Orlando · Orange County

Mortgage Broker in Orlando, Orange County, Florida

2026 Loan Limits in Orlando, Orange County

The 2026 conforming loan limit in Orange County is $832,750, covering most Orlando home purchases. FHA buyers work within Florida's $541,287 floor — 3.5% down, flexible credit, and no income limit for qualifying. DSCR investors targeting Orlando short-term rentals should confirm permit availability before closing — the city regulates STR licensing, and rental income projections depend on an active, transferable permit.

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. Orlando's 2026 FHA ceiling: $541,287.

DSCR

Investment property financing that qualifies on rental income — no personal income documentation required. Common in Orlando for regulated short-term rentals and long-term rentals.

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; tourism-driven STR market; strong primary residence demand; diverse economy.

Frequently Asked Questions

What is the 2026 conforming loan limit in Orlando, Florida?

Orlando 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 Orlando?

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 Orlando?

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

Can I use a DSCR loan for a short-term rental in Orlando?

Yes — Orlando regulates short-term rentals, so confirm permit availability before closing. DSCR loans qualify on rental income projections and don't require personal income documentation.