★★★★★
Neil was so professional, friendly and extremely knowledgeable in helping my wife and I purchase our new home! I highly recommend his services!
Scott, Palm Beach Gardens, FL
LendAid
Mortgage lender · Delray Beach, FL
Delray Beach mortgage lender.
Local office on SE 6th Ave. 23 years closing the complicated ones.
Neil Bourdelaise works from the Main Street Home Loans office at 35 SE 6th Ave, a block off Atlantic Avenue. He finances homes and condos across Delray Beach and Palm Beach County, with a focus on the files other lenders send back: older condo buildings, jumbo purchases, self-employed income and buyers who live outside the U.S.
I'm looking to
More than 575 client reviews on Zillow, LendAid and Google, rated 4.9 stars or higher on every one.
23years in mortgage lending
Top 1%nationally, 14 years (Scotsman Guide)
18states licensed
575+client reviews
What Neil finances in Delray Beach
The loans this market actually needs.
Delray Beach is a condo town with a lot of second-home and out-of-state buyers. That mix is where standard checklists break down, and where Neil spends most of his time.
Florida condos
Florida Condo Financing
Non-warrantable condos, condotels and older buildings working through Florida's milestone inspection and reserve rules. Neil reads the condo questionnaire before you write the offer, so you know early whether the building will finance.
High-value homes
Jumbo and Second Homes
Purchases east of Federal Highway, in Highland Beach and Gulf Stream, and seasonal homes for buyers splitting time with the Northeast. Jumbo, second-home and bank statement options.
Also
Self-employed and bank statement loansForeign national purchasesDSCR investor loansNew constructionConventionalFHAVAHELOCsBridge loans
Lending in Delray Beach
Neighborhoods Neil finances every week.
A loan in Delray Beach usually turns on the property as much as the borrower. A 1970s condo in Kings Point, a new townhome near Pineapple Grove and a waterfront house on the Intracoastal each go through underwriting differently.
Neil knows which questions a lender will ask about a building, what an HOA budget needs to show, and when a buyer should line up a non-warrantable option before going under contract. That is the difference between a smooth close and a deal that falls apart in week three.
- Downtown and Atlantic Avenue
- Pineapple Grove
- Lake Ida
- Seagate and Tropic Isle
- Kings Point
- High Point
- Highland Beach
- Gulf Stream
- Boynton Beach
- Boca Raton
Reviews
What clients say
More than 575 client reviews on Zillow, LendAid and Google, rated 4.9 stars or higher on every one.
★★★★★
Neil and his team are simply the best! They make the process easy and walk you through everything so that you have all the information you need at your fingertips. Could not be happier! We are return customers and would recommend them any and all who are buying or needing a refi.
Steve, Orlando, FL
Zillow
★★★★★
As a first time homebuyer, Neil and his team made the process less stressful. Im grateful for him guiding me through and answering all of my questions for a great first time experience!
Jackie, Saint Petersburg, FL
LendAid
Questions
Delray Beach mortgage questions, answered.
Who is a good mortgage lender in Delray Beach, FL?
Neil Bourdelaise, NMLS #476326, is a Delray Beach mortgage lender with Main Street Home Loans at 35 SE 6th Ave, Delray Beach, FL 33483. He has 23 years in mortgage lending, has ranked in the top 1% of originators nationally for 14 consecutive years (Scotsman Guide), and has more than 575 client reviews across Zillow, LendAid and Google, rated 4.9 stars or higher on each.
Can I get a mortgage on a non-warrantable condo in Delray Beach?
Yes. A condo is non-warrantable when the building does not meet Fannie Mae or Freddie Mac rules, often because of high investor ownership, pending litigation, low reserves, a large commercial share or one owner holding many units. Many older Delray Beach buildings fall into this group.
Neil finances these through portfolio and non-QM lenders that review the building directly. Expect a larger down payment than a standard condo loan, and send him the building name early so he can check it before you make an offer.
How do Florida's condo inspection and reserve laws affect buying a condo in Delray Beach?
After the 2021 Surfside collapse, Florida required milestone structural inspections for older condo buildings three stories and taller, and required associations to fund structural reserves instead of waiving them. Buildings that are behind on inspections, repairs or reserves can be harder to finance and may carry special assessments. Neil reviews the condo questionnaire, budget and inspection status as part of pre-approval.
Can a foreign national buy a home in Delray Beach with a mortgage?
Yes. Foreign national loan programs let buyers without U.S. credit or a Social Security number finance a second home or investment property. Lenders typically ask for a valid passport and visa, proof of income and assets from your home country, and a larger down payment than a U.S. buyer would need. Neil works with buyers from Canada, Europe and Latin America on Delray Beach purchases.
I'm self-employed. Can I qualify for a mortgage in Delray Beach?
Yes. If your tax returns show less income than you actually earn, a bank statement loan uses 12 or 24 months of personal or business deposits to calculate income. Neil also uses asset-based and DSCR programs for investors. He reviews your statements up front and tells you which program fits before you start house hunting.
Do I need a local lender to buy in Delray Beach?
A local lender helps most on condo purchases and tight closing dates, because so much depends on the specific building and HOA. Neil lives and works in this market, knows the listing agents and condo managers, and is reachable by phone, text or WhatsApp at 410-336-8432.
For Realtors and builders
Your client, your reputation. Neil treats both that way.
When you send Neil a client, you're trusting him with your name too. Here's what you can count on.
- Quick pre-approvals. Your buyer can write an offer with confidence.
- Clear communication. You hear from us at each step, without having to chase us.
- A closing date we plan around. We set the timeline up front and work to it.
- The hard files. Condos, self-employed buyers, foreign nationals and new construction.
Contact
Reach Neil directly.
