Mortgage Broker in Seminole County, FL

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

Local expertise. Statewide reach. Every loan program available.

Down Payment Assistance Programs in Seminole County

Seminole County buyers benefit from the Orange County regional DPA program plus all statewide programs. Combined assistance can reach up to $105,000+.

Regional Program: Orange County DPA (covers Seminole)

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)
Residency requirement: Must have lived in Orange, Osceola, Lake, Polk, Brevard, Seminole, or Volusia County for 12+ months

Statewide Programs Available in Seminole 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

Seminole County DPA Stacking Example

Hometown Heroes: $35,000 (state)
Orange County Regional DPA: $70,000 (regional — very low income)
Total potential assistance: up to $105,000

Contact me to find out what you qualify for.

Conforming Loan Limits

The 2026 conforming loan limit for Seminole 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 Seminole County

We provide mortgage services throughout Seminole County including Sanford, Altamonte Springs, Oviedo, Lake Mary, Longwood, Casselberry, Winter Springs.

Home Loans in Seminole County

Looking for a mortgage lender who serves Seminole County? 1st Capital Group provides expert mortgage guidance to homebuyers and homeowners across Seminole 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