Mortgage broker in Lakeland, FL — FHA, USDA, conventional, and first-time buyer programs.
Lakeland sits between Tampa and Orlando in Polk County, offering more affordable housing than either major metro. The Lakeland-Winter Haven MSA has grown significantly as buyers seek alternatives to Tampa and Orlando prices. Strong first-time buyer, FHA, and USDA activity in eligible areas.
Top Loan Programs in Lakeland
FHA and conventional are most active. USDA eligibility exists in parts of Polk County outside the Lakeland city limits. Strong first-time buyer market.
Compare loan options
Side-by-side breakdowns for the programs Lakeland buyers weigh most often.
- FHA vs. Conventional →Down payment, credit, and mortgage insurance trade-offs.
- VA vs. FHA →Two low-down-payment options — which one costs less.
Buying in Lakeland from Out of State?
We're licensed in both Colorado and Florida — one broker, both states. Most of our Florida clients close fully remotely with e-sign and mobile notary. No office visit required.
Popular Lakeland Neighborhoods
South Lakeland, North Lakeland, Lake Hunter, Kathleen, Plant City, Winter Haven
Frequently Asked Questions
What are the 2026 loan limits in Polk County, FL?+
The 2026 conforming loan limit in Polk County is $832,750. The FHA limit is $541,287. VA loans have no county loan limit for borrowers with full entitlement. Loans above the conforming limit require jumbo financing.
What down payment do I need to buy in Lakeland, FL?+
Down payment requirements depend on the loan: 0% for VA and USDA (where eligible), 3.5% for FHA, 3–5% for conventional first-time buyers, 10–20% for jumbo loans, and 20–25% for DSCR investor loans.
Can I get a mortgage in Lakeland if I live in Colorado?+
Yes — Tayton Capital is licensed in both Colorado and Florida. We close fully remote using e-sign and mobile notary at closing. Most out-of-state buyers never need to visit our office.
Does Tayton Capital do DSCR loans in Lakeland?+
Yes. DSCR loans qualify based on the property's rental income — not your W-2 or tax returns. They're available for single-family, condos, and 2–4 unit properties in Lakeland with a minimum 20–25% down payment.
Ready to buy in Lakeland?
Get pre-approved in minutes — we'll follow up the same day with loan options tailored to Polk County.
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