Buying a house or townhome
Compare conventional mortgage options with your down payment, income documentation and expected ownership costs in view. An association's dues belong in the conversation even when the property is a detached house.
Boca Raton
Mortgage Broker
Bennett Capital Partners Mortgage Brokers helps you compare financing for a Boca Raton home, condominium or refinance. Bring the property details so we can discuss the mortgage alongside association costs, other ownership obligations and the cash you want to retain.
Serving Boca Raton from 1101 Brickell Ave Ste 800, Miami, FL 33131. Company NMLS #2046862.
We are a mortgage broker. The lender determines approval, terms and property eligibility.
Home loans for your Boca Raton property
The mortgage should fit both the property and the way you plan to use it. Tell us whether you are buying a primary residence, a second home or an investment property. If you already own the home, start with what you want a refinance to accomplish.
Considering a larger loan
Our jumbo mortgage page explains the income, asset and property review. Share any planned membership payment, renovation spending or other large expense before deciding how much cash to put down. Funds committed elsewhere may change the financing discussion.
Purchasing a condominium
A borrower's qualifications and a condominium project's eligibility are separate questions. Start a condo financing review with the unit address and association contact. The lender determines which project records, insurance documents and financial information are required.
Refinancing an existing mortgage
Compare refinance options against a specific goal: changing the payment, loan term or available equity. Include closing costs and the time you expect to keep the loan. A lower monthly payment alone does not establish a lower total cost.
Compare two properties beyond the asking price
Two Boca Raton listings can have similar prices and very different cash requirements. Use the checklist below for each address: record the amount, whether it is upfront or recurring, when it is due and the document confirming it. Compare the completed lists side by side. Mark an unconfirmed cost as unknown, not zero.
| Cost or obligation | What to confirm | Where to obtain it |
|---|---|---|
| Down payment and loan costs | Cash due at closing, deposits already paid, lender credits and any points. | Loan Estimate and the closing professional's figures. |
| Association dues and assessments | Recurring charges, separate associations, approved assessments, payment dates and responsibility at closing. | Association or management documents, with contract and title questions reviewed by the appropriate professional. |
| Club or membership obligations, if any | Whether membership is required, any upfront payment, recurring dues and the applicable written terms. | Current community and club documents. Ask your attorney to clarify obligations that are unclear. |
| Property taxes and other assessments | A purchase-specific tax estimate and any non-ad valorem charges applicable to the parcel. | Palm Beach County Property Appraiser records, tax bill and the assessing authority. |
| Insurance | Property-specific premiums, deductibles and coverage. For a condo, distinguish association coverage from the unit policy. | Insurance professional and association, with lender requirements confirmed separately. |
| Cash remaining after closing | Money left after closing costs and other planned payments, including lender-required reserves where applicable. | Your documented funds and the lender's reserve requirements. |
Confirm any membership requirement in the community's current documents. Do not use another listing's fee schedule as the budget for the home you are buying. Ask when each verified expense is due and whether it is already included elsewhere so you do not count it twice.
Check the address before requesting property records
A Boca mailing address is not proof of city jurisdiction
The City's residency guidance explains that some Boca Raton mailing addresses are outside City limits. Use the map as a starting point, then confirm the property's jurisdiction with the responsible office before requesting permit records or planning improvements.
For City properties, Boca eHub provides searches for permits, plans, code cases and inspections. Older inactive records may require a City public records request. For an unincorporated parcel, use the county department listed in the Property Appraiser's permit-office directory. Ask that office about unresolved record questions. A permit search does not replace a property inspection or lender review.
Build the tax budget for the purchase
The seller's tax bill is useful background, but it is not a reliable forecast of your bill. The Property Appraiser's assessment-cap guidance explains how ownership changes affect assessments. Discuss your purchase and any exemption or portability questions with that office rather than assuming the seller's treatment carries over.
Also check non-ad valorem assessments, which are charges not based on property value. Identify the actual parcel charges, payment schedule and any payoff question. Give the documents to your title professional and mortgage team early; do not assume every charge transfers or is handled the same way.
Compare the mortgage and the cash you retain
Once the property expenses are clearer, compare loan options using the same purchase price, occupancy and expected closing date. Ask how changing the down payment affects the loan amount, mortgage insurance where applicable, costs and remaining funds.
A larger down payment leaves less money available for other uses. Keeping more cash can mean borrowing more and accepting different loan costs or requirements. Do not count the same money twice: once for a planned membership payment or improvement budget, and again as funds that must remain available for a lender's reserve requirement.
