First Time Home Buyer Orlando Florida provides Orlando Florida’s best mortgage rates and terms for  First Time Home Buyers, FHA loans, VA Loans, Jumbo and Non-QM loans.  Offering the best mortgage rates in Orlando allows home buyers In Orlando purchase the home of their dreams at the most affordable rates and terms. 

First Time Home Buyer Programs
Orlando Florida has a number of First time home buyer loan programs from simple W2 employees to full 2 year tax returns, self employed loans, Non QM loans and more with low down payments and fees. Contact us today to craft the loan that best fits your needs. Some qualifications below.

FHA First Time Home Buyer and HomeReady Program Terms

  • A credit score of at least 580 for a 3% down home loan
  • A credit score of 500 to 579 for a 10% down payment
  • FHA loan with 3.5% down payment requirement
  • Mortgage insurance that is offset due to lower FHA interest rates than a conventional loan.
  • FHA Debt to income ratio of 50% or less

Qualify for a 3% down Home Loan in Orlando Florida. Use this application to pre-qualify and start shopping for your new home in Orlando Florida today! Purchase, Refinance, Cash Out Refinance.

Contact us to find out what the loan limits in the county you would like to purchase in. Call now 800-826-5077. 

Prequalify now to see how much of Loan you can qualify for. 

Benefits of Being A First Time Home Buyer In Orlando Florida

Home loan flip application

Conventional Loans:

Conventional loans are traditional mortgage loans offered by private lenders and not insured or guaranteed by government entities. They typically require a 20% down payment but may accept lower down payments with private mortgage insurance (PMI).

FHA Loans (Federal Housing Administration):

FHA loans Orlando are government-backed loans designed for first-time homebuyers with lower credit scores. They require a smaller down payment (3.5%) but come with mortgage insurance premiums.

HomeReady Loans – Start at just 3% Down. Apply Here!

VA Loans (Department of Veterans Affairs):

VA loans Orlando are available to eligible veterans, active-duty service members, and certain surviving spouses. These loans offer 100% financing and generally have competitive interest rates.

USDA Loans (United States Department of Agriculture):

USDA loans are intended for rural and suburban homebuyers with low to moderate incomes. They provide 100% financing and often have lower interest rates.

Jumbo Loans:

Jumbo loans Orlando are used for high-value properties that exceed conventional loan limits. They typically require larger down payments and have stricter credit requirements.

Fixed-Rate Mortgages:

Fixed-rate mortgages have a constant interest rate over the loan term, providing predictable monthly payments. Common terms include 30, 20, or 15 years.

Adjustable-Rate Mortgages (ARMs):

ARMs have interest rates that can fluctuate after an initial fixed period. They often start with lower rates but can increase over time based on market conditions.

Interest-Only Loans:

Interest-only loans allow borrowers to pay only the interest for a specified period, typically 5 to 10 years. Afterward, payments increase to cover principal and interest.

Reverse Mortgages:

Reverse mortgages are designed for seniors aged 62 and older. They allow homeowners to convert home equity into cash, with loan repayment deferred until the homeowner sells the home, moves out, or passes away.

Home Equity Lines of Credit (HELOCs):

HELOCs are revolving lines of credit based on home equity. Borrowers can draw funds as needed, and interest rates are variable. Repayment may include a minimum monthly payment or interest-only payments.

Non-Qualified Mortgage (Non-QM) Loans:**

Non-QM loans Orlando are for borrowers who don’t meet conventional mortgage standards are self employed or do not have a w2 to possibly tax return to show income. Various types include:

Profit and Loss (P&L) Loans:  Suitable for self-employed individuals who may have fluctuating income. Closest thing to a no doc loan.

Statement Loans: Based on bank statements rather than tax returns, beneficial for those with non-traditional income documentation.

Foreign National Loans: Tailored for non-U.S. citizens or non-permanent residents.

Asset Depletion Loan: Uses assets like retirement savings, trust funds, treasuries, etc.,  to qualify you for a loan.

DSCR Loans:

A DSCR loan is typically used when purchasing under an LLC or company and can provide up to 85% LTV. The DSCR loan is based on the assets income and not focused primarily on the borrower. There is no borrower income or employment requirement.


Things To Do In and Around Orlando Florida

Falling Waters State Park
(790) · State park
Chipley, FL, United States

Stump Creek Sausage Meat processor
Orange Hill Gator farm

Animal park
Chipley, FL, United States


Orlando, a city in central Florida, is home to more than a dozen theme parks. Chief among its claims to fame is Walt Disney World, comprised of parks like the Magic Kingdom and Epcot, as well as water parks. Another major destination, Universal Orlando, offers Universal Studios and Islands of Adventure, with the Wizarding World of Harry Potter straddling both.

Schools in Orlando, FL

Edgewater High School
3100 Edgewater Dr · +1 407-835-4900

Cherokee School
550 S Eola Dr · +1 407-897-6440

Boone High School
1000 E Kaley St · +1 407-893-7200

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Live next to a theme parkMost notable for being the hot spot of theme parks, moving to Orlando means having direct access to some of the most popular attractions and tourist destinations in the world.

Walt Disney World, Universal Orlando, Seaworld, Discovery Cove, and LEGOland are all located in Orlando, Florida.



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