Mortgage Broker in Orange County, FL

Your Orange County Mortgage Lender — Home Loans, Refinancing & Pre-Approvals

Local expertise. Statewide reach. Every loan program available.

Down Payment Assistance Programs in Orange County

Orange County has a tiered DPA program based on income level, plus access to the City of Orlando program. Eligible buyers can stack up to $115,000+ in total assistance.

County Program: Orange County DPA

Very low-income: Up to $70,000
Low-income: Up to $40,000
Moderate-income: Up to $10,000
Type: Deferred loan (10-year term)
First-time buyer required: Yes
Residency requirement: Must have lived in Orange, Osceola, Lake, Polk, Brevard, Seminole, or Volusia County for at least 12 months

Statewide Programs Available in Orange County

Hometown Heroes: Up to $35,000 — 0% deferred loan for eligible workers
FL Assist: Up to $10,000 — 0% deferred second mortgage
Salute Our Soldiers: Up to $35,000 — for veterans and active military

City of Orlando DPA

Assistance: Up to $45,000
Type: Forgivable loan — forgiven after 10 years of ownership
Purchase price limit: $544,233
Property must be within Orlando city limits
Requires: 8-hour HUD-approved homebuyer education course

Orange County DPA Stacking Example

Hometown Heroes: $35,000 (state)
Orange County DPA: $70,000 (county — very low income)
City of Orlando: $45,000 (city — if in Orlando limits)
Total potential assistance: up to $150,000

Stacking eligibility varies. Contact me to find out what you qualify for.

Conforming Loan Limits

The 2026 conforming loan limit for Orange County is $832,750 for a single-family home. Loans up to this amount qualify for conventional financing with competitive rates. Borrowers needing more can explore jumbo loan options.

Cities We Serve in Orange County

We provide mortgage services throughout Orange County including Orlando, Winter Park, Apopka, Winter Garden, Ocoee, Maitland, Belle Isle.

Home Loans in Orange County

Looking for a mortgage lender who serves Orange County? 1st Capital Group provides expert mortgage guidance to homebuyers and homeowners across Orange County and all of Florida. Whether you’re purchasing your first home, upgrading, or refinancing, we’ll find the right loan program and maximize your savings.

Loan Programs Available

Conventional Loans — As little as 3% down for qualified buyers
FHA Loans — Low down payment, flexible credit requirements
VA Loans — Zero down payment for eligible veterans and service members
USDA Loans — Zero down payment in eligible rural areas
Foreign National Loans — Financing for non-U.S. citizens
DSCR Loans — Investment property loans based on rental income