Use the CFPB Loan Estimate guide to compare the interest rate, loan features, origination charges and estimated cash to close. Check which taxes, insurance or assessments are outside the escrow payment. Your ownership budget should include those direct payments too.
Work with Bennett Capital Partners
Bennett Capital Partners Mortgage Brokers works with multiple wholesale lenders to help borrowers compare financing options. We discuss the property, intended use, income documentation and available funds, then help coordinate the mortgage process. The selected lender makes the underwriting decision.
Bring the facts you have, and flag what is missing
For the first conversation, have the property address or listing, purchase or refinance goal, target timing and any known association or membership charges. For a refinance, have your current mortgage terms available. Use our inquiry form for a brief description, not financial documents or account numbers.
If the association has not supplied a fee schedule or a permit question remains open, say so. We can discuss how that missing information affects the financing review while you obtain confirmation from the responsible party. A preliminary conversation is not a loan approval.
Our office is in Miami. We serve Boca Raton borrowers from 1101 Brickell Ave Ste 800, Miami, FL 33131; this page does not represent a Boca Raton branch.
Client reviews on Google.
Use the previous and next review buttons, swipe, or use the left and right arrow keys to browse reviews. Home goes to the first review; End goes to the last.
★★★★★
“He was very responsive and followed the deal all the way through closing.”
Michael BladornGoogle review
Read on Google ★★★★★
“Clear communication, strong execution, and real expertise.”
Michael BrownGoogle review
Read on Google ★★★★★
“Phil Bennett of Bennett Capital Partners Mortgage went the extra mile when approving my loan.”
Glenn TortosoGoogle review
Read on Google ★★★★★
“What truly stood out was their deep knowledge of the Miami real estate market, particularly in condominium financing.”
Amanda ParradoGoogle review
Read on Google ★★★★★
“He is professional, has the right resources to make things happen quickly.”
Angie PfeffingerGoogle review
Read on Google ★★★★★
“I highly recommend using Phillip and his team if you have an investment property you need financed or refinanced.”
Laura toppazziniGoogle review
Read on Google Selected excerpts from firmwide Google reviews. These are not presented as Boca Raton transactions. Read the linked reviews for full context.
Individual experiences vary. Testimonials do not guarantee approval, terms, rates or results.
Boca Raton mortgage questions
Do you have a mortgage office in Boca Raton?
No. Bennett Capital Partners Mortgage Brokers serves Boca Raton from our Miami office on Brickell Avenue. Contact us to discuss financing for your Florida property.
Can I compare loan options before choosing a home?
Yes. Start with your intended use, approximate purchase budget and available funds. Once you identify a property, update the discussion with its actual taxes, insurance, association obligations and, for a condo, project information. An initial budget does not establish that every property will qualify.
Does a club payment count as part of my down payment?
Do not assume it does. Identify the payment separately and provide the written terms. Ask the lender and closing professional how it affects your transaction and remaining funds. Required membership, optional membership and association charges should not be treated as interchangeable.
Can a strong borrower still encounter a condo financing issue?
Yes. The lender also reviews the property and, when required, the condominium project. Provide the building information early rather than treating borrower pre-approval as confirmation of project eligibility.
How should I compare a mortgage broker with a bank?
Ask which options are available for your property and documentation, then compare written loan terms, costs and service. A broker can work with multiple lenders, while a bank offers its own lending options. Neither label guarantees the lowest rate or approval. Bennett Capital Partners acts as a mortgage broker, not as the lender.
Where should I check permits for a Boca Raton address?
Confirm the jurisdiction first. Boca eHub is the City of Boca Raton's system; the county permit office is the starting point for unincorporated Palm Beach County properties. Use the official directory above and ask the responsible department about the records for your parcel.
Meet Philip Bennett
President and Founder | NMLS #1098318
Bennett Capital Partners Mortgage Brokers serves Boca Raton from its Miami office. Discuss your purchase or refinance goals, property type and financing questions with our team.
Tell us about your Boca Raton plans.
Share a property address if you have one, what you want to do and your expected timing. We can discuss which financing options may fit and what information a lender will need.
Prefer to talk?
305-507-9957
Please do not send Social Security numbers, account numbers or financial documents through this form. An inquiry is not a loan application or a commitment to lend.
Resources for your next step
Considering a property farther north? Our West Palm Beach mortgage guide includes a worksheet for planned improvements, city review questions and the financing discussion.
Palm Beach County Property Appraiser tax calculatorMeet Philip BennettConsidering property in Fort Lauderdale?Explore our Florida service areasDirections to our Miami office
Financing is subject to borrower, property and lender review. This page provides general preparation guidance. Obtain property-specific advice from the responsible government office and appropriate legal, tax and insurance professionals.
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