Business Details
25 Years
experience
Your Trusted Mortgage Partner in West Palm Beach
At Palm Beach Mortgage Group, we pride ourselves on treating each client as an individual, not a number. Since our founding in 2001, we have leveraged over three decades of combined industry experience to deliver personalized mortgage solutions tailored to each borrower's unique needs. Our team of seasoned professionals works with a diverse network of A-rated lenders, ensuring access to competitive rates and flexible loan programs. We specialize in conventional, FHA, VA, jumbo, and commercial loans, as well as cash-out refinancing and reverse mortgages.Our commitment to transparency, exceptional customer service, and local market expertise has earned us a reputation as a trusted partner in Florida's mortgage industry. With a focus on Palm Beach County and statewide service capabilities, we guide clients through every step of the lending process, from pre-approval to closing, ensuring a seamless and stress-free experience.
Services
Conventional Loans
FHA Loans
VA Loans
Jumbo Loans
Home Equity Lines
Commercial Loans
Cash Out Refinance
Reverse Mortgages
Mortgage Refinancing
First Time Home Buyer Programs
Details
- Year established: 2001
Highlights and features
- We offer personalized mortgage solutions tailored to individual financial situations.
- Our team has over 30 years of combined experience in the mortgage industry.
- We work with 100+ lenders to secure competitive rates for our clients.
- We specialize in complex loan scenarios including cash-out refinancing and reverse mortgages.
- Our local expertise serves Palm Beach County and all of Florida.
What people say
Top notch service
Amazing team
Highly recommend
Lightning quick processing
Made the impossible possible
Services
Mortgage Refinancing
Our mortgage refinancing services help homeowners lower monthly payments, access equity, or adjust loan terms. We offer competitive rates on conventional refinancing, cash-out options, and specialized programs for unique situations. With local market expertise and a network of lenders, we streamline the process to meet individual financial goals efficiently.
FHA Loans
We specialize in FHA loans with low down payment requirements and flexible credit standards. Our team guides first-time buyers through the process of securing 3.5% down payment loans, including options for home improvement financing. We help clients understand benefits like included closing costs and lenient underwriting requirements.
VA Loans
Our VA loan program offers zero-down financing for eligible veterans and service members. We provide expert guidance on benefit utilization, including specialized programs for disabled veterans. Our team handles all aspects of the VA loan process, from eligibility verification to closing, ensuring maximum benefit utilization.
Cash Out Refinance
We offer cash-out refinancing solutions for homeowners seeking to leverage property equity. Our programs accommodate owner-occupied, investment properties, and low-documentation scenarios. We help clients understand tax-deductible benefits and structure loans to optimize financial outcomes while maintaining competitive rate offerings.
Conventional Loans
Our conventional loan programs provide flexible terms from 10-30 years with competitive rates. We offer options without upfront mortgage insurance and allow PMI cancellation at 20% equity. Our team specializes in helping clients with varied credit profiles navigate conventional financing requirements successfully.
People
Suzanne Downs-Buono
President & Mortgage Loan Originator
With 30+ years of mortgage industry experience, Suzanne founded Palm Beach Mortgage Group in 2001. She specializes in customized loan solutions and maintains NMLS #289859 certification. Her expertise in complex mortgage scenarios has earned multiple industry accolades.
Alina Hoge
Loan Processor
As a certified mortgage loan originator (NMLS #1770483), Alina brings extensive processing expertise to our team. She ensures smooth loan execution from application to closing, maintaining exceptional client communication throughout the mortgage journey.
Ashleigh Sasser
Loan Partner
Ashleigh contributes specialized knowledge in mortgage product selection as a licensed loan originator (NMLS #1861127). She works closely with clients to identify optimal financing solutions while maintaining a focus on personalized service delivery.
Chelsea Howell
Business Development Manager
Chelsea manages strategic partnerships and client relationships with her mortgage originator expertise (NMLS #1262454). She focuses on connecting real estate professionals with reliable mortgage solutions through collaborative networking initiatives.
Michael Buono
Mortgage Loan Originator
Michael provides direct mortgage origination services with NMLS #1068190 certification. He specializes in guiding clients through loan options while maintaining a commitment to transparent communication and ethical lending practices.
Questions
What mortgage loan types do you offer?
We offer conventional, FHA, VA, jumbo, home equity lines, commercial loans, cash-out refinancing, and reverse mortgages tailored to Florida borrowers' needs.
Can I get pre-approved before house hunting?
Yes, we provide fast pre-approvals within 10-15 minutes to help buyers confidently shop for homes with clear budget parameters.
Do you work with first-time homebuyers?
Absolutely. We specialize in first-time buyer programs including low down payment options and down payment assistance guidance.
How quickly can you close a mortgage?
Our average closing time is under 30 days, with record closings achieved in as little as 17 days for qualified borrowers.
What areas do you serve?
We primarily serve Palm Beach County with statewide Florida lending capabilities through our network of local partners.
Can I refinance with bad credit?
We work with diverse credit profiles and focus on recent payment history. Our team helps clients explore all refinancing options regardless of past credit challenges.
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