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Trinity Lending Company

BREVARD COUNTY, FL

Mortgage Broker in Palm Bay, FL

Trinity Lending Company is licensed in Florida and works with buyers and homeowners in Palm Bay and throughout Brevard County. We help you compare mortgage options, get pre-approved and stay informed from application to closing.

Get Pre-ApprovedCall (973) 453-5692

Home loans in Palm Bay, FL

With an estimated 130,132 residents, Palm Bay is a sizable community, with roughly 1,501 people per square mile. Local housing costs, property types and how long homes have been owned all shape which loan fits best, so we start with your plans and the property, not a one-size-fits-all product.

The Palm Bay housing market at a glance

The estimated median value of owner-occupied homes in Palm Bay is $283,200, about 17% below the Brevard County median of $339,600. Statewide, the Florida median is $359,000.

Home values are about 3.9 times the median household income ($72,614), relatively moderate compared with many markets. That can make it easier to plan for a larger down payment or a shorter loan term.

About 80% of occupied homes in Palm Bay are owner-occupied, so many local conversations are about refinancing, home equity and moving up to the next home.

The median home was built around 1993, newer than in many areas. Buyers may run into new construction, condo or community association questions, which can affect loan eligibility.

Loan limits in Brevard County

The 2026 conforming loan limit for a one-unit home in Brevard County is $832,750, the national baseline. Loan amounts above this limit are jumbo loans, which have different down payment and documentation requirements.

Mortgage services for Palm Bay buyers and homeowners

Home purchase loans

Pre-approval and purchase financing for homes in Palm Bay, from condos to single-family homes.

Refinancing

Review whether refinancing could lower your monthly payment, change your loan term or turn equity into cash.

FHA loans

Government-insured loans with flexible credit guidelines. FHA loan limits are set by county; we confirm the current Brevard County limit for you.

VA loans

For eligible veterans, service members and surviving spouses, often with no down payment required.

Conventional loans

Fannie Mae and Freddie Mac loans up to $832,750 for a one-unit home in Brevard County.

Jumbo loans

Financing above $832,750 for higher-priced homes in and around Palm Bay.

First-time homebuyer loans

Guidance on low down payment options and Florida Housing Finance Corporation programs for first-time buyers.

Homebuyer assistance in Florida

Florida Housing Finance Corporation runs statewide homebuyer loan and down payment assistance programs offered through participating lenders, with income and purchase price limits that vary by county. Learn more from Florida Housing Finance Corporation.

How it works

  1. Tell us about your plans for buying or refinancing in Palm Bay.
  2. We review your income, assets and credit and explain the loan options that fit.
  3. Get a pre-approval letter to share with your real estate agent.
  4. We coordinate the appraisal, paperwork and closing and keep you updated.

Frequently asked questions about mortgages in Palm Bay

Is Trinity Lending Company licensed to arrange mortgages in Palm Bay?

Yes. Trinity Lending Company (NMLS #2762052) is licensed in New Jersey, Florida, Colorado and Pennsylvania. In Florida our license is overseen by the Florida Office of Financial Regulation. You can verify our licensing on NMLS Consumer Access.

What is the conforming loan limit in Brevard County for 2026?

For a one-unit home, the 2026 conforming loan limit in Brevard County is $832,750, according to the Federal Housing Finance Agency. Larger loans are considered jumbo loans.

What do homes cost in Palm Bay?

The U.S. Census Bureau's American Community Survey (2020-2024 five-year estimates) puts the median value of owner-occupied homes in Palm Bay at about $283,200. Prices of homes for sale vary by neighborhood, property type and condition.

Are there first-time homebuyer programs for Palm Bay buyers?

Florida Housing Finance Corporation runs statewide homebuyer loan and down payment assistance programs offered through participating lenders, with income and purchase price limits that vary by county. Ask us how these programs compare with the loan options available to you.

How do I get pre-approved for a home in Palm Bay?

Start an application online or call (973) 453-5692. We review your income, assets and credit, explain the loan options that fit, and issue a pre-approval letter you can share with your real estate agent.

Mortgage guides for Palm Bay buyers

Browse all mortgage guides or compare all loan services.

Nearby areas we serve

Sources

Figures are estimates from public sources and may differ from current listing prices. This page is for information only and is not a commitment to lend. All loans are subject to credit approval and program guidelines. Trinity Lending Company, NMLS #2762052, is licensed in Florida by the Florida Office of Financial Regulation.

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