Lendtrain offers mortgage refinance rates in Palm Beach County. Licensed as Lendtrain (NMLS# 1844873). Wholesale rates for conventional and VA loans. No credit check for your quote.

Refinance Your Palm Beach County Home

Palm Beach County pairs the highest median household income of Florida's large counties — $83,581 (U.S. Census Bureau, ACS 2024 5-year) — with a price index up roughly 71% since 2020 (FHFA All-Transactions House Price Index via FRED, annual 2025). The result is some of the state's largest equity cushions, and its most frequent which-side-of-the-jumbo-line questions.

NMLS #1844873 | Equal Housing Opportunity

$1B+
In Mortgages Funded
10
States Licensed
30s
To Your Rate
Free
Free Rate Quote

Why Refinance in Palm Beach County With Lendtrain

See how Lendtrain helps Palm Beach County homeowners save on their mortgage refinance.

The Jumbo Question, Answered Early

Palm Beach County's 2026 one-unit conforming limit is $832,750 (FHFA, announced November 2025), and Boca Raton, Jupiter, and Palm Beach Gardens refinances cross it routinely. Which side your scenario lands on changes the documentation ask, so we establish it in the first 30 seconds, not at underwriting.

70.1% Owner-Occupancy

424,264 of the county's 605,430 occupied homes are owner-occupied (U.S. Census Bureau, ACS 2024 5-year) — a high rate for coastal Florida, and it matters because primary residences generally receive the most favorable refinance pricing tier.

Cushions Measured in Six Figures

Against a typical county value of $467,365 (Zillow Home Value Index, April 30, 2026) and a roughly 71% index gain since 2020 (FHFA via FRED), many longtime Wellington and Delray Beach owners hold equity positions large enough that even conservative loan structures leave substantial cushion in place.

Seasonal Residents Welcome

Plenty of Palm Beach owners are five-months-a-year residents. Second-home refinances are normal business here — they price differently than primary homes, and we say so up front rather than letting the quote drift at the end.

How It Works

No paperwork, no waiting on hold. Get a real rate quote, see your estimated closing costs, and find out how much you could save — in four simple steps.

  1. Enter Your Mortgage Details

    Answer a few quick questions about your current mortgage — or upload your mortgage statement and we'll pull your rate, balance, and loan type automatically.

  2. Get Your Rate Quote

    We pull live wholesale rates based on your exact scenario. No guessing — real numbers.

  3. See Your Monthly Savings

    See exactly how much you could lower your monthly mortgage payment, your breakeven timeline on closing costs, and total interest savings over the life of the loan.

  4. Lock Your Rate and Apply

    Ready to lock in your refinance rate? Apply online in minutes — no branch visit required.

Takes about 30 seconds. No credit check for your quote.

Frequently Asked Questions About Palm Beach County Refinancing

Is my Palm Beach County refinance going to be a jumbo loan?
Only if the new loan tops $832,750, the 2026 FHFA one-unit conforming limit for Palm Beach County (announced November 2025) — at a conservative loan-to-value, that happens on homes worth roughly a million dollars and up, a bracket that is common east of I-95 and in the golf communities. Jumbo programs typically want stronger credit, lower debt ratios, and more reserves; some borrowers deliberately size the loan at the limit and leave the difference as equity.
I winter in Delray Beach and summer up north — how is my refinance priced?
As a second home, most likely — occupancy is set by how you actually use the property, not by which address gets your mail. Second-home pricing sits between primary-residence and investment-property tiers, and misstating occupancy is mortgage fraud, so we ask plainly and quote the right tier from the start. Palm Beach's seasonal pattern is exactly why the county's owner-occupancy runs at 70.1% rather than higher (Census ACS 2024 5-year).
What are Palm Beach County owners doing with their equity?
The recurring uses at this county's income level — $83,581 median household income, the highest of Florida's big counties (Census ACS 2024 5-year) — are renovations on 1980s-era homes (the county median build year is 1986, same source), consolidating expensive non-mortgage debt, and helping family with purchases. Whether any of those justifies a new loan depends on your existing rate and term; the cash-out refinance page walks through that comparison.
Palm Beach values slipped 2.8% this year — does that erase my cushion?
For most longtime owners, no: a 2.8% one-year decline in the typical value to $467,365 (Zillow Home Value Index, April 30, 2026) is small against the county's roughly 71% gain since 2020 (FHFA via FRED, annual 2025). It mostly matters at the margin — a scenario quoted near a loan-to-value breakpoint can shift tiers on a soft appraisal, so we quote from current values, not peak ones.
Which Palm Beach County communities does Lendtrain work in?
West Palm Beach, Boca Raton, Boynton Beach, Delray Beach, Jupiter, Palm Beach Gardens, Wellington, Royal Palm Beach, Lake Worth Beach, and the unincorporated communities in between — the whole county. Statewide items like Florida's documentary stamp taxes and closing practice live on the Florida refinance page.

Market facts on this page were last reviewed on . Each statistic is attributed to its source where it appears.

Related Refinance Pages

Check Your Florida Mortgage Refinance Rate

Check your Florida mortgage refinance rate in about 30 seconds. Wholesale rates from a licensed mortgage broker (NMLS# 1844873). No credit check for your quote. Free rate check.

Check rates →

Jumbo Refinance — For Loans Above the Conforming Limit

Jumbo refinance rate check in about 30 seconds. Licensed mortgage broker (NMLS# 1844873). For loans above the FHFA conforming limit. Free rate quote.

Check rates →

Cash-Out Refinance — Check Your Rate in 30 Seconds

Check cash-out refinance rates in about 30 seconds. Licensed mortgage broker (NMLS# 1844873). No credit check for your quote. See estimated cash available.

Check rates →

Refinance Your Broward County Home

Broward's median home was built in 1980 (Census ACS 2024), and its condo associations are funding decades of deferred work. A Fort Lauderdale-area guide to paying for assessments, repairs, and re-running equity after a 4.6% value dip (Zillow).

Check rates →

Ready to Check Your Palm Beach County Rate?

Conforming or jumbo, primary or seasonal — find out which tier your Palm Beach scenario prices in.

Your information is encrypted and never sold. No SSN required.

NMLS #1844873 | Equal Housing Opportunity

Rate quotes are estimates based on the credit score you provide. Actual rates may differ based on verified credit, income, and property details.

Lendtrain (NMLS# 1844873) is licensed to originate mortgages in Florida. NMLS# 1844873.