Lake Nona · Winter Park · Dr. Phillips

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Orlando is one of the most-searched relocation markets in the country, and its mix of primary buyers, theme-park-driven short-term rentals, and new construction shapes how lenders price loans here. From Lake Nona to Winter Park to Dr. Phillips, Nick shops 100+ wholesale lenders to find the rate and program that fits your purchase — primary home, second home, or investment.

Serving: Lake Nona · Winter Park · Dr. Phillips · Baldwin Park · College Park · Thornton Park · Windermere · Hunter's Creek

Orlando, Florida

Common Questions

Orlando Mortgage FAQ

What is the conforming loan limit in Orange County for 2026? +
The 2026 conforming loan limit for Orange County is $832,750 for a single-family home. Loans above this threshold require a jumbo mortgage with different qualification requirements.
What is the FHA loan limit in Orange County? +
The 2026 FHA loan limit for a single-family home in Orange County is $541,287. FHA loans require as little as 3.5% down with a 580+ credit score.
Can I get a DSCR loan for a Orlando vacation rental? +
Yes. Orlando's short-term rental market — particularly Lake Nona, Winter Park, and the theme-park corridor — is strong enough that DSCR loans frequently work well. Lenders use either actual leases or a market rent analysis to determine qualifying income.
How long does it take to close on a home in Orlando? +
A typical purchase closes in 21–30 days with conventional financing. Jumbo loans can take 30–45 days. DSCR investment loans can close in as few as 14–21 days with the right lender.
Do you work with buyers on vacation homes and short-term rentals? +
Yes — and knowing the nuances matters. Short-term and vacation rentals often sit in resort or HOA communities with specific lender requirements, and rental income can be used to qualify through DSCR programs. Nick has experience with Orlando-area property requirements.

Programs Available in Orlando

Find Your Loan Type

DSCR Loans
Qualify on rental income — no W-2s or tax returns required. Ideal for Orlando investment properties and vacation rentals.
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Jumbo Loans
Financing above $832,750 for Windermere, Winter Park, Dr. Phillips, and Orlando's luxury waterfront market.
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FHA Loans
3.5% down with a 580+ credit score. FHA loan limit in Orange County is $541,287.
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Ready When You Are

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No obligation to proceed. Real Florida mortgage options from a loan originator who works for you, not a bank. Any credit inquiry will be disclosed before it occurs.

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