The Orlando mortgage market
Orlando blends a tourism-driven STR market with strong primary residence demand from new residents.
DSCR vacation rental loans are widely used near theme parks and short-term rental zones.
Top loan programs in Orlando
- Conventional — commonly used by Orlando buyers in this market.
- FHA — commonly used by Orlando buyers in this market.
- DSCR — commonly used by Orlando buyers in this market.
- Second Home — commonly used by Orlando buyers in this market.
Explore loan programs in Orlando
How to qualify for a mortgage in Orlando
Qualifying for a mortgage in Orlando follows the same core process as anywhere in Florida: lenders review your credit score, debt-to-income ratio, down payment, and income documentation. The right loan program depends on the property type, your goals, and how the home will be used.
- Primary residences: conventional, FHA, VA, or USDA depending on credit and down payment.
- Second homes: typically conventional or jumbo with 10–20% down.
- Investment properties: conventional investor loans (20–25% down) or DSCR loans based on rental income.
Get pre-approved for an Orlando mortgage
Tayton Capital is an independent mortgage broker licensed in Colorado and Florida, helping buyers across Central Florida — including Orlando — find the right loan program at a competitive rate. As a broker we shop conventional, FHA, VA, USDA, jumbo, and DSCR lenders to match each borrower with the best fit.
What clients say about working with us near Orlando
All 198+ reviews →"Incredibly organized and punctual with documents. Communication was great and overall service was as professional as could be! Would love to work with TJ in the future!"
"TJ and his team are amazing! From the beginning of our home hunting journey, TJ was incredibly reliable, responsive, and approachable. We simply could not have purchased our first home without his wealth of knowledge!"
Get your Orlando loan options
See what you qualify for — fast, free, no obligation.