Home › Florida Home Loans › Orlando Home Loans
Now Lending in Orlando

Orlando home loans —
the City Beautiful.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Orlando and Orange County. From first-time buyers in Baldwin Park and College Park to new construction in Lake Nona, we bring local guidance to the heart of Central Florida — with the ability to close in as little as 14 days* and pre-approvals often issued the same day.

Get Pre-Approved Call (561) 299-5825
Central Florida
Orange County Coverage
14 days*
Close In As Little As
$832,750
2026 Orange County Conforming Limit
5.0 ★
Google Review Rating
Orlando Markets

Local lending across
every Orlando neighborhood.

Orlando Neighborhoods

Master-planned new construction alongside walkable, established in-town districts.

  • Lake Nona & Medical City
  • Baldwin Park & College Park
  • Dr. Phillips & Windermere area
  • Downtown, Thornton Park & Audubon Park
Theme-Park Capital

A fast-growing economy powered by tourism, tech, healthcare, and aerospace.

  • New-construction & first-time programs
  • Second homes & short-term rentals
  • Orange County coverage
  • Minutes to MCO & the attractions
Every Kind of Orlando Buyer

From first homes to move-up, vacation, and investment purchases.

  • First-time & move-up buyers
  • New construction & townhomes
  • Vacation & short-term-rental financing
  • Investment & rental properties (DSCR)
Lake NonaBaldwin ParkCollege ParkDr. PhillipsThornton ParkAudubon ParkWinter GardenHunters CreekConway
Loan Programs in Orlando

Financing for every
kind of Orlando buyer.

FHA Loans

3.5% down with flexible credit — the most popular path for first-time Orlando homebuyers.

Learn more →
VA Loans

0% down for Orlando's veterans and active-duty service members. No monthly mortgage insurance.

Learn more →
Conventional Loans

Fixed and ARM options within the local $832,750 conforming limit for strong-credit borrowers.

Learn more →
Jumbo Loans

High-balance financing for Orlando's luxury and higher-priced markets above conforming limits.

Learn more →
DSCR Loans

Qualify on rental income to scale your Orlando investment-property portfolio.

Learn more →
Non-QM Loans

Bank statement and alternative-doc programs for Orlando's self-employed borrowers.

Learn more →
FAQ

Orlando mortgage
questions answered.

We serve homebuyers and homeowners throughout Orlando and Orange County, including Lake Nona, Baldwin Park, College Park, Dr. Phillips, and downtown, plus nearby Winter Garden and Windermere.
The 2026 conforming loan limit is $832,750 in Orange County, including Orlando. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's higher-priced homes.
Orlando borrowers have access to FHA, VA, conventional, jumbo, Non-QM, DSCR, commercial, private money, and second mortgage / HELOC financing — for primary residences, second homes, and investment properties.

Ready to start your Orlando home journey?

Get pre-approved today — no cost, no obligation. Orlando borrowers, let's get you to the closing table.

Start My Application Call (561) 299-5825