. Old Palm's custom-built estates require super jumbo and portfolio programs. Juno Beach's oceanfront and Intracoastal properties are also in this zip.
33477 covers north Palm Beach Gardens residential communities including Rialto and established neighborhoods adjacent to the Donald Ross Road corridor. Full-documentation and bank statement programs available.
33403 covers North Palm Beach — a small municipality on the Intracoastal waterway with consistent waterfront jumbo demand. Deep-water and Intracoastal properties represent consistent jumbo activity.
33408 covers North Palm Beach coastal communities and Singer Island-adjacent properties. Oceanfront and Intracoastal access drives jumbo demand. Foreign national and bank statement programs available.
33412 covers the Avenir new development and Ibis Golf and Country Club in northwest Palm Beach Gardens. New construction custom homes and golf estate properties have generated increasing jumbo demand. Construction-to-permanent programs available.
Palm Beach Gardens's Jumbo Loan Markets
The JumboLoan.com Process
JumboLoan.com is a mortgage broker — we work on your behalf to match your financing needs with the right wholesale lending partner from our network.
We review your income, assets, credit profile, and property details to identify which jumbo programs across our wholesale lending network you may qualify for. No obligation.
As a broker, we shop your loan across multiple wholesale partners to find the jumbo program — full-doc, bank statement, DSCR, foreign national, or super jumbo — that best fits your situation.
We prepare and submit your complete loan package to the selected wholesale lender. We remain your single point of contact throughout the process.
Once the wholesale lender issues a clear-to-close, we coordinate with your title company and closing attorney. Timelines vary based on loan complexity, property type, and lender requirements.
Palm Beach Gardens Jumbo Loan Programs
Palm Beach Gardens' world-class golf communities and North Palm Beach County coastal markets attract sophisticated borrowers across multiple wealth profiles. All programs are available to any qualified borrower without regard to race, color, religion, national origin, sex, marital status, age, disability, familial status, or any other characteristic protected by law.
Traditional W-2 and tax return verification for salaried borrowers. Typically the most competitive pricing tier available through our wholesale partners.
12 or 24-month bank statement qualification for self-employed borrowers and business owners. Tax returns are not required. Income calculated from deposit patterns.
Financing for ultra-luxury properties in Palm Beach County. Asset depletion, cross-collateralization, and portfolio lending structures available through select wholesale partners.
Available to non-US-citizen borrowers purchasing Palm Beach Gardens properties. Eligibility and documentation requirements vary by wholesale partner. Contact us to review available programs.
Debt-service coverage ratio qualification for investment properties — approval based on the property's rental income potential rather than personal income.
Programs for physicians, dentists, attorneys, and other licensed professionals. May include favorable treatment of student loan debt within DTI calculations.
Palm Beach Gardens Jumbo Mortgage Guide · 2026
A jumbo loan is any mortgage exceeding the 2026 conforming loan limit of $832,750 in Palm Beach County. Palm Beach Gardens' PGA National, Mirasol, BallenIsles, and Old Palm Golf Club represent consistently active jumbo and super jumbo markets within Palm Beach County's northern residential corridor.
Jumbo loans are not purchased by Fannie Mae or Freddie Mac — lenders set their own underwriting guidelines. JumboLoan.com operates as a mortgage broker, accessing multiple wholesale jumbo lenders for Palm Beach Gardens' diverse luxury property types.
The 2026 conforming loan limit for Palm Beach County is $832,750 for a single-unit property. Loans above this require jumbo financing. The FHFA adjusts conforming limits annually.
While each wholesale lender sets its own requirements, most jumbo programs in our network look for the following general profile. These are guidelines only — not a commitment to lend — and individual lender requirements may vary:
Palm Beach Gardens' identity as a world-class golf destination drives its luxury real estate market. The city hosts the PGA of America headquarters and multiple world-class club communities that attract executives, professional athletes, and seasonal residents from across the country. Old Palm Golf Club's ultra-exclusive private membership community represents the most selective tier, while PGA National, Mirasol, and BallenIsles provide a broader luxury tier with consistently active jumbo demand.
As a mortgage broker specializing in jumbo loans, JumboLoan.com provides access to multiple wholesale lenders rather than a single institution's product menu. We compare programs, pricing, and qualification criteria across our network to identify the most suitable option for your transaction. Contact us at 305.317.8475 or complete the form below to get started.
Pre-qualification review available · Programs from $832,751 and above · All Palm Beach Gardens zip codes
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JumboLoan.com is a licensed mortgage broker serving Palm Beach Gardens and Palm Beach County. We connect borrowers with wholesale lending partners for jumbo programs across all Palm Beach Gardens zip codes.
JumboLoan.com is a licensed mortgage broker. NMLS #[YOUR NMLS NUMBER]. We arrange but do not make loans. All loans are subject to credit approval, income verification, asset documentation, and property eligibility requirements established by our wholesale lending partners. Loan program availability, rates, and terms vary by lender and are subject to change without notice. This page is for informational purposes only and does not constitute a commitment to lend or a guarantee of loan approval.
The 2026 conforming loan limit of $832,750 referenced on this page applies to single-unit properties in Palm Beach County and is established by the Federal Housing Finance Agency (FHFA). Multi-unit property limits differ. Limits are subject to annual adjustment. All information is believed accurate as of publication but should be independently verified.
JumboLoan.com is committed to compliance with the Equal Credit Opportunity Act (ECOA), the Fair Housing Act, and all applicable federal and state fair lending laws. We extend credit to all qualified borrowers without regard to race, color, religion, national origin, sex, marital status, age, disability, familial status, or any other characteristic protected by law. If you believe you have been discriminated against in a credit transaction, contact the CFPB at consumerfinance.gov or 1-855-411-2372.