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.
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 a Orlando mortgage
Tayton Capital is a mortgage brokerage licensed in Colorado and Florida, helping buyers across Central Florida — including Orlando — find the right loan program at a competitive rate. We work with conventional, FHA, VA, USDA, jumbo, and DSCR lenders to match each borrower with the best fit.
Get your Orlando loan options
See what you qualify for — fast, free, no obligation.