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Find the Best Mortgage Lenders in Orlando, FL

by Sandi Pope ConsumerAffairs Research Team

Homeownership is a source of pride for many Floridians. Mortgages help people afford homes, whether they’re buying their first house or refinancing their current property. This guide covers the basics of down payments, interest rates and mortgage options to help you find the best mortgage lenders in Orlando.

Top 16 Orlando Mortgage Companies

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Available in 20149
Rocket Mortgage
Read 314 Reviews

Online mortgage company available in all 50 states. Provides multiple mortgage options and refinancing programs. Part of the Quicken Loans family. 24/7 online services and learning center. No in-person assistance.

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AmeriSave Mortgage
Read 3,896 Reviews

Offers home loans with an easy online approval process. Custom quotes with no obligations to purchase or refinance. Provides conventional, jumbo, FHA, VA and USDA loans. No origination fees.

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Quicken Loans
Read 5,444 Reviews

Offers conventional mortgages and FHA, VA and jumbo loans. Refinancing options available to lower payments, change terms or take cash out. Fast online application through Rocket Mortgage. Closing costs of 3% to 6%.

Learn More Call Now Toll Free (800) 940-2133
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First Internet Bank
Read 346 Reviews

Online full-service bank. Personal and business products. Fixed, ARM, jumbo, FHA, VA and home equity mortgages. No physical branches. Mobile banking through app. Free ATM card with most accounts.

Get a Quote Call Now Toll Free (855) 767-2424
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Mr. Cooper
Read 9,657 Reviews

Provides new home loans and mortgage refinancing. Offers competitive interest rates. Award-winning mobile app. Online loan tracking. Guarantees closing date or the company makes your first mortgage payment. Rewards program.

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North American Savings Bank
Read 184 Reviews

Offers mortgages, refinancing, emergency loans and more. Special services for veterans. Multiple locations across the Kansas City, Missouri, area. Online services available nationwide. Online mortgage rate calculator.

Learn More Call Now Toll Free (844) 489-1676
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ClearPath Lending
Read 1,063 Reviews

Nationwide mortgage lender based in California. Offers VA, FHA, conventional and jumbo loans in almost every state. Specializes in fixed-rate and adjustable-rate loans and guarantees low prices. Prequalifications in 15 minutes.

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Vanderbilt Mortgage
Read 2,100 Reviews

Provides mortgage financing for manufactured, mobile and modular homes. Mortgages include conventional, FHA, biweekly and land loans. Programs for low credit scores. Closing fees usually from 3% to 5%. Online mortgage calculator.

BOK Financial Mortgage
Read 1,710 Reviews

Offers home loans, mortgage refinancing and home equity loans with competitive rates and flexible plans. Online application. Prioritizes one-on-one customer support. Diverse mortgage products. Lenient down payment requirements.

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Accurate Mortgage Group Read Author Review

Offers qualifying customers $2,000 towards closing costs. Waives underwriting, origination and processing fees. Provides five different mortgage options to choose from, including FHA, conventional, USDA, VA and jumbo loans.

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American Mortgage Loan Services Read Author Review

Provides free estimates on mortgages to help customers compare rates. Closes in just 19 days on average. Has helped over 130,000 customers and processed over $335 million in loans.

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America’s Money Source Read Author Review

Provides a free mortgage calculator to estimate your monthly payments. Has an online interest rate comparison table to help customers. Website has a helpful blog to answer general questions.

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Equity Prime Mortgage Read Author Review

Offers down payment assistance and energy-efficient mortgages. Quickly processes preapproval applications. Provides a helpful smartphone app with a mortgage calculator.

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Florida Home Funding Read Author Review

Offers several different loan options. Provides fast closing times. Available evenings and weekends to accommodate any customer’s schedule.

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Streamline Mortgage Solutions Read Author Review

Offers FHA, conventional loans and VA loans for active military and veterans. Applicants need at least a 620 credit score, a minimum 3% down payment and a maximum debt-to-income ratio of 49.9%. Provides FHA refinancing.

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Waterstone Mortgage Orlando Read Author Review

Offers a specialty Community Heroes loan program for police, firefighters, EMTs, paramedics and teachers. Provides a specialty loan for borrowers looking to build their new homes.

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orlando skyline

Current mortgage rates in Orlando

Interest rates for home loans vary, so the first step to finding out how much house you can afford is looking up current mortgage rates in Orlando. Enter this information into a mortgage calculator to discover how much you can afford in Florida. Have other info ready as well, such as your income, down payment and desired loan term.

Finding an Orlando mortgage

Floridians use a variety of mortgage loans, but many factors influence what type of mortgage you need. We picked some areas around Orlando and matched them with suitable mortgage programs so you can get an idea of what loans are typically used.

  • Rowena Gardens: This neighborhood is a good match for fitness enthusiasts and families with children in school. Rowena Gardens is also known for its abundance of bars, restaurants, coffee shops and parks. With median home values near $452,000, many residents opt for 30-year conventional loans.
  • Winter Springs: Residents enjoy this area’s excellent public schools, cheap housing, low crime rate and nightlife. Its median home value is just $227,200, so young professionals and first-time homebuyers looking to live here should consider FHA loans.
  • Rose Isle: This area has a great nightlife while still being a good fit for families. It has many bars, restaurants, coffee shops and a great school district. With median home values around $547,000, a jumbo loan might be necessary to buy here.

