Mortgage Lender in Orlando, Florida

Yes. 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.

Both. Intra-Mortgage is a licensed mortgage lender and broker, so we can match your loan to the program that fits instead of pushing a single in-house product. For Orlando buyers that flexibility helps across FHA, conventional, and government loan options, and with local questions like condo approvals or flood zones. Either way, you work with a loan officer you can actually reach.