The 2026 conforming loan limit for Palm Beach County is $832,750. In Boca Raton, that number is not a ceiling — it is a starting point. The newest GL Homes community in West Boca, Lotus Edge, offers homes from $1.4 million to $3 million. The Alina Residences downtown — one of the city’s signature condominium addresses — starts its two-bedroom units well above the conforming limit. The luxury single-family benchmark in Boca Raton is $1.2 million, and the December 2025 median luxury sale price was $2,192,500, up 9.6% year-over-year. A buyer putting 20% down on the median luxury sale still needs a $1.75 million loan — more than twice the Jumbo threshold.
What distinguishes the Boca Raton Jumbo market from other South Florida markets is its three-tier structure. East Boca’s waterfront neighborhoods — Royal Palm Yacht & Country Club with its $11.97 million median listing, The Sanctuary with its Intracoastal canal estates, and the oceanfront corridor — are Super-Jumbo markets where the standard Jumbo tier is the entry point. Central Boca’s professional buyer — the Office Depot executive, the FAU Research Park tech founder, the hospital administrator — is squarely in the $1 million to $3 million Jumbo range. West Boca’s family buyers in Boca Bridges, Lotus Palm, and Lotus Edge are often surprised to find themselves in Jumbo territory — but a $1.6 million GL Homes purchase with 15% down requires a $1.36 million loan, and that is firmly Jumbo regardless of how suburban the zip code feels.
Ryan Lehrman, NMLS #235295, structures Jumbo mortgage financing for all three of Boca Raton’s market tiers — with program depth, documentation fluency, and a direct relationship that does not transfer to a junior processor midway through the transaction.
A Jumbo mortgage is any loan exceeding the FHFA conforming limit for the county in which the property is located. In Palm Beach County, that limit is $832,750 for 2026. Loans above this threshold are not eligible for purchase by Fannie Mae or Freddie Mac and are underwritten by lenders according to their own portfolio guidelines. This is why Jumbo program terms — credit requirements, income documentation standards, down payment structures, reserve requirements — vary significantly between lenders.
In Boca Raton’s market, the practical difference between working with a lender who specializes in Jumbo financing and one who treats it as an occasional product is real. Pre-approvals carry different weight with listing agents. Documentation requests are handled more efficiently. And when a complex income structure — an equity compensation package, a business distribution, a concentrated investment portfolio — needs to be translated into qualifying income, the lender’s experience is the determining factor.
Key Features of Boca Raton Jumbo Loans:
Loan amounts from $832,751 through $3 million and above
Fixed-rate (15, 20, and 30-year) and adjustable-rate (5/1, 7/1, 10/1 ARM) options
Primary residence, second home, and investment property programs
W-2, self-employed, bank statement, and alternative income documentation
Credit requirements typically 700+ for standard programs, higher for larger amounts
Reserve requirements: 6 to 18 months PITI, scaling with loan size
Available for single-family homes, condominiums, townhomes, and new construction
The primary Jumbo tier for Boca Raton covers the market’s widest segment: West Boca new construction in Boca Bridges ($900,000 to $2.5 million), Lotus Edge ($1.4 million to $3 million), Royal Palm Polo, and Berkeley; Central Boca professional residences in the Alina Residences, Tower 155, and surrounding neighborhoods; and the entry tier of East Boca’s established waterfront communities where transactions begin at $1 million and climb from there. This program accommodates W-2 income, equity compensation from the Boca Raton business community, and fixed investment income with standard documentation.
Purchases in Royal Palm Yacht & Country Club, The Sanctuary, Le Lac, and Boca’s Intracoastal estate corridor routinely exceed $3 million — and in the case of Royal Palm, the median listing price is nearly $12 million. A dedicated Super-Jumbo page covers the programs available for Boca Raton’s upper-tier waterfront market in full detail, including asset depletion, portfolio lending, and executive income documentation.
Physicians at Baptist Health Boca Raton Regional Hospital and affiliated practices frequently require Jumbo financing given Boca’s price structure — but carry student loan obligations and new contract income structures that standard Jumbo underwriting is not designed to accommodate. Physician Jumbo programs extend the benefit structure of physician lending — IBR student loan treatment, contract income verification, no PMI — to loan amounts above $832,750. A dedicated Physician page covers these programs in full.
Boca Bridges
GL Homes' flagship West Boca community, Boca Bridges features more than 500 luxury single-family homes across five collections, with floor plans ranging from 2,561 to 8,101 square feet under air. The community's 27,000-square-foot clubhouse, resort-style pool complex, tennis and pickleball courts, and 24/7 manned gate make it one of the most amenity-complete new construction communities in Palm Beach County. Home pricing ranges from approximately $900,000 to $2.5 million depending on collection, size, and lot location — placing virtually every financed purchase in Jumbo territory.
Lotus Edge
GL Homes' newest and most sophisticated West Boca community, Lotus Edge is located near Glades Road and Lyons Road in West Boca Raton, extending the Lotus brand that began with Lotus and continued through Lotus Palm. Homes are priced from $1.4 million to $3 million and feature fully contemporary architecture, expanded standard features over prior Lotus communities, and the brand's most impressive clubhouse to date. Every financed purchase at Lotus Edge requires Jumbo financing.
Lotus Palm
The second Lotus community by GL Homes, largely sold out and now transitioning to resale. Completed homes in Lotus Palm trade in the $1.5 million to $2.5 million range and remain in high demand from buyers who want the Lotus contemporary aesthetic with an established community environment. Resale purchases here are solidly Jumbo.
