Service Areas
Hobe Sound, FLIndiantown, FLJupiter, FLLoxahatchee, FLNorth Palm Beach, FLPalm Beach Gardens, FLPalm Beach, FLPalm City, FLRoyal Palm Beach, FLStuart, FLWest Palm Beach, FL
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About Andrew Panaia
Andrew Panaia has been a proud resident of Northern Palm Beach County since 1986, providing valuable local insight to every real estate transaction. A graduate of Florida Atlantic University, Andrew's career encompasses entrepreneurship, finance, and real estate. After successfully owning a sports manufacturing company and spending a decade with JPMorgan Chase, he now merges his passion for real estate and mortgage financing in two impactful roles: Realtor® with Downing Street Realty and Team Lead at The Panaia Team with CrossCountry Mortgage. Andrew offers a unique advantage as a local real estate expert with dual expertise in real estate and mortgage financing, helping clients navigate the home buying and selling process--whether it's structuring a creative loan solution or negotiating a sale of Jupiter homes--always with clarity and confidence. He and his team take pride in their personalized service, extensive local knowledge, and access to a variety of financing solutions tailored to every scenario, from first-time buyers to luxury home sellers in Palm Beach Gardens real estate. Your trusted resource for real estate and lending in Jupiter, Palm Beach Gardens, and beyond. Let's make your move simple and successful.
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Credentials
LICENSE
Real Estate - Florida - # 3595662
Designation
Licensed Loan Officer
Licensed Realtor
REALTOR
Specialties
- Sellers
- Buyers
- Rentals
- Residential Property
- Commercial Property
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FAQ
Start with a solid game plan: get fully pre-approved (not just pre-qualified), know your comfortable monthly payment, and understand your total cash-to-close before you fall in love with a home. In today’s market, the strongest buyers win by pairing smart pricing with clean terms—clear timelines, realistic inspections, and financing that’s fully vetted upfront. As both a Realtor® and Loan Officer, I can structure the offer strategically (down payment, appraisal gap approach if needed, closing timeline, lender credits/points) so you’re competitive and protected. My goal is to help you buy the right home with the least stress, the fewest surprises, and a smooth closing.
Price it correctly from day one and focus on presentation—clean, decluttered, well-lit, and professionally marketed. The first 7–10 days are when you get the most attention, so strong photos, accurate pricing, and a clear showing plan matter. I also help sellers evaluate offers beyond the price: financing strength, appraisal risk, timelines, and the buyer’s ability to actually close. Because I understand lending, I can spot red flags early and help you choose the offer that’s most likely to make it to the finish line—on time and on terms.
I’ve worked with first-time homebuyers, move-up and luxury buyers, relocation clients, retirees, second-home purchasers, and real estate investors. On the lending side, I’ve helped clients with conventional, FHA, VA, jumbo, and self-employed/non-traditional income scenarios (where documentation and strategy matter). Many of my clients value having one point of contact for both real estate and financing—so communication stays tight and the process stays organized from offer to closing.
A favorite recent transaction was helping a buyer win a competitive situation by aligning the offer strategy and the financing from the start. We tightened the pre-approval, confirmed the numbers and timelines, and wrote an offer that was strong but still protected the buyer’s interests. Because I handled both the home search/negotiation and the loan coordination, we avoided common delays (appraisal, underwriting conditions, last-minute documentation issues) and closed smoothly. The client felt informed at every step, and we got to the closing table on schedule without surprises.
I got started because I enjoy helping people make smart financial decisions around housing—one of the biggest purchases most families ever make. Over time, I realized the best client experience happens when the real estate strategy and the mortgage strategy work together. That’s what led me to become both a Realtor® and a Loan Officer: to provide clearer guidance, faster communication, and a smoother path from showing to closing.
Yes—I'm dual-licensed as a Realtor® and a Mortgage Loan Officer (NMLS #599806), which gives my clients an advantage in both negotiation and financing strategy. I stay current on lending guidelines, underwriting requirements, contract timelines, and market conditions so I can help clients make confident decisions with the numbers clearly explained. Having both skill sets in one place typically means fewer handoffs, faster answers, and a more efficient transaction—especially when timing matters.
Contact Information
Location
1 Southeast Ocean BoulevardStuart, FL, 34994
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Available Listings View All
Active
$535,000
3bds | 2.5ba 1700 sq ft
13519 SW 50th Ct, Miramar, FL, USA,USA
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