Orlando, Florida

Orlando mortgage broker.
Home, getaway or vacation rental.

Will you live in it, visit it or rent it out? In Orlando, that answer sets the loan rules. Oak Capital Mortgage, an independent broker, puts options from many wholesale lenders in front of you and explains the trade-offs in plain terms.

Takes about 2 minutes. A quick inquiry, not a loan application.

Conventional • DSCR Investor • FHA • VA • Jumbo • Bank Statement • Renovation • Bridge

Central Florida

One market, a lot of different buyers.

Orlando draws people relocating for work, families moving into new communities, and investors buying near the parks. Each needs a different kind of loan, and we compare options across lenders for all of them.

Occupancy, decided first

A home you live in, a getaway you visit and a rental you lease out are three different loans. We pin down the right occupancy type before you start touring.

Lake Nona and Horizon West costs

Many newer communities here, and across Osceola County, carry HOA dues and Community Development District assessments. Both go into your budget from day one.

Rentals near the attractions

Investors look at Kissimmee, ChampionsGate and Davenport for vacation homes where local rules allow them. DSCR loans qualify on the rent the property can bring in.

Inspection and loan approval periods

The standard Florida purchase contract sets an inspection period and a loan approval period. We get your file to underwriting early so those dates pass calmly.

Orlando financing

Home base, getaway or rental near the parks.

Think of a townhome near UCF, a lake house in Winter Park or a vacation rental outside Kissimmee. Each fits a different loan. Choose one to learn more.

Conventional

Covers primary residences and second homes from Clermont to Sanford, including newer HOA and CDD communities.

Often a fit for: buyers with established credit and steady pay.

FHA

Government-insured, with a lower down payment and room for a thinner credit history. FHA explained.

Often a fit for: first-time buyers in Kissimmee, Apopka and east Orange County.

DSCR Investor

Expected rent qualifies the loan, and some lenders accept short-term rental income where the community permits it.

Often a fit for: vacation-home investors in ChampionsGate, Davenport and Kissimmee resort areas.

Jumbo

For homes priced beyond the $832,750 conforming limit in Winter Park, Windermere, Dr. Phillips and Lake Nona.

Often a fit for: lakefront and executive moves.

VA

Benefits earned through service, with no down payment required for eligible borrowers. VA overview.

Often a fit for: Central Florida veterans, reservists and eligible surviving spouses.

Bank Statement & Asset-Based

Deposits or liquid assets replace tax returns as proof you can carry the payment.

Often a fit for: hospitality, events and tourism entrepreneurs.

Renovation

One loan covers the purchase and the updates, sized to the home’s value once the work is done.

Often a fit for: buyers eyeing College Park, Audubon Park and Delaney Park.

Bridge

Buy the next house before the current one sells, drawing on equity you’ve built. Bridge loan basics.

Often a fit for: move-up buyers chasing a particular lake or neighborhood.

Starting out

Owning in Orlando may be closer than it looks.

A townhome near UCF or a starter home in Kissimmee may take less cash than you assume. Some programs work with a smaller down payment, and some let a relative chip in with a gift. We list what you would bring to closing for each choice, plus any HOA or CDD charges.

Around the region

Winter Park, Lake Nona and the attractions corridor.

Our Central Florida work spans Orange, Seminole, Osceola and Lake counties, along with the Polk County communities closest to the attractions.

In Orlando

Downtown · Thornton Park · Lake Eola Heights · College Park · Audubon Park · Baldwin Park · Delaney Park · Lake Nona · Dr. Phillips

North & West

Winter Park · Maitland · Lake Mary · Oviedo · Sanford · Winter Garden · Windermere · Horizon West · Clermont

South

Kissimmee · St. Cloud · Celebration · ChampionsGate · Davenport

Shopping Central Florida from Charlotte, Raleigh or another Carolina city? We are licensed in both Carolinas as well as Florida, so the move can run through one team.

Client reviews

Clients tell the story better than we can.

Read all reviews on Google ↗

    
 
 
       Posted on Google  
   
   Lynda N 
 
 
 
 Trustindex verifies that the original source of the review is Google. Matt and Jordyn have been absolutely phenomenal to work with. This is now my second home purchase using Oak Capital and I couldn’t be happier with the communication and honesty and speed. 10/10 recommend!
  
 
      Posted on Google  
   
   Shontek S 
 
 
 
 Trustindex verifies that the original source of the review is Google. Working with Matthew and Jordyn was truly an amazing experience. From the beginning to the closing table, they made the entire home buying process feel smooth, stress-free, and manageable. They were patient, knowledgeable, responsive, and always willing to answer my questions throughout every step.

There were moments during the process that felt overwhelming, but they continuously reassured and guided me through it all. Their professionalism, communication, and dedication made such a difference for me and my family. I’m beyond grateful for their hard work in helping me become a homeowner. I highly recommend them to anyone looking to purchase a home!”
  
 
      Posted on Google  
   
   Shane S 
 
 
 
 Trustindex verifies that the original source of the review is Google. I've used Hayden and his team twice for a mortgage and a refinancing and cannot recommend them enough. Throughout the whole process, they remained exceptionally responsive and easy to communicate with, making each process as smooth and simple as it could possibly be. Their knowledge and ability to proactively move the process along allowed me to take a seat back and know that I was in good hands. Hayden always kept in mind the rate that I wanted to refinance at and regularly reached out to me until we approached a time where we could make it happen. The refinancing process was as seamless as I could imagine it going. Great people who are working on your side and are always available to assist.
  
