West Palm Beach's Most-Reviewed Mortgage Team

Keys in Hand. Dream Realized.

Palm Beach Mortgage Group connects Florida homebuyers, investors, and refinancers with the right loan — fast, personalized, and built around your life, not a banking formula.

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★★★★★
4.9 Google · 190+ Reviews
★★★★★
5.0 Zillow · 138+ Reviews
Palm Beach home — luxury Florida real estate
17 Days
Record closing time
40+
Years Experience
190+
Google Reviews
4.9
Star Rating
1985
Originating Since
138+
Zillow Reviews
Why We're Different

Built on Results.
Backed by Reviews.

4.9 Stars on Google

Rated 4.9 stars across 190+ verified Google reviews from Florida homebuyers, investors, and real estate professionals who trust us with their biggest transactions.

5 Stars on Zillow

Consistently top-rated on Zillow with 138+ reviews — a platform where real estate agents and buyers hold lenders to the highest standard.

Loans Closed in 17 Days

When another broker couldn't deliver and a buyer nearly lost their property, our team stepped in and closed a complex loan in 17 days flat.

Originating Since 1985

Founder Suzanne Downs-Buono has been originating home loans for decades, bringing deep expertise and hard-won judgment to every file she touches.

People Over Profiles

We don't slot you into a formula. We evaluate your full picture with common-sense underwriting and find creative paths that banks overlook.

A-Rated & Private Lenders

Our broad lender network spans top-rated institutions and private programs — giving you more options, better rates, and solutions banks turn away.

What We Offer

Every Loan Type.
One Expert Team.

From first-time buyers to seasoned investors, we have a program — and a path — for every scenario.

All of Florida served
Palm Beach County specialists
NMLS Branch #373094

Home Purchase Loans

Buying a home in Florida? We match you to the loan program that fits your budget, timeline, and goals — from first home to forever home.

Refinance

Lower your rate, reduce your monthly payment, or tap into built-up equity. We identify refinancing options that make your numbers actually work.

FHA Loans

Get into your first home with as little as 3.5% down, with most closing costs eligible to be rolled directly into the loan.

VA Loans

Honoring those who served. Qualifying veterans and disabled veterans may access exclusive benefits and favorable terms through the VA Home Mortgage Program.

Jumbo Loans

Financing a luxury or high-value property in South Florida? We have access to competitive jumbo loan programs that banks can't always match.

Reverse Mortgages

Explore how your home's equity can work for you in retirement. We walk you through every option with clarity, patience, and zero pressure.

Investment & Multi-Family

From non-owner occupied properties to multi-family buildings, we structure investor loans tailored to your portfolio strategy.

Commercial Loans

Expanding beyond residential real estate? Our team can connect you with commercial lending solutions to grow your business or portfolio.

Suzanne Downs-Buono, Founder & President
Suzanne Downs-Buono
Owner & Founder · NMLS# 289859
Our Story

A Mortgage Firm
Built on Integrity.

Founded in 2001 by Suzanne Downs-Buono — a mortgage professional whose roots in home lending stretch back to 1985 — Palm Beach Mortgage Group was built on one enduring belief: every borrower deserves to be treated as a person, not a profile.

While big banks feed your information into a formula and hand you whatever fits their product shelf, we do something fundamentally different. We listen. We think. We connect you with the right lender from our extensive network — spanning top-rated institutions and private programs — and we advocate relentlessly for you until the keys are in your hand.

Rated 4.9 stars on Google and 5 stars on Zillow across hundreds of verified reviews, our reputation is built on results. Real estate agents trust us to save their deals. Repeat clients come back every time.

2001
Founded
1985
Originating Since
All FL
Licensed Statewide
How It Works

From First Call
to Closing Day.

01

Free Consultation

Tell us your situation, goals, and timeline. No obligation, no pressure.

02

Loan Matching

We evaluate your full financial picture and identify lenders that genuinely fit.

03

Application & Docs

We guide you through exactly what's needed, keeping paperwork straightforward.

04

Active Processing

We work your file from every angle, keeping you updated at every step.

05

Closing Day

Keys in hand — sometimes in as few as 17 days. Your next chapter begins.

The PBMG Difference

Common Sense.
Uncommon Results.

Six principles that set us apart from every lender you've worked with before.

Common-Sense Lending

We skip the rigid bank formulas and use real-world judgment to match you with the loan that actually fits your life and financial picture.

