Conventional Loans in West Palm Beach, FL | Bill Liebertz
When you’re ready to buy a home or refinance in West Palm Beach, FL, finding the right mortgage lender is key to getting the best terms and rates. At Bill Liebertz – Mortgage Broker, we specialize in helping homebuyers and homeowners secure Conventional Loans — the most common and trusted type of mortgage financing in the United States.
With years of experience in the Florida real estate market, Bill Liebertz provides personalized loan solutions, expert guidance, and competitive interest rates backed by the strength of major mortgage investors like Fannie Mae and Freddie Mac. Whether you’re buying your first home, moving up to a new property, or refinancing to get a better rate, our team is here to make the process smooth and successful.
Why Homebuyers Prefer Conventional Loans in West Palm Beach, Florida
Conventional loans remain a top choice for many homeowners throughout Palm Beach County — and it’s easy to see why. They combine affordability with flexibility and long-term financial stability.
Here’s why many buyers in West Palm Beach opt for conventional mortgage programs:
- Low down payment flexibility: Eligible borrowers can secure a home with as little as 3% down, making homeownership more accessible.
- Competitive interest rates: Benefit from strong credit and low debt-to-income ratios.
- Flexible property options: Finance primary homes, second homes, or investment properties.
- No Upfront Mortgage Insurance Costs:Unlike FHA loans that require an initial insurance payment, conventional loans don’t have upfront mortgage insurance premiums. If private mortgage insurance (PMI) is needed, it’s only paid monthly — helping borrowers keep their upfront costs lower.
- Easier refinancing: Refinance into better terms or lower rates anytime with fewer restrictions.
At Bill Liebertz – Mortgage Broker, we make the mortgage process simple and stress-free by guiding you every step of the way. Our team helps you choose the right loan program, term, and payment plan tailored to your financial goals — ensuring you make confident, informed decisions.
Types of Conventional Loans
Every borrower’s financial situation is unique, so Bill Liebertz offers multiple Conventional Loan programs to fit different needs.
- Conforming Conventional Loans
These loans follow the conforming limits established by Fannie Mae and Freddie Mac, which currently set the maximum loan amount at $766,550 for most counties across the United States. They provide stable, fixed-rate or adjustable-rate options and are ideal for the majority of homebuyers in Palm Beach County.
- Jumbo Loans
For higher-value properties exceeding conforming limits, jumbo conventional loans offer large financing amounts with competitive rates. They’re popular in upscale areas of West Palm Beach, Palm Beach Gardens, and Boca Raton, where property values often exceed conforming thresholds.
- Fixed-Rate Conventional Loans
Lock in a consistent rate and payment for the life of your mortgage. This loan option offers homeowners peace of mind and predictable monthly payments, making it a preferred choice for those in Florida seeking long-term financial stability.
Benefits of Working with Bill Liebertz for Conventional Loans
As a seasoned mortgage professional in West Palm Beach, Bill Liebertz offers more than just loan products — he provides personalized service, expert insights, and trusted local relationships that make the mortgage process smoother and faster.
Local Market Expertise
We understand the Palm Beach County real estate market, including neighborhood trends, property values, and lending conditions. Whether you’re buying near Downtown West Palm Beach, Northwood Village, or Wellington, we’ll find the loan program that fits your goals.
Access to Multiple Lenders
As an independent mortgage broker, Bill Liebertz works with a vast network of lenders to find the best interest rates and loan terms — saving you time and money.
Streamlined Process
We combine cutting-edge technology with personal guidance to make pre-approvals, applications, and closings fast and efficient.
Transparent Communication
You’ll work directly with a trusted professional from start to finish — no call centers or confusing paperwork. We pride ourselves on honesty, clarity, and consistent communication.
Eligibility Requirements for Conventional Loans
To qualify for a Conventional Loan in West Palm Beach, borrowers typically need to meet certain eligibility requirements, which include the following key criteria:
- Minimum credit score: 620 or higher (higher scores earn better rates).
- Down Payment Requirements:For first-time homebuyers, the down payment can be as low as 3%, while other borrowers generally need between 5% and 20%, depending on their financial profile and loan terms.
- Stable income and employment: Consistent work history and verifiable income.
- Debt-to-Income (DTI) ratio: Typically under 45%.
- Property appraisal: Home must meet conventional appraisal and value standards.
Our team helps review your financial profile and provides step-by-step advice to ensure your application is strong and successful.
The Conventional Loan Process
At Bill Liebertz – Mortgage Broker, we make financing straightforward and stress-free.
- Pre-Approval: We evaluate your income, assets, and credit to determine loan eligibility.
- Home Search: Having a pre-approval gives you a clear advantage — it shows sellers you’re a serious buyer and allows you to confidently explore homes that fit comfortably within your budget.
- Loan Application: We gather documentation and lock in your rate.
- Appraisal & Underwriting: The home is appraised, and we verify all financial information.
- Closing: Review and sign final documents — then get the keys to your new home!
Our local knowledge and lender relationships ensure smooth communication and fast closings across West Palm Beach and Palm Beach County.
