Tequesta, FL · Palm Beach County
Mortgage Advisor in Tequesta, FL
Darryn Stephen is a Senior Mortgage Advisor with Smart Home Loans (NMLS #2664300), serving Tequesta from nearby Jupiter.
Tequesta is a small village with big water views. I’m right next door in Jupiter, and I’ll help you plan for the insurance, flood and condo questions that come with buying near the river.
- Florida-licensed
- NMLS #2664300
- Smart Home Loans NMLS #1734077
Buying a home in Tequesta
Tequesta is a quiet village at the very top of Palm Beach County, just north of Jupiter along the Loxahatchee River and the Intracoastal, bordering Martin County.
Many homes sit on or near the water, from river and canal homes to Intracoastal condos. Flood zone, elevation and wind insurance can change your monthly cost a lot, so I factor them in before you write an offer.
Older riverfront and Intracoastal condo buildings go through a lender project review. In Florida that review looks hard at reserves, inspections and insurance, so we check the building early.
Some buyers in Tequesta are downsizing, buying a second home or moving money from overseas. I look at the loan as part of your bigger plan.
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.
Can I buy a second home in Tequesta with a conventional loan?
Yes, second homes can be financed with conventional loans, with their own down payment and occupancy rules. Options depend on lender and program.
Do I need flood insurance in Tequesta?
If the home is in a high-risk flood zone and you have a mortgage, lenders generally require flood insurance. Many waterfront homes are. Darryn helps you plan for the cost early.
Do you meet clients in Tequesta?
Yes. Darryn is based in nearby Jupiter and can meet locally, or work by phone and video.
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.