Royal Palm Polo
A gated luxury community in West Boca featuring Mediterranean-inspired estate homes on spacious lots. Pricing ranges from approximately $1.5 million to $3.5 million for new construction and resale estates, with larger homesites and a more traditional architectural character than the Lotus or Boca Bridges communities.
Alina Residences
Downtown Boca Raton's signature luxury condominium address, Alina Residences offers residences starting in the mid-$700,000s and extending above $3 million for penthouse and upper-floor units. The project is located adjacent to Mizner Park — Boca's premier lifestyle destination — and represents the urban luxury residential tier that is emerging in Central Boca alongside downtown mixed-use redevelopment. New and resale units in the Jumbo tier are actively transacting.
The Oaks
One of Boca's premier country club communities, notable for being one of the only major communities with no membership initiation fee or mandatory dues — a meaningful differentiator in a market where membership costs at other communities can reach $400,000 and above. Estate homes in The Oaks range from $1.5 million to $5 million, with Jumbo financing required across the range.
Woodfield Country Club and St. Andrews Country Club
Established Boca Raton country club communities in the $1 million to $4 million range for single-family estate homes. St. Andrews carries initiation fees in the $400,000-plus range for full membership. Both communities require Jumbo financing for the overwhelming majority of transactions.
Specific Jumbo expertise across Boca Raton's three market tiers — West Boca new construction, Central Boca professional, and East Boca waterfront
Documentation depth for equity compensation, business distributions, and investment income structures common in Boca's buyer profile
Documentation depth for equity compensation, business distributions, and investment income structures common in Boca's buyer profile
One-Time Close Construction Jumbo for GL Homes communities and East Boca teardown projects
Direct relationship with Ryan Lehrman from pre-approval through close
Ryan Lehrman, NMLS #235295
Credit Profile: Standard Jumbo programs require a minimum 700 to 720, with best pricing available at 740 and above. Super-Jumbo programs typically require 720 to 740 minimum. Boca's buyer base tends to have strong credit, but complex income structures require careful program matching regardless of score.
Income Documentation: W-2 and pay stubs for salaried borrowers. Two years of personal and business tax returns for self-employed and partnership income. Bank statement programs (12 or 24 months) for business owners and high earners with significant deductions. Asset depletion for investment-wealth buyers.
Down Payment: Standard Jumbo programs typically require 10% to 20% depending on loan amount and credit profile. Loans above $2 million generally require 20% to 25%. Physician programs allow lower down payments without PMI.
Reserves: 6 to 12 months PITI for standard Jumbo programs, increasing with loan amount. Investment portfolios and retirement accounts typically count toward reserve requirements at a percentage of market value.
Consultation and Pre-Approval — A private review of your income structure, target community, and loan amount, resulting in a fully underwritten pre-approval. In Boca's competitive luxury communities, particularly in West Boca new construction where GL Homes manages its own sales process, a credible pre-approval from day one is not optional.
Program Selection — Based on loan amount, income type, and property — fixed or adjustable rate, standard documentation or alternative, W-2 or business owner pathway — Ryan identifies the right program before application.
Documentation Assembly — Jumbo documentation requirements are specific and program-dependent. Ryan prepares a clear documentation checklist based on income type and assembles the package to move through underwriting cleanly.
Property Review and Appraisal — Boca Raton luxury appraisals require appraisers with experience in the specific community. West Boca new construction communities use builder-adjacent comparable sales. East Boca waterfront properties require canal-access and Intracoastal-specific comparable analysis.
Clear to Close — Ryan stays in communication through underwriting conditions and coordinates the closing timeline with the buyer's agent, builder, or title company.
Because Boca Raton's desirable neighborhoods are priced above the $832,750 conforming limit at nearly every meaningful price point. A buyer putting 10% down on a $1.5 million Lotus Edge home needs a $1.35 million loan — 62% above the Jumbo threshold. A buyer putting 20% down on the $2.19 million luxury median needs a $1.75 million loan. Only buyers purchasing entry-level or significantly discounted properties in peripheral neighborhoods are likely to stay within the conforming limit. For anyone buying in a community that reflects why they chose Boca Raton, Jumbo is the program.
Yes. Restricted stock unit (RSU) income and other equity compensation can be included in Jumbo qualification when it is documented as recurring — typically through two years of RSU grant and vesting history, W-2 confirmation, and a current grant schedule showing future vesting. Year-end bonus income is included with two years of documentation and a confirmation letter. Connecticut-to-Florida relocations are a consistent part of Boca's buyer market, and Ryan structures these loans regularly.
GL Homes communities like Boca Bridges and Lotus Edge have their own affiliated financing offerings, which buyers are not required to use. Working with an independent Jumbo lender — one who handles this loan size regularly — gives you a comparison point, protects your ability to negotiate with the builder on price and upgrades rather than on financing, and ensures your pre-approval carries independent weight. Understanding your financing options before visiting the sales center puts you in a stronger negotiating position from the first conversation.
Ready to finance your upper-tier Boca Raton property? Schedule a confidential consultation today.
Originally from Harrisburg, Pennsylvania, I moved to Phoenix to attend Arizona State University and have proudly called Phoenix home ever since.
My journey into the mortgage industry began with a friend’s encouragement, who saw how my energy and people-first mindset could make a difference. He was right — I found my calling.
I’ve always embraced what makes me different. With ADHD as my secret weapon, I thrive in fast-paced, detail-heavy environments. I’ve built my career on clear communication, creative problem-solving, and putting clients first, always.
Outside of work, my greatest motivation is my wife and three amazing kids. I’d be honored to help guide you through your lending journey with care, clarity, and commitment.
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