Brandt Myers • NMLS #2030154 • Winter Garden, FL
Orlando, FL Mortgage Broker
Buying or refinancing a home in Orlando? Get fast pre-approval, multiple lender options, and personal guidance from a local Florida mortgage broker who knows the Central Florida market.
Orlando, FL Real Estate & Mortgage Market
Orlando's housing market is one of the most diverse in Florida — from downtown condos and new construction in Lake Nona to single-family homes in Dr. Phillips, College Park, and Winter Park. With a wide price range and strong population growth, Orlando remains one of the most active real estate markets in the Southeast.
What Does an Orlando Home Cost Per Month?
Here's what a principal and interest payment looks like at common Orlando price points, based on current rate ranges for a 30-year fixed loan:
| Purchase Price | Down Payment | Loan Amount | Rate Range | Est. P&I Payment |
|---|---|---|---|---|
| $350,000 | 3% ($10,500) | $339,500 | 5.5%–6.5% | $1,928–$2,146 |
| $450,000 | 5% ($22,500) | $427,500 | 5.5%–6.5% | $2,427–$2,702 |
| $550,000 | 10% ($55,000) | $495,000 | 5.5%–6.5% | $2,811–$3,129 |
| $700,000 | 20% ($140,000) | $560,000 | 5.5%–6.5% | $3,180–$3,540 |
| $900,000 | 20% ($180,000) | $720,000 | 5.5%–6.5% | $4,088–$4,551 |
P&I only. Taxes, insurance, HOA, and PMI not included. Loans above $832,750 require jumbo financing. Get your personalized rate →
Orlando Neighborhoods & What to Know About Financing There
Orlando's neighborhoods vary significantly in price point, property type, and financing considerations. Here's a quick overview of key areas I serve:
Dr. Phillips
Higher price points, many homes above $600K. Conventional and jumbo financing common. Strong rental demand near restaurant row.
Lake Nona
Active new construction market. Builder lender comparison recommended — I can check your builder's offer against wholesale lenders before you sign.
College Park
Established neighborhood with bungalows and custom homes. FHA, VA, and conventional all viable depending on property condition and price.
Winter Park
Premium market with luxury homes and condos. Jumbo financing frequently required. Condo eligibility verification important before making an offer.
Downtown Orlando
Condo-heavy market. Post-Surfside condo financing rules require eligibility verification — not all buildings qualify for conventional or FHA financing.
Horizon West / Hamlin
Master-planned growth corridor west of Orlando. Active new construction. Great for first-time buyers and move-up buyers seeking newer homes.
Local Mortgage Help for Orlando Buyers & Homeowners
I'm Brandt Myers, based in nearby Winter Garden. I work with multiple wholesale lenders which allows me to compare rates, programs, and guidelines to find the best fit for your goals — whether you're buying, refinancing, or investing in the Orlando area.
As a local mortgage broker, I help clients understand how loan programs, insurance costs, property taxes, and underwriting guidelines affect real affordability — not just the advertised rate.
Why Orlando Buyers Work With a Broker
More Loan Options
Access to multiple wholesale lenders instead of just one bank means more programs, more flexibility, and often better pricing for Orlando buyers.
Personal Service
You work directly with me — no call centers, no hand-offs. Clear communication and fast answers from application through closing.
Local Market Knowledge
I understand the Orlando metro market — neighborhood pricing trends, HOA considerations, Florida insurance costs, condo eligibility rules, and what it takes to get a loan closed smoothly.
Investor-Friendly
Orlando is one of Florida's top investment markets. I offer DSCR loans that qualify based on rental income — ideal for investors growing their portfolio in the area.
Home Loan Programs for Orlando
Every buyer's situation is different. Here are the programs I offer for Orlando purchases, refinances, and home equity needs.
Conventional Loans
Flexible financing with competitive rates. As low as 3% down for qualified Orlando buyers.
FHA Loans
Popular for first-time Orlando buyers. As low as 3.5% down with flexible qualification requirements.
VA Loans
$0 down and no monthly mortgage insurance for eligible veterans and active duty service members in the Orlando area.
Jumbo Loans
Financing for higher-priced Orlando properties above the $832,750 conforming limit, including Dr. Phillips and Winter Park.
Down Payment Assistance
Lender-paid grants and forgivable DPA covering your FHA down payment. Forgiven after just 6 months.