Conventional Loan vs. FHA Loan: What’s the Difference?
Many Florida homebuyers compare Conventional Loans with FHA Loans. Here’s the key difference:
- Conventional loans are best suited for borrowers who have strong credit histories and a solid down payment. These loans typically come with lower long-term costs, making them a smart choice for financially stable buyers seeking lasting savings.
- FHA Loans are government-backed and allow lower credit scores and smaller down payments, but include additional insurance premiums.
At Bill Liebertz – Mortgage Broker, we’ll review both options and help you choose the one that best fits your situation.
Areas We Serve Near West Palm Beach
In addition to West Palm Beach, we proudly serve homeowners throughout Palm Beach County, including:
- Palm Beach Gardens, FL
- Lake Worth, FL
- Wellington, FL
- Riviera Beach, FL
- Boynton Beach, FL
- Delray Beach, FL
Whether you’re purchasing your first home, a vacation getaway, or an investment property, Bill Liebertz provides expert local mortgage solutions tailored to your unique needs. His personalized approach ensures every client in West Palm Beach, Florida receives the right financing with ease and confidence.
📞 Call: (845) 820-9585
📧 Email: sharon@gorascal.com
🌐 Website: www.billliebertzmortgage.com
📍 Serving: West Palm Beach, FL and all of Palm Beach County
What Is a Conventional Loan?
A Conventional Loan is a type of mortgage that isn’t insured or guaranteed by any government program like the FHA, VA, or USDA. Instead, it adheres to lending standards established by Fannie Mae and Freddie Mac—two government-sponsored enterprises that help maintain consistency and stability in the mortgage industry.In West Palm Beach, where property values continue to rise, a conventional mortgage provides long-term stability and flexible options for both first-time and repeat homebuyers.
Conforming Conventional Loans
These loans follow the conforming limits established by Fannie Mae and Freddie Mac, which currently set the maximum loan amount at $766,550 for most counties across the United States. They provide stable, fixed-rate or adjustable-rate options and are ideal for the majority of homebuyers in Palm Beach County.
Experience the Difference with Platinum Capital Advisors
_______
Every borrower’s journey is unique. That’s why we tailor loan solutions—whether it’s FHA, VA, Jumbo, or investment loans—to match your personal goals.
_______
We walk you through every step of the process, making sure you feel confident and informed from application to closing.
_______
With a presence across New York, New Jersey, Florida, Tennessee, and North Carolina, we combine national resources with local insight to give you an edge.
_______
At Platinum Capital Advisors, our goal is to build lifelong relationships by being a trusted partner for all your homeownership and investment needs.
Adjustable-Rate Mortgages (ARMs)
These loans begin with a lower introductory interest rate that gradually adjusts over time, offering flexibility for borrowers who plan to refinance or move before the rate changes. They’re great for buyers planning to move or refinance within a few years, offering short-term savings.These loans are available in both conforming and non-conforming (jumbo) limits, offering flexibility for homebuyers across different income levels and property types.
Why West Palm Beach Homebuyers Trust Bill Liebertz
With its stunning oceanfront properties, charming historic districts, and rapidly growing new communities, West Palm Beach stands out as one of Florida’s most sought-after real estate markets for homeowners and investors alike. Local buyers and investors need a mortgage expert who understands not only financing, but also the nuances of the local market.
Bill Liebertz provides:
- Decades of mortgage industry experience.
- Trusted relationships with Palm Beach County real estate professionals.
- Knowledge of local property tax and insurance guidelines.
- A reputation built on transparency, reliability, and results.
- Built on transparency, reliability, and proven results, Bill goes beyond simply providing loans — he becomes your trusted partner, guiding you through every step of your financial journey with care and expertise.
We are known for
Personalized Mortgage Solutions
Diverse Financing Options
Fast & Transparent Process
Comprehensive Loan Programs
"FAQs"
We offer a wide range of programs including FHA, VA, Conventional, Jumbo, DSCR, Fix & Flip, Renovation Loans, Bank Statement Loans, Non-QM, USDA, Reverse Mortgages, Adjustable Rate Mortgages, Purchase Loans, and Refinance options.
Not at all. Many of our programs, such as FHA, VA, and Non-QM loans, are designed for borrowers with lower credit scores or unique financial situations. We’ll work with you to find the best option for your circumstances.
We are licensed in New York, New Jersey, Florida, Tennessee, and North Carolina. Within these states, we serve areas like the Hudson Valley, Long Island, Bergen County, Miami, Nashville, Charlotte, and more.
Our team will evaluate your financial goals, income, credit history, and property type to recommend the loan program that fits your needs best. We believe in personalized solutions, not one-size-fits-all lending.
The timeline can vary depending on the loan type and your unique situation, but most loans close within 30–45 days. We focus on a smooth, efficient process with clear communication every step of the way.
Start Your Homeownership Journey Today
Ready to purchase or refinance with a Conventional Loan in West Palm Beach, FL?
Get in touch with Bill Liebertz – Mortgage Broker for a free consultation and a customized rate quote. We’ll match you with the right loan for your goals and support you at every step—from pre-approval all the way to closing.
