Mortgage Broker in Volusia County, FL

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

Local expertise. Statewide reach. Every loan program available.

Down Payment Assistance Programs in Volusia County

Volusia County (Daytona Beach area) has a county homebuyer assistance program plus access to all statewide DPA programs.

County Program: Volusia County Homebuyer Assistance

Assistance: Varies by income level
Type: Zero-interest 15-year deferred loan
Purchase price limit: $327,750
Coverage: Volusia County (excluding Daytona Beach and Deltona city limits)

Statewide Programs Available in Volusia 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

Volusia County residents also qualify for the Orange County regional DPA program (up to $70,000) if they’ve lived in the region for 12+ months. Contact me for details.

Conforming Loan Limits

The 2026 conforming loan limit for Volusia 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 Volusia County

We provide mortgage services throughout Volusia County including Daytona Beach, Deltona, Port Orange, Ormond Beach, New Smyrna Beach, DeLand, Edgewater.

Home Loans in Volusia County

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