Refinance
Lower your rate, remove PMI, or access cash-out equity from your Orlando home. I'll run the numbers side by side.
DSCR Investor Loans
Qualify based on rental income for Orlando investment properties. Great for short-term rentals and multi-unit investors.
5-Day HELOC
Fast access to your home equity for renovations, debt consolidation, or reserves.
A Simple Process From Start to Closing
Clear next steps, fast answers, and personal support at every stage of your Orlando home purchase or refinance.
Step 1
Get Pre-Approved
Find out how much home you can buy in Orlando or see what your refinance options look like. I'll review your income, assets, and credit and get back to you with clear options quickly.
Step 2
Review Your Options
Compare loan programs, rates, payments, and cash-to-close side by side so you can choose what fits your goals — not just whatever one bank happens to offer.
Step 3
Move Forward With Confidence
Get loan approval and close on your Orlando home with clear communication, responsive support, and no surprises.
Orlando Mortgage FAQs
How do I get pre-approved for a mortgage in Orlando?
Apply online or schedule a quick call. I'll review your income, assets, credit, and goals and provide a pre-approval with a clear payment estimate and next steps — usually the same day documents are received.
What are current mortgage rates in Orlando?
Mortgage rates are driven by national bond markets, not local geography, so Orlando rates are in line with Florida averages. As of June 2026, the 30-year fixed conventional rate is in the mid-to-upper 6% range for well-qualified borrowers. Your actual rate depends on your credit score, loan type, and down payment. See the Florida mortgage rates page for current benchmarks.
What is the difference between a mortgage broker and a bank in Orlando?
A bank can only offer its own loan products. As an independent mortgage broker I shop multiple wholesale lenders on your behalf to find competitive rates and programs that fit your goals — giving you more options than any single bank can offer.
What is the minimum down payment to buy a home in Orlando?
It depends on the loan program. Conventional loans can go as low as 3% down, FHA as low as 3.5%, and VA loans can be $0 down for eligible veterans. I'll help you compare which makes the most sense for your situation and budget.
What credit score do I need to buy a home in Orlando?
For conventional loans, most lenders require a 620+ credit score minimum, with 740+ unlocking the best rates. FHA loans allow scores as low as 580 with 3.5% down. VA loans are flexible but most lenders look for 620+. For jumbo loans in higher-priced neighborhoods like Dr. Phillips or Winter Park, lenders typically require 700–720+.
Are there special financing rules for condos in Orlando?
Yes. Florida condo financing has specific eligibility requirements — especially following post-Surfside legislation. Not all condo buildings qualify for conventional or FHA financing. If you're buying a condo in downtown Orlando or Winter Park, I'll verify the building's eligibility before you make an offer so there are no surprises.
Can I use a DSCR loan to buy an investment property in Orlando?
Yes. DSCR loans are a popular option for Orlando investors, especially for short-term rental properties in the tourism corridor. They qualify based on the rental income of the property rather than your personal income — no W-2 or tax returns required.
Should I use the builder's lender for new construction in Lake Nona?
Builder lenders work for the builder, not you. As an independent broker I can compare the builder's incentive offer against multiple wholesale lenders so you can make an informed decision. Sometimes builders offer rate buydowns that are hard to beat — but you deserve to know either way before committing.
Does refinancing make sense right now in Orlando?
It depends on your current rate, loan balance, goals, and how long you plan to stay in the home. I'll run a no-pressure refinance review and show you options side by side. I also offer a Refi Rate Watch so you don't have to track the market yourself.
Do you work with first-time homebuyers in Orlando?
Absolutely. I walk first-time buyers through every step — from understanding your options and getting pre-approved to closing day — so the process feels clear and manageable from start to finish.
How does Florida homeowners insurance affect my mortgage in Orlando?
Florida insurance costs are among the highest in the country — often $3,000–$6,000+ per year in the Orlando metro depending on home age, location, and construction. Insurance is included in your debt-to-income ratio and affects how much you qualify for. I factor in real insurance estimates from the start so there are no surprises on your payment.
Serving Orlando and the Surrounding Area
Based in Winter Garden, I help buyers and homeowners throughout the greater Orlando metro including Dr. Phillips, College Park, Lake Nona, Winter Park, Ocoee, and surrounding communities.
Ready to Buy or Refinance in Orlando?
Whether you're just getting started or ready to move forward, I'll help you map out the smartest path — quickly, clearly, and with zero pressure.
Call or Text: (407) 758-7166