Orlando covers a huge range: downtown condos, established neighborhoods, fast-growing suburbs and higher-priced areas where loans can go above conforming limits. The right loan depends a lot on where and what you’re buying.
I'll give you the full monthly cost up front, including taxes, insurance, HOA and anything local, and tell you honestly whether it makes sense. Even if the answer is "wait."
Every area has its own quirks. These are the ones that come up most often when I help people buy in Orlando.
In some Orlando-area neighborhoods, loan amounts can go past the 2026 conforming limit of $832,750. Above that, you’re in jumbo territory, with different down payment and reserve rules.
Florida’s condo safety laws added inspection and reserve requirements. Some buildings can’t get approved for certain loans until they catch up.
Across Central Florida, homeowners insurance is a larger share of the monthly payment than many buyers expect.
Every program is available across Orange County. Which one is right depends on your credit, savings and plans, not on the neighborhood.
Flexible credit guidelines and low down payment. Works well at many Orlando price points.
FHA details → Most popularOften the lowest cost with good credit, and mortgage insurance comes off as you build equity.
Conventional details → Zero downFor eligible veterans, active duty and surviving spouses. Zero down and no monthly mortgage insurance.
VA details → Eligible areasMostly outside the city core. I check any address you’re considering.
USDA details →A few words from people I've helped buy and refinance across Central Florida.
"Attentive. Patient. And always answered my questions promptly. Thank you so much!!!"
"Edwin had a lot of patience throughout the process. He was very clear in everything he explained to me, a serious and reliable person."
"Edwin is very professional and had great communication with us throughout the whole process. This was by far my best and easiest experience obtaining a loan."
Don't see your question? Text me. You'll get an answer from me, not a chatbot.
Text 863-695-2265For 2026, the conforming loan limit for a one-unit home is $832,750. The FHA limit for most Central Florida counties, including Orange, is $541,287 for a one-unit home. Limits for 2–4 unit properties are higher. HUD and FHFA publish these limits each year, and I confirm the current number for your exact county when we talk.
Often, yes. Florida Housing offers statewide programs, including Florida Hometown Heroes for eligible full-time Florida workers and FL Assist for first-time buyers. These are offered through participating lenders and have income and credit requirements. Orange County has also offered local assistance at times, funded by programs that open and close. I’ll check what’s available for you right now.
If your loan amount is above the 2026 conforming limit of $832,750 for a one-unit home, you’ll need a jumbo loan. Jumbo loans usually need stronger credit and more reserves. Sometimes adjusting your down payment keeps you under the limit, which I’ll show you.
If the home is your primary residence, you can file for Florida’s homestead exemption, which can reduce the taxable value of your home by up to $50,000 and caps annual increases in assessed value. You file with the Orange County Property Appraiser by March 1 of the year after you buy. One honest warning: taxes are often reassessed after a sale, so the seller’s current tax bill may be lower than yours will be. I estimate your taxes at the new price.
Yes. I’m licensed in Florida (NMLS #931021) through Homespire Home Loans and work with buyers across Orange County and Central Florida. My number, 863-695-2265, reaches me directly. Call or text anytime, and we can meet by phone, video or in person.
Loan limits shown are for 2026 one-unit properties and are published annually by FHFA and HUD. Program availability, assistance funding and eligibility change and are subject to underwriting. This is not a commitment to lend. All loans subject to credit approval and underwriting guidelines. Rates and terms are subject to change without notice.
Free, no-obligation. No credit pull for the initial conversation. Same-day pre-approval in most cases.