Orlando Metro Home Loans
Orlando is far more than theme parks, it's a fast-growing metro anchored by Lake Nona's Medical City, a booming healthcare and tech economy, the University of Central Florida, and historic communities like Winter Park. From physicians buying near the hospitals to first-time families in Apopka to executives in Winter Park estates, I finance the whole Orange County market, with the loan that fits each buyer and the honest all-in cost. Access to 240+ wholesale lenders, VA and VA-jumbo for the metro's medical and military professionals, and Florida's no state income tax working for you. NMLS #233747.
The Orlando Metro at a Glance
Lake Nona
Tavistock’s 17-sq-mi Medical City, townhomes ~$400K to $2M+ estates, jumbo & VA-jumbo
Winter Park
Historic, tree-lined, established luxury, jumbo & conventional
Orlando
The metro core, diverse neighborhoods and price points, conventional
Apopka
The “Indoor Foliage Capital,” affordable family value northwest of the city, FHA & USDA
Kissimmee
Osceola’s residential side (its Disney vacation-rental market → see Central Florida hub)
Counties
Orange / Osceola limits, pulled live from the loan-limits module
Conforming limit: $832,750 • FHA $541,287 (Orange, Osceola) • pulled live from the loan-limits module
Today’s Purchase Mortgage Rates
Live pricing from the same daily rate feed shown on our Today’s Rates page. These update automatically each day.
Conventional 30-Year Fixed
Conventional – Primary Residence
FHA 30-Year Fixed
FHA – Primary Residence
VA 30-Year Fixed
VA – Primary Residence
Rate Assumptions
Purchase, 30-yr fixed, $300K Loan, $400K Value, Credit 759
APR & Disclosures
The Annual Percentage Rate (APR) shown reflects the cost of credit over the loan term, including applicable fees, and is based on the assumptions above. Your actual rate and APR depend on your credit profile, loan amount, property, occupancy, and other factors. For information purposes only and does not constitute a loan approval or commitment to lend. Rates are subject to change without notice.
Monthly Payment Calculator
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Lake Nona — Orlando's Medical City (jumbo, VA-jumbo & conventional)
Lake Nona is Orlando's future, a 17-square-mile master-planned community by Tavistock that turned former cattle land into one of the most innovative developments in the country. The Lake Nona Medical City anchors it: the Orlando VA Medical Center, Nemours Children's Hospital, the UCF College of Medicine, and the USTA National Campus. Homes run from the $400Ks for townhomes to $2M+ for lakefront estates in Laureate Park, Eagle Creek, and Lake Nona Golf & Country Club, with much of the premium inventory above the $832,750 conforming limit. That makes it primarily a jumbo market, with a distinctive angle: the concentration of physicians and medical professionals means I structure a lot of jumbo financing here (including for complex physician income), and active-duty and veteran medical professionals at the Lake Nona VA can use VA jumbo with zero down. Lake Nona is still building, so I offer one-time-close construction-to-permanent jumbo loans for approved lots and builders. Townhomes and smaller Northlake Park and Laureate Park homes under the limit finance conventional (3% down for the metro's younger medical residents and growing families).
Winter Park — historic Orlando luxury (jumbo & conventional)
Winter Park is Orlando's most established prestige address, brick streets, oak canopies, Park Avenue, Rollins College, and lakefront estates. Much of it is jumbo territory above the conforming limit, while condos, townhomes, and homes in areas like Hannibal Square fall within conventional limits. Buyers here are typically established professionals and executives prioritizing character, walkability, and schools.
Orlando & Apopka — the metro core and affordable value (conventional, FHA & USDA)
Orlando proper spans the full range, downtown and Milk District condos, established neighborhoods, and newer subdivisions, a broad conventional and FHA market driven by the healthcare, tech, hospitality, and university economy. Apopka, northwest of the city (the “Indoor Foliage Capital of the World”), is the affordable-family-value side of Orange County, a strong FHA (under the $541,287 limit) and, on its rural edges, USDA zero-down market for first-time and move-up buyers who want more house for the money within metro reach.
Loan Programs across the Orlando Metro
Jumbo
The Lake Nona and Winter Park tool above $832,750; physician-income and one-time-close construction options.
VA / VA jumbo
Zero down, no PMI, no limit with full entitlement; for the metro’s medical and military professionals.
Conventional
3–5% down, PMI cancels at 20% equity; the metro-wide default.
FHA
3.5% down, the first-time entry in Orlando and Apopka; Orange County limit $541,287.
USDA
Zero down in eligible rural areas around Apopka and the metro edges.
DSCR / Investment
For metro rentals (and the Kissimmee/Disney vacation-rental market, see the Central Florida hub).
Orlando Mortgage FAQ
Do I need a jumbo loan to buy in Lake Nona?+
Can medical professionals get special financing near Lake Nona?+
Can I get a construction loan to build in Lake Nona?+
What is the conforming loan limit in the Orlando area?+
Is Winter Park always a jumbo market?+
Where’s the best value for first-time buyers in the Orlando metro?+
Can I buy a vacation rental near the Orlando theme parks?+
Do you finance the whole Orlando metro?+
Emmett Clark — NMLS #233747
I finance across the Orlando metro, a Lake Nona home near the hospitals, a Winter Park estate, or a first home in Orlando or Apopka, with jumbo, physician, VA, and first-time options and the honest all-in cost. It starts with a quick conversation.
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Buying in the Orlando Metro?
Tell me your situation, a Lake Nona home near the hospitals, a Winter Park estate, a first home in Orlando or Apopka, and I'll tell you which loan fits and get you pre-approved. Quick response, no obligation.
Get Your Home Loan Quote
Connect with Emmett directly. Quick response, personalized guidance for your the Orlando metro home purchase.
Why Contact Emmett?
- ✓ Local the Orlando metro market expertise
- ✓ Access to 240+ wholesale lenders
- ✓ Same-day pre-qualification available
- ✓ No obligation, free consultation