Mortgage Services

From conventional to jumbo loans, Certified Lending matches buyers with the right mortgage options. Through careful guidance of income checks, credit reviews, and down payment decisions, their team ensures a smooth path to homeownership. Expert local knowledge powers their ability to organize documents, handle appraisals, and guide clients confidently to closing day. 

When interest rates shift favorably, smart homeowners look to refinance. Whether the goal is monthly payment reduction, faster loan payoff, or accessing home equity, Certified Lending evaluates each situation carefully. Their thorough review of credit scores, income documentation, and equity position helps secure optimal refinancing terms, with options for both rate adjustments and cash-out solutions. 

Business growth demands flexible financing solutions. To meet this need, Certified Lending provides SBA loans, bridge financing, construction funding, and investment property options. Success relies on proper structuring - they analyze business cash flow, examine property potential, and review financial records to create loan packages with manageable 20-30% down payments. 

Traditional mortgage rules don't work for everyone. Self-employed professionals, business owners, and gig workers often need different solutions. Looking beyond standard W-2 forms, these specialized loans consider bank statements, investment portfolios, and alternative income streams to help qualified buyers achieve their homeownership goals. 

Home staging in Palm Beach involves careful attention to every detail, from arranging furniture to highlight room connections, to selecting the right colors and lighting that make spaces feel open and inviting. Our planning of living areas, kitchens, bedrooms, and outdoor spaces, focuses on local market preferences that help homes sell faster and attract stronger offers.