Access to Dozens of Lenders

From top-rated "A" institutions to private hardship programs, we shop the full market to secure your best available rate and terms.

Lightning-Fast Closings

Our team has closed complex loans in as few as 17 days. When timing is critical, we rise to the occasion — and deliver.

Constant Communication

You're never left guessing. Our team keeps you fully informed at every stage so there are no surprises on closing day.

Every Loan Type, One Team

Conventional, FHA, VA, Jumbo, ARMs, Reverse Mortgages, Commercial — whatever your scenario, we have a program and a path.

Deep Florida Expertise

We serve all of Florida with a specialized focus on Palm Beach County and the surrounding communities we've called home for decades.

Client Reviews

Real Stories.
Real Results.

★★★★★

"Palm Beach Mortgage was nothing but professional throughout the whole experience. Suzanne Downs, Alina Hoge, and Aliza Falk were fantastic and easy to work with. We both highly recommend using PBM to anyone seeking a mortgage."

Donald Blalock
Verified Google Review
★★★★★

"Suzanne Downs, Aliza Falk, and Alina Hoge all jumped through hoops to get a loan originated and closed in 17 days. Amazing is all I can say. As a real estate agent and a buyer, I've seen both sides — these are the best."

Hadley Reisig
Real Estate Agent & Buyer · Google Review
★★★★★

"After using another broker for a month, the day before the last extension I changed to Palm Beach Mortgage Group. Suzanne made the impossible POSSIBLE. I will always be in gratitude. HIGHLY RECOMMENDED!!!"

Yani Daes
Verified Google Review
★★★★★

"Suzanne and all the ladies at Palm Beach Mortgage were such a pleasure to work with. They are constantly in communication and move lightning quick. My clients closed in less than 30 days to enjoy their new home for the holidays."

Mike Antonio
Verified Google Review
★★★★★

"Suzanne's team is professional, friendly, resourceful and most of all efficient! They make the entire process seamless and personalized! I have truly enjoyed working with Palm Beach Mortgage Group over the years!"

Zaheera Mohammed
Verified Google Review
★★★★★

"I cannot describe how incredible the experience that I as a listing realtor had with Palm Beach Mortgage. Their communication from the very beginning to the end was outstanding!!! I would recommend them to my clients hands down."

Lori Flagg
Listing Realtor · Google Review
Service Areas

We Serve All of Florida

With a specialized focus on Palm Beach County and surrounding communities

West Palm Beach Palm Beach Boca Raton Jupiter Palm Beach Gardens Wellington Royal Palm Beach Delray Beach Boynton Beach Lake Worth Juno Beach Loxahatchee Westlake All of Florida
Questions & Answers

Frequently Asked
Questions

As independent brokers, we work for you — not for a bank's product lineup. We shop across a wide network of lenders to find the rate and program that best fits your situation, including options that banks simply won't offer you.

We cover the full spectrum — Conventional, FHA, VA, Jumbo, ARMs (1-, 3-, and 5-year), Reverse Mortgages, Home Equity Lines, and Commercial loans. We also specialize in investor financing for non-owner occupied and multi-family properties.

Our team has closed loans in as few as 17 days. While every transaction is different, speed and proactive communication are central to how we work every single file.

Absolutely. FHA loans allow down payments as low as 3.5%, and our team takes pride in walking first-time buyers through every step with patience and genuine expertise.

Yes. We have access to private hardship lenders for borrowers who don't fit conventional bank criteria. Our common-sense approach means we explore every available path before saying it can't be done.

Yes. Palm Beach Mortgage Group Inc. is a licensed mortgage broker operating under NMLS Branch #373094. Founder and President Suzanne Downs-Buono holds individual NMLS# 289859.

You can apply online (about 10–15 minutes), request a free consultation, or call us directly at (561) 478-4780. We'll take it from there and guide you the rest of the way.

Take the First Step

Your Dream Home
Is One Call Away.

Don't settle for a bank formula. Get a mortgage partner who fights for your best outcome — every time, from first contact to closing day.

Call (561) 478-4780 Email Us
(561) 478-4780
reception@palmbeachmortgagegroup.com
West Palm Beach, FL
Get Directions

NMLS Branch #373094 · Suzanne Downs-Buono NMLS# 289859 · Licensed in Florida