Home Loans in Orlando Built for Your Goals

For loan amounts above the conforming limit, common on purchases in Winter Park, Windermere and Lake Nona. Jumbo financing carries its own credit, reserve and appraisal standards, so the numbers are worth running before the offer.

With a condo, the building has to qualify as well as the buyer. Owner-occupancy, reserves, litigation and Florida’s milestone inspection rules can each stop a loan, so we review the community before the offer is written.

Financing for manufactured homes built to HUD code and permanently attached to land the buyer owns or is buying. The home’s age and foundation decide which loans are available.

One loan that covers the build and then becomes the permanent mortgage, with a single closing and one set of closing costs. It suits building on an owned lot or with a builder who doesn’t offer financing.

One mortgage that covers the purchase price and the cost of the work, based on what the home will be worth when finished. A practical route in Orlando’s older neighborhoods, where the right house often needs a kitchen and a roof.

An FHA loan that finances a home and its repairs together, with FHA’s flexible credit standards. In Central Florida it often solves an aging roof or an insurance-flagged system that would otherwise stop the purchase.

Homeowners 62 and older can convert part of their equity into cash with no monthly mortgage payment. Taxes, insurance and upkeep stay the owner’s responsibility, and the loan comes due when the last borrower sells, moves out or passes away.

When the down payment for the next home is tied up in the current one, a bridge loan draws on that equity so the buyer can make a non-contingent offer. It is short-term, and it only makes sense when the current home can realistically sell on a known timeline.

Physician Loans

For doctors, dentists and other eligible medical professionals, with low down payments, no monthly mortgage insurance on most options, and student loans weighed differently than on a conventional loan. Eligibility depends on degree, specialty and career stage.

Bank Statement Loans

Self-employed borrowers whose tax returns understate business income can qualify on personal or business bank statements instead of returns and W-2s. Rates and down payments usually run higher than on conventional financing.

Asset Depletion Loans

For borrowers with substantial savings or investments and little monthly income, such as retirees. Eligible assets are converted into a qualifying income figure, and which accounts count varies by loan.

DSCR Loans

For investment properties, a DSCR loan qualifies on the property’s rent compared with its payment, not the borrower’s personal income. No tax returns or employment documents are needed, but rates and down payments usually run higher than on a primary home.

Foreign National Loans

Buyers who live outside the United States and have no U.S. credit history can finance a Central Florida home using credit references and documents from their home country. Down payment and reserve requirements run higher.

Mortgage Refinance

Replaces the current mortgage with a new one to change the rate, shorten the term or take cash out. Whether it pays depends on the current rate, time in the home and closing costs, so we run the numbers first and say so when a refinance doesn’t put a homeowner ahead.

Home Equity Line of Credit

A revolving credit line secured by the home that leaves the first mortgage in place, which matters most when the existing rate is worth keeping. The rate is variable, so the payment can change.

Florida Hometown Heroes

State assistance for first-time buyers in eligible occupations. Funding is released in cycles and runs out.

Florida Assist and Other Florida Housing Options

State second mortgages for first-time buyers within income limits, paired with a Florida Housing first mortgage.

County and City Programs

Orange County and the City of Orlando each run first-time buyer assistance that opens and closes as funding allows.