You deserve a real loan officer who knows Orange County, not a call center three states away routing your file to a stranger.
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Orlando is one of the fastest-moving real estate markets in Florida, and that pace shows up at every step of the purchase process. Neighborhoods like Lake Nona, College Park, and Baldwin Park attract buyers from across the country, which means sellers often receive multiple offers quickly. A mortgage that is fully reviewed and ready to go before you make an offer gives you a real edge in those conversations.
Appraisals in Orlando can be tricky. The city is made up of dozens of distinct communities, each with its own pricing patterns, from the established bungalows of Colonialtown to the newer master-planned subdivisions of Horizon West and the resort-adjacent properties near International Drive. Because values can vary sharply from one zip code to the next, the appraisal process sometimes requires a local appraiser who understands those micro-market differences. Our loan officers are familiar with these dynamics and flag potential issues early.
Orlando draws a wide range of buyers. First-time buyers who have relocated for work at one of the area's major employers often look at down payment assistance (DPA), help covering the cash needed to close, to keep their savings intact. Repeat buyers upgrading from starter homes in Pine Hills or Kissimmee frequently ask about conventional options. Investors purchasing short-term rental properties near the theme-park corridor face a different set of qualification guidelines entirely. Whatever your situation, there is a loan structure worth exploring.
We're not a lead-generation site that sells your information. We're a licensed mortgage team, and we're here in Florida.
You work with a licensed mortgage team and a loan officer who knows this market, not a national portal that sells your information to the highest bidder.
We know Orlando's neighborhoods, appraisers, title companies, and county quirks, because we close here every week.
You get one loan officer with a direct line, not a 1-800 number and a different rep every time you call.
Licensed across OH, IN, PA, TX and more. Moving out of state later? We can likely still be your lender.
Not sure which fits? Start with the quiz above, or read the full guide on any option below.
As little as 3.5% down with a 580 credit score. The most flexible path for first-time and credit-building buyers.
FHA in Orlando3–5% down for strong-credit buyers. Mortgage insurance drops at 20% equity — the long-term cost winner.
Conventional guideZero down, no monthly mortgage insurance, for eligible veterans and active-duty service members.
VA loan benefitsLower your rate, shorten your term, or tap equity. We'll run the break-even math honestly.
Refinance optionsDown payment assistance, education, and step-by-step guidance built for people buying their first home.
First-time buyer guideCompare FHA vs. Conventional side by side, or talk to a loan officer who'll run both on your actual numbers.
Compare loan typesFlorida buyers can often stack state and local assistance on top of an FHA or conventional loan to cover part, sometimes all, of the down payment. What you qualify for depends on your income, the home, and the program.
No credit pull to start, we'll check your assistance eligibility with you.
We close loans across the entire Greater Orlando metro, city neighborhoods, suburbs, and the core counties we serve.
A clear four-step path, with a real person guiding you at each stage.
Answer a few questions, no credit pull, no obligation. We'll tell you what you can realistically afford in Orlando.
~60 secondsA full application and verified pre-approval letter, the kind Orlando sellers take seriously in a multiple-offer situation.
1–2 daysYour file goes through full underwriting, appraisal, title, and conditions handled by a team you can actually reach.
2–3 weeksSign, fund, and get your keys. We coordinate with your local title company to keep closing day smooth.
Day of closeYes. A Federal Housing Administration (FHA) loan is a government-backed mortgage that allows lower down payments and accepts a wider range of credit scores than most conventional loans. FHA loans are available throughout Orlando and Orange County. Keep in mind that FHA loans require a mortgage insurance premium (MIP), a fee on FHA loans that protects the lender, which is added to your monthly payment for the life of the loan in most cases.
It depends on the loan type. FHA loans can allow scores as low as 580 with a 3.5 percent down payment, though individual lenders may set higher minimums. Conventional loans typically look for a score of 620 or above, and stronger scores generally open up better options. The best first step is a conversation with one of our loan officers so you know exactly where you stand before you start shopping.
A typical purchase in Florida closes in 30 to 45 days after a signed contract. Orlando's competitive market sometimes pushes buyers to offer faster timelines to stand out. Getting pre-approved before you make an offer shortens the overall process and shows sellers you are a serious buyer. Complex files, title questions, or appraisal scheduling can add time, so starting early matters.
Yes. Florida and Orange County both offer programs that provide DPA to qualifying buyers. These programs are income-based and often carry eligibility rules around purchase price and property type. Our loan officers stay current on which programs are active and can walk you through whether you qualify before you ever make an offer.
Your debt-to-income ratio (DTI) is how much of your monthly income goes to debt payments, including your future mortgage. Lenders use DTI to decide how large a loan you can comfortably handle. In a higher-priced market like Orlando, where home values have climbed steadily, DTI gets a close look. Paying down existing balances before applying can improve your DTI and expand your loan options.
You can legally use any licensed lender, but local knowledge matters in Orlando. Appraisal timelines, flood zone questions, homeowners association requirements, and condo review processes are all common here. An Intra-Mortgage loan officer familiar with the Orlando market can anticipate those hurdles before they slow your closing. You also get a direct line to a real person, not an automated queue.
See what you qualify for in about a minute, or talk to a loan officer who actually knows the Greater Orlando market.