Mortgage broker in Orlando, FL
Buying, refinancing or tapping your equity in Orlando? Gillors is a licensed Florida mortgage broker comparing options from multiple lenders, with a real person guiding you to closing.
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Home loans for Orlando buyers and homeowners
Orlando is the county seat of Orange County, home to about 320,000 people. Beyond the theme parks, the city is built around neighborhoods and lakes, with Lake Eola Park at the center of downtown and the University of Central Florida to the east.
About six in ten Orlando households rent, so many buyers here are moving from renting to owning, and the median home value is about $394,000. Gillors compares FHA, conventional and VA options from multiple lenders, including first-time buyer programs.
Orlando at a glance
Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates.
Home purchase loans in Orange County, 2021–2025
Lenders made 14,038 home purchase loans in Orange County in 2025. That is 39% fewer than in 2021 and 4% fewer than in 2024. Higher rates since 2022 have kept many owners in place, so buyers today often face less competition than in 2021.
Source: CFPB, Home Mortgage Disclosure Act (HMDA) data. Originated home purchase loans, Orange County, FL.
Average home purchase loan in Orange County
The average purchase loan in Orange County grew from about $373,000 in 2021 to $483,000 in 2025, up roughly 29%.
Source: CFPB HMDA data. Average loan amount, originated home purchase loans, Orange County, FL.
How Orange County borrowers financed their homes in 2025
Share of all home loans made in Orange County in 2025 (purchase and refinance), by loan type. Source: CFPB HMDA data.
Refinance loans in Orange County, 2021–2025
Refinancing dropped sharply after rates rose in 2022, then started to recover: lenders made 6,444 refinance loans in Orange County in 2025, up 26% from 2024. If your rate is higher than today’s, it may be worth checking whether a refinance makes sense.
Source: CFPB HMDA data. Originated refinance and cash-out refinance loans, Orange County, FL.
What to know before buying in Orlando
Conforming vs. jumbo
In 2026 the conforming loan limit for a single-family home in Orange County is $832,750. Loans above that are jumbo loans, which usually need a larger down payment and more savings in reserve.
Florida homestead exemption
If it will be your main home, apply with the Orange County Property Appraiser by March 1. The exemption can take up to $50,000 off the assessed value, and Save Our Homes limits yearly increases in assessed value to 3% or inflation, whichever is lower.
Closing costs in Florida
Buyers usually pay documentary stamp tax on the mortgage ($0.35 per $100 borrowed) and intangible tax (0.2% of the loan). Deed stamps are $0.70 per $100 of the price and are typically paid by the seller.
Florida first-time buyer help
Florida Housing Finance Corporation offers first mortgage and down payment assistance programs for eligible buyers. Income and price limits apply, so ask us whether you qualify.
Insurance and flood zones
Lenders require homeowners insurance with wind coverage, plus flood insurance if the home is in a high-risk flood zone. Get quotes early, because premiums can change what you can afford.
Orlando housing news
- Airport board to weigh $20M deal to revitalize vacant 1980s-era Orlando shopping centerThe Business Journals · Nov 3, 2026
- Louvolite Selects Orlando as U.S. Hub for International ExpansionOrlando Economic Partnership · Nov 3, 2026
- Hogan Lovells Cadwalader guides on construction loan for luxury Orlando hotelICLG · Nov 3, 2026
- Orlando moves to expand free downtown parking programThe Business Journals · Nov 2, 2026
- Muirfield Breaks Ground on Orlando-Area Opportunity Zone DevelopmentMultifamily Housing News · Oct 28, 2026
Latest local headlines from Google News, updated automatically. Gillors is not affiliated with these publishers.
Questions about mortgages in Orlando
How much do I need for a down payment in Orlando?
It depends on the loan. Conventional loans can start at 3% down for qualified buyers, FHA loans at 3.5% and VA loans at 0% for eligible veterans. On a home near the Orlando median value of about $394,000, even a small down payment can get you started, and assistance programs may help if you qualify.
Can I buy a vacation rental near the theme parks?
Yes, but short-term rental homes are usually financed as investment properties, which need a larger down payment. Some lenders offer loans based on a property’s rental income. Check local short-term rental rules too.
Do I need a jumbo loan?
Only if your loan amount is above $832,750, the 2026 conforming limit in Orange County. We compare jumbo and conforming options for you, including putting more down to stay under the limit.
How long does it take to close on a home?
Most purchases close about 30 to 45 days after your offer is accepted. Getting pre-approved first helps you move quickly when you find the right home.
Ready to buy or refinance in Orlando?
Start with a few quick questions. There’s no credit check to start, and a real person follows up.
What homeowners say
Real reviews from homeowners who worked with Netta Li Fidderer, Senior Loan Officer at Gillors.
Highly recommend Netta Li! It was my first home and the first loan. Netta Li patiently and professionally guided me through the whole process, explaining every term, every detail. Netta Li is very good at communicating! She has always responded very quickly to my texts, emails and calls. …
This is our second deal with Netta Li and like last time she was great, patient and responsive every day, helped us go through the obstacles all the way to a successful deal. Thank you!
I highly recommend Netta Li Fidderer! She is extremely professional, patient, accommodating, and was able to explain the complicated details. I'm happy with the loan that I was able to get with good rates, thanks to her.
