Winter Park · Orange County

Mortgage Broker in Winter Park, Orange County, Florida

2026 Loan Limits in Winter Park, Orange County

The 2026 conforming loan limit in Orange County is $832,750, covering most Winter Park home purchases. FHA buyers work within Florida's $541,287 floor — 3.5% down, flexible credit, and no income limit for qualifying.

Loan Programs Available

Conventional

Fannie Mae and Freddie Mac financing up to $832,750 in Orange County — primary, second home, and investment.

FHA

3.5% down, flexible credit, no income cap. Winter Park's 2026 FHA ceiling: $541,287.

DSCR

Investment property financing that qualifies on rental income — no personal income documentation required. Common in Winter Park for long-term rentals and small multi-unit properties.

Jumbo & Non-QM

For loans above the conforming ceiling, bank statement, P&L, asset depletion, and foreign national programs are available.

Local Market Notes

Orange County; premium Orlando suburb; Rollins College; strong appreciation.

Frequently Asked Questions

What is the 2026 conforming loan limit in Winter Park, Florida?

Winter Park sits in Orange County, where the 2026 conforming loan limit is $832,750. Loans up to that amount are eligible for Fannie Mae or Freddie Mac financing; anything above is jumbo territory.

What is the 2026 FHA loan limit in Winter Park?

The 2026 FHA loan limit in Orange County is $541,287 for a single-family home. FHA financing allows 3.5% down with flexible credit and no income cap.

What loan programs does Tayton Capital offer in Winter Park?

We offer conventional, FHA, VA, DSCR, jumbo, and Non-QM (bank statement, P&L, asset depletion, foreign national) financing in Winter Park and throughout Florida.