 
      Posted on Google  
   
   Ryan Y 
 
 
 
 Trustindex verifies that the original source of the review is Google. Wonderful/professional experience throughout the entire process from start to finish. The staff always answered my questions same day. They took the time to actually speak with me and the best options. Highly recommend Oak Capital Mortgage!!!
  
 
      Posted on Google  
   
   Alyssa R 
 
 
 
 Trustindex verifies that the original source of the review is Google. Hayden and Oak Capital Mortgage are awesome! Hayden acted like a partner every step of the way, always available when I needed him  most, and always collaborative. This was my first time buying a house and I was doing it solo. Hayden always stayed cool and collected, and was also on top of things when I wanted to jump on an offer. I was talking to a few lenders in the beginning, but Hayden is the only one who just reached out (even after I signed on with him) to see how things were going, say hi, ask about the house hunt, and just be friendly and that all went a long way. Closing was a breeze on his end (even though I myself had a little hiccup, he was cool about it and always solutions-oriented). Thanks Hayden!
  
 
      Posted on Google  
   
   DEBRA H 
 
 
 
 Trustindex verifies that the original source of the review is Google. Matthew and Jordyn were amazing to work with! They are very knowledgeable, proactive and detail oriented! Closing ahead of schedule! Nice work! Highly recommend them to anyone looking for a home loan!
  
 
      Posted on Google  
   
   Sam M 
 
 
 
 Trustindex verifies that the original source of the review is Google. Something so boring as a mortgage shouldn't also be stressful. And yet, it tends to be. Matthew Hassey and Jordyn Minton at Oak Capital couldn't fix the boring part, but they definitely made it less stressful. They were extremely clear and communicative, and answered each and every question I had, no matter how absurd. Do yourself a favor and work with them.
  
 
      Posted on Google  
   
   Anthony M 
 
 
 
 Trustindex verifies that the original source of the review is Google. Everything was great. Thank you for being there for us.
  
 
      Posted on Google  
   
   Visal S 
 
 
 
 Trustindex verifies that the original source of the review is Google. Matthew Hassey and his team at Oak Capital are the best ! They will take care of you like they did us! It was smooth and easy and we walked away happier than we expected!
  
 
      Posted on Google  
   
   John S 
 
 
 
 Trustindex verifies that the original source of the review is Google. As first time homeowners, my wife and I were naturally overwhelmed with information as we were shopping around lenders, to the point that we almost backed out of the whole ordeal. That is, until we switched to Oak Capital Mortgage and were paired with Hayden Wilson. Hayden was honest and transparent with us throughout the entire process from the moment he picked up the phone, and for that reason alone, I cannot recommend these folks enough. Nothing hidden from us, and every scenario laid out clearly for us to evaluate everything in its entirety.  10/10 service - you guys knocked it out of the park.

Questions

Orlando buyers want to know.

Don’t see yours? Call (704) 275-8175.

Can I finance a short-term rental near Disney or Universal?

In many cases, yes. A DSCR loan can qualify you on the home’s projected rental income rather than your paycheck. Around the parks, short-term rentals are allowed only in specific resort communities and zones, many of them in Osceola and Polk counties, so verify HOA and local rules before you make an offer.

If I rent my vacation home some weeks, is it a second home or an investment?

It depends on how you’ll mainly use it. A second home is primarily for your own stays, while a property bought mostly to rent is an investment, and lenders qualify each differently. Being clear upfront keeps the loan matched to reality.

Why does my Lake Nona or Horizon West tax bill include a CDD?

Many neighborhoods in Horizon West and Lake Nona were developed with Community Development Districts, special taxing districts that financed roads, utilities and amenities. Each year’s CDD assessment appears on your property tax bill, and lenders fold it into your monthly obligations. Ask your agent for the current amount while you’re still comparing homes.

What deadlines does a Florida purchase contract set?

The standard Florida Realtors/Florida Bar contract includes an inspection period and a loan approval period, and the dates you agree to drive the schedule. Being preapproved before you sign helps you meet them without scrambling.

I'm relocating to Orlando for a new job. Can I start before I move?

Usually. Plenty of buyers shop Central Florida from out of state, and many lenders can work from a signed offer letter, subject to their guidelines. Calls, video meetings and e-signature cover nearly everything, so your search can start before the moving truck does.

What does a mortgage broker do differently from a bank?

Walk into a bank and you’ll see that bank’s loans. As an independent broker, Oak Capital sends one application to a range of wholesale lenders, then lays the offers out side by side, which is handy when you’re comparing a primary home in Winter Park with a rental in Davenport.

Local market guides

More Florida guides.

Florida overview · Jacksonville · Tampa · Miami · Sarasota

Primary home or vacation rental? Let's map it out.

Tell us how you plan to use the home. The online form takes a couple of minutes, or just call, and a loan officer follows up by phone or email.

Oak Capital Mortgage, LLC · NMLS #1960829 · 1800 Central Ave, Suite 301, Charlotte, NC 28205. All loans are subject to credit approval and underwriting.

Orlando mortgage broker.Home, getaway or vacation rental.