New construction timing
Extended build timelines change how rate locks and buydowns should be evaluated.
Florida markets
Mortgages for Orlando and Central Florida
Orlando combines steady population growth, heavy new construction and one of the most active rental and short-term rental markets in the country. That produces a wide mix of buyers: first-time purchasers, relocating families and investors all competing in the same market.
We work across all three, with particular attention to how new-construction timelines and rental income treatment affect financing.
Areas served
- Orlando
- Winter Park
- Lake Nona
- Kissimmee
- Winter Garden
- Altamonte Springs
- Clermont
- Central Florida
Core Financial, Inc. works with borrowers throughout Florida.
Buying here
What buyers in this market should plan for
First-time buyer strategy
Low down payment programs and seller credits are widely used across Central Florida price points.
Short-term rental zoning
Financing for short-term rental property depends on both zoning and program eligibility.
Financing
Programs used most in this market
Conventional and FHA
Core programs for the majority of Central Florida purchases.
VA financing
For eligible service members and veterans across the region.
DSCR and investor
Cash-flow qualification for rental and vacation-rental acquisitions.
Investors
Investment property financing
Central Florida's rental market draws investors statewide and nationally. DSCR financing is common for short-term rental purchases where personal income documentation is not the limiting factor.
Run the numbers
Estimate a monthly payment in Orlando
Adjust price, down payment, taxes, insurance and HOA to see a full estimated payment.
$
Down payment
20% · $95,000
%
yrs
$
$
$
%
Not applied at or below 80% LTV.
$
Estimated monthly payment
$3,219
Principal & interest$2,402
Property taxes$517
Homeowners insurance$300
Mortgage insurance (PMI)$0
HOA$0
Loan amount$380,000
Down payment$95,000 (20.0%)
Total principal & interest over term$864,669
Total interest$484,669
Want numbers based on your actual situation?
These estimates use assumptions you entered. A real scenario accounts for your credit, program, property and current pricing.
Your team
Talk to a licensed loan originator
- 25+ years in finance & markets
- University of Florida — Finance
- Former Morgan Stanley advisor
- Trading & hedge fund background
- Mortgage strategy & education
- Originating since 2006
- ~20 years mortgage experience
- 60+ transactions in the past year
- Conventional · FHA · VA · Jumbo
- DSCR · Bank Statement · Non-QM
Orlando mortgage FAQs
Next step
Want numbers based on your actual situation?
Book a short consultation with Chris or Jesse — no obligation, just a straight answer about your options.