Southeast Florida & Treasure Coast Home Loans
This is where South Florida becomes affordable again. Push north and west of the Palm Beach coast and you find Port St. Lucie's Treasure Coast value (40–50% below Palm Beach for similar amenities), Westlake, the county's first brand-new city in six decades, and Parkland's top-rated family estates. It's the region for buyers who want the Southeast Florida lifestyle, Atlantic access, A-rated schools, new construction, without Miami or Palm Beach island pricing. I finance across St. Lucie, Palm Beach, Broward, and southern Miami-Dade, with the honest all-in cost, including the insurance that matters on this coast. NMLS #233747.
Southeast Florida at a Glance
Port St. Lucie
The Treasure Coast value play, 40–50% below Palm Beach, ~210K residents, Brightline coming
Westlake
Palm Beach County’s first new city in 60 years (est. 2016), master-planned, conventional to jumbo
Parkland
Top-rated Broward family estates, jumbo territory
Boynton Beach
Palm Beach coastal access at a relative value, conventional & jumbo
Homestead
Southern Miami-Dade affordability, FHA & conventional
Counties
St. Lucie / Palm Beach / Broward / Miami-Dade limits, pulled live from the loan-limits module
Conforming limit: $832,750 • FHA $603,750 (St. Lucie) / $667,000 (Palm Beach, Broward, Miami-Dade) • pulled live from the loan-limits module
Today’s Purchase Mortgage Rates
Live pricing from the same daily rate feed shown on our Today’s Rates page. These update automatically each day.
Conventional 30-Year Fixed
Conventional – Primary Residence
FHA 30-Year Fixed
FHA – Primary Residence
VA 30-Year Fixed
VA – Primary Residence
Rate Assumptions
Purchase, 30-yr fixed, $300K Loan, $400K Value, Credit 759
APR & Disclosures
The Annual Percentage Rate (APR) shown reflects the cost of credit over the loan term, including applicable fees, and is based on the assumptions above. Your actual rate and APR depend on your credit profile, loan amount, property, occupancy, and other factors. For information purposes only and does not constitute a loan approval or commitment to lend. Rates are subject to change without notice.
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Port St. Lucie — the Treasure Coast value play (FHA, conventional & VA)
Port St. Lucie is Southeast Florida's secret weapon: a city of 210,000+ on the Treasure Coast between Palm Beach and Vero Beach, where homes run 40–50% below Palm Beach County for similar (often newer) construction and amenities. New construction under $400K, master-planned communities like Tradition (A-rated schools, town center, resort amenities) and the golf community of Tesoro, 15 minutes to Atlantic beaches and the St. Lucie River, and the coming Brightline station all make it a genuine relocation magnet, buyers from the Northeast routinely find they save $2,000+ a month versus where they came from, helped by Florida's no state income tax. Under the $603,750 St. Lucie FHA limit, FHA (3.5% down) reaches most of the market, while conventional suits move-up and second-home buyers and VA serves the area's veterans.
Westlake — Palm Beach County's newest city (conventional & jumbo)
Westlake is one of Florida's most interesting stories: when Palm Beach County approved it in 2016, it was the first new city incorporated there in over 60 years, 4,500 acres of former agricultural land planned from the ground up, and by 2024 it was among the state's fastest-growing (300%+ growth), projected to house 20,000+ residents with new schools and over 1,000 acres of preserved land. Communities like Arden and Minto's developments offer brand-new infrastructure and A-rated schools along SR-7/US-441, with commutes into Palm Beach, Broward, and even Miami-Dade. Many homes fall within the $832,750 Palm Beach conforming limit (conventional), while the largest floor plans (3,000–4,500 sq ft with golf views) cross into jumbo.
Parkland — Broward's top-rated family estates (jumbo)
Parkland is one of Broward County's most sought-after family addresses, known for top-rated schools, low density, and larger newer homes, which puts much of it into jumbo territory above the $832,750 conforming limit, with conventional for homes under it. (A note for accuracy: Parkland sits in Broward County, FHA limit $667,000, not Palm Beach, though both share the same cap.) Buyers here are typically established professionals and dual-income families prioritizing schools and space, and documenting the full income picture, including bonuses and equity comp, is the key to qualifying.
Boynton Beach & Homestead — coastal and southern value (conventional, jumbo & FHA)
Boynton Beach offers Palm Beach coastal access, Intracoastal and beach proximity, at a relative value versus the island towns, a conventional and jumbo market depending on price point. Homestead, at the southern end of Miami-Dade near the Everglades and Keys gateway, is one of the most affordable entries into the Miami metro, a strong FHA and conventional first-time market well under the $667,000 Miami-Dade FHA limit. Both benefit from the region's no-income-tax draw, and both are coastal-adjacent enough that I build the insurance estimate into your pre-approval.
Loan Programs across Southeast Florida
FHA
3.5% down, the first-time entry in Port St. Lucie and Homestead; limits $603,750 (St. Lucie) / $667,000 (Palm Beach, Broward, Miami-Dade).
Conventional
3–5% down, PMI cancels at 20% equity; the regional default.
Jumbo
For Parkland estates, Westlake’s largest homes, and Boynton waterfront above the conforming limit.
VA
Zero down, no PMI, for the region’s veterans.
DSCR / Investment
Qualifies on rental income for the coastal rental market; no cap on properties.
Southeast Florida Mortgage FAQ
Why is Port St. Lucie so much cheaper than Palm Beach?+
What county is Parkland in, and what’s the loan limit?+
Is Westlake a good place to buy new construction?+
How much can I save relocating to the Treasure Coast?+
Do I need flood insurance in Southeast Florida?+
Is Homestead a good first-time buyer market?+
What is the conforming loan limit in Palm Beach and Broward counties?+
Do you finance all of Southeast Florida and the Treasure Coast?+
Emmett Clark — NMLS #233747
I finance across Southeast Florida and the Treasure Coast, Treasure Coast value in Port St. Lucie, a new Westlake home, a Parkland estate, coastal Boynton Beach, or affordable Homestead, with the honest all-in cost, including the insurance that matters on this coast. It starts with a quick conversation.
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Buying in Southeast Florida or the Treasure Coast?
Tell me the area and what you're after, Treasure Coast value in Port St. Lucie, a new Westlake home, a Parkland estate, or affordable Homestead, and I'll give you the real numbers, tell you which loan fits, and get you pre-approved. Quick response, no obligation.
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Why Contact Emmett?
- ✓ Local Southeast Florida market expertise
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