Stuart, FL · Martin County
Mortgage Advisor in Stuart, FL
Darryn Stephen is a Senior Mortgage Advisor with Smart Home Loans (NMLS #2664300), serving Stuart from nearby Jupiter.
Stuart and Martin County are a short drive up from Jupiter. Whether it’s a river home, a Palm City family home or a Hutchinson Island condo, I’ll help you plan the financing before you fall in love with a house.
- Florida-licensed
- NMLS #2664300
- Smart Home Loans NMLS #1734077
Buying a home in Stuart
Stuart is the county seat of Martin County, set where the St. Lucie River meets the Indian River Lagoon. Downtown Stuart, the riverfront and Sewall’s Point draw buyers who want boating and a small-town feel.
Palm City, west across the river, is popular with families looking for more space. Jensen Beach to the north and Hobe Sound to the south each have their own mix of older homes, newer communities and condos.
Hutchinson Island is mostly beachfront condos. Florida condo reviews look closely at reserves, inspections and insurance, so I check the building before you’re under contract.
Some areas outside city centers in Martin County may be eligible for USDA loans, which may not require a down payment for eligible buyers. I check the USDA map for any address you like.
Loan options I can help you explore
VA loans
VA loans for veterans and service members. Low credit scores welcome.
First-time buyers
Down payment assistance and first-time buyer programs.
FHA & conventional
FHA and low down payment conventional options.
Seller credits
Seller concessions & buydowns to help with costs.
Refinance
Refinance, cash-out or HELOC, with honest advice.
Self-employed & overseas assets
Bank statement and foreign asset options.
Programs, guidelines and eligibility change and vary by lender and program. This page is general information, not a commitment to lend or a guarantee of approval. All loans are subject to credit approval, underwriting and property approval. Not legal or tax advice.
Questions people ask me
Straight answers. Programs and guidelines change, and everything depends on the lender, the program and your situation.
Do you work with buyers in Martin County?
Yes. Darryn is based in Jupiter, just south of Martin County, and works with buyers in Stuart, Palm City, Jensen Beach, Hobe Sound and Hutchinson Island.
Are there USDA loans in Martin County?
Some areas outside the main city centers may be USDA eligible. Eligibility depends on the property address and household income limits.
What should I know about buying a Hutchinson Island condo?
Lenders review the condo association’s budget, reserves, insurance and inspection status. Some buildings may not meet guidelines, so Darryn checks the building early.
Let’s talk it through
No pressure, just clear answers about what may fit you. Call, text or email me.
Ready to apply? Start at smarthomeloans.net.