Orlando, FL
The straight path to an Orlando mortgage.
Conventional, first-time-buyer, FHA programs sized to Orlando budgets — matched to your Orlando file, from Downtown Orlando to every corner of Orlando.
Can Choice Home Mortgage help me buy a home in Orlando, FL?
Yes. Choice Home Mortgage helps Orlando buyers and homeowners through licensed partner brokers who handle the Florida licensing, while we coordinate the Orlando file and compare many lenders for it. We are a family-owned broker licensed in California (NMLS #2629064), and owner Esther Buede coordinates your loan from the first call to closing.
For Orlando, FHFA's 2026 one-unit limit is $832,750 (Orange County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
Inside the Orlando mortgage market.
Orlando’s economy is anchored by tourism and hospitality alongside a growing tech and healthcare sector, producing a market that serves entry workforce buyers through upscale urban professionals.
So the Orlando strategy starts with the market, not the rate sheet. 2026 gives Orlando buyers a $832,750 conforming cap on one-unit homes — Orange County sits at the national baseline. With Orlando homes mostly under $832,750, conventional plus FHA plus first-time-buyer all work on Orlando files. Orlando’s price tier is solidly middle-of-market. Limits per FHFA 2026; verify your scenario with us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
255,000-plus residents make Orlando home — across Downtown Orlando, Lake Nona, and between — with Titusville and Meadow Woods nearby. Orlando isn’t an abstraction to us — we know it down to Lake Eola Park and downtown skyline. Whether the address is in Downtown Orlando, Thornton Park, College Park, and Lake Nona or another Orlando pocket entirely, the financing follows. From anywhere in Orlando, the whole process runs by phone and online — local Orlando market reads included, commute not required. Of the 73 Florida cities we serve, Orlando plays by its own numbers — that’s the point: the Orlando file, not a state template.
Orlando deserves a real broker.
Orlando, block by block
From Lake Eola Park and downtown skyline across Downtown Orlando, Thornton Park, College Park, we keep tabs on what Orlando homes actually go for and which programs carry them.
First Orlando home help
Orlando budgets get the full toolkit — conventional, first-time-buyer, FHA — plus every assistance program an Orlando file can claim.
We shop; you choose
We make lenders compete for Orlando business instead of squeezing Orlando buyers into a single bank's box.
The owner, coordinating
Owner Esther Buede coordinates every Orlando file herself, one point of contact from your first Orlando call to your closing.
The owner coordinates your