Federal mortgage requirements in Orlando, FL

Federal loan limits change over time, but most Orlando neighborhoods have low enough home prices that buyers can qualify for conforming loans. Residents in more affordable areas can meet the lower FHA loan maximum. To qualify for these loans, applicants should have at least decent credit scores (650 and up) and moderate debt-to-income ratios.

Choosing a mortgage company in Orlando, FL

Choosing a mortgage lender is one of the most crucial decisions you'll make as you search for a home loan. It’s essential to find a lender that’s right for your financial situation. Look for a mortgage company in Orlando that has:

  • Low interest rates
  • Good loan terms
  • Acceptable credit requirements
  • Positive customer reviews
  • Suitable availability, including nights and weekends if you can’t take off work
  • Special programs or incentives, especially if you are a first-time homebuyer or veteran

Once you’ve found several suitable mortgage lenders in Orlando, get preapproved to compare their offers. While a low mortgage rate is important, there are other factors worth considering. Once you’ve chosen a lender, you can start looking for a new home in earnest.

Orlando home loan FAQ

Can you put an offer in for a house without a mortgage in Orlando?
Yes, you can technically submit an offer on a house without being approved for a mortgage, but it’s a contingent offer that still has to be approved by a mortgage lender. We recommend getting preapproved for a more convenient homebuying experience.
What is the mortgage rate in Florida?
Florida mortgage rates fluctuate periodically, so it’s best to look up rates whenever you’re ready to buy. We recommend the mortgage rate tool from the Consumer Finance Protection Bureau.
How quickly can you get a mortgage offer in Orlando?
You can get a mortgage offer in as little as a few days, but most take a couple of weeks, depending on your debts, assets, credit score and employment.

Not sure how to choose?

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    Orlando mortgage company information

    Florida Home Funding

    Florida Home Funding claims to offer some of the lowest mortgage rates in Orlando. It also closes on property sales in as few as 14 days. Applicants must have a credit score of at least 620 for most loans but only 580 for FHA loans. The company can also fold closing costs into your monthly payments if you don’t have the money upfront and don’t mind adding a little more to your mortgage rate.

    • Address: 390 N. Orange Ave., Ste. 2125, Orlando, FL 32801
    • Phone: (407) 704-8729
    • Hours: M - F: 8:30am - 9pm; Sat - Sun: 9am - 7pm
    • Website: flhomefunding.com
    Streamline Mortgage Solutions

    StreamLine Florida offers conventional loans with no upfront fees and a range of options for down payments. All you need to qualify is a 620 credit score, a minimum 3% down payment and a maximum 49.9% debt-to-income ratio. It also offers VA loans for service members, veterans and eligible surviving family members. It provides FHA refinancing, which gives you an even lower monthly payment without a new appraisal.

    • Address: 1310 E. Robinson St., Orlando, FL 32801
    • Phone: (407) 898-4477
    • Hours: M - Sun: 8:30am - 8:30pm
    • Website: streamlineflorida.com
    American Mortgage Loan Services

    American Mortgage Loan Services has served more than 130,000 people and processed over $335 million in loans. It also provides free quotes to get homebuyers and refinancers started. American Mortgage Loan Services’ closing average is 19 days.

    • Address: 617 E. Colonial Drive, Ste. A, Orlando, FL 32803
    • Phone: (407) 331-4700
    • Hours: M - Sat: 9am - 9pm; Sun: 9am - 7pm
    • Website: approvedamerican.com
    Accurate Mortgage Group

    Accurate Mortgage Group gives $2,000 towards closing costs to customers with FICO scores higher than 660 and a loan amount of more than $180,000. The company doesn’t charge underwriting fees, origination fees or processing fees. It offers five different loan options: FHA, conventional, USDA, VA and jumbo mortgages.

    • Address: 7901 Kingspointe Parkway, Ste. 21, Orlando, FL 32819
    • Phone: (407) 856-5622
    • Hours: M - F: 9am - 6pm
    • Website: amglenders.com
    Equity Prime Mortgage

    Equity Prime mortgage makes borrowing convenient with 100% FHA financing available through city and state bond programs and mortgage credit certificates. It also has an app that lets you calculate payments, get preapproved and scan and download any application documents.

    • Address: 2290 Lucien Way, Maitland, FL 32751
    • Phone: (407) 455-6800
    • Hours: M - F: 8am - 6pm
    • Website: equityprimeorlando.com
    America’s Money Source

    America’s Money Source offers a mortgage calculator to show customers how much house they can afford. The company also provides an interest rate comparison table where customers can choose different percentage increments to fine-tune their mortgage shopping.

    • Address: 2306 Curry Ford Road, Orlando, FL 32806
    • Phone: (407) 898-7559
    • Hours: M - F: 9:30am - 6:30pm
    • Website: americasmoneysource.com
    Waterstone Mortgage Orlando

    Waterstone Mortgage offers a Community Heroes for police officers, firefighters, teachers, emergency medical technicians and paramedics. This loan’s terms include a 1% down payment and a 5/1 or 7/1 adjustable rate. The company also offers a Single Loan Close Construction Program for people building their new homes. This loan includes a 5% down payment and hassle-free drawing process for builders.

    • Address: 2699 Lee Road, Ste. 600, Winter Park, FL 32789
    • Phone: (407) 644-0870
    • Hours: M - F: 8:30am - 5:30pm
    • Website: waterstonemortgage.com
    by Sandi Pope ConsumerAffairs Research Team

    Sandi Pope previously worked in the nonprofit sector as an advocate for environmental and social change and believes information access is a human right. As a member of the ConsumerAffairs Research Team, she seeks to provide consumers with the necessary information needed in making life-altering decisions.

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