Mortgage Broker in Lakeland, FL — Polk County
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
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.
Frequently Asked Questions
What are the 2026 loan limits in Polk County, FL?+
The 2026 conforming loan limit in Polk County is $806,500. The FHA limit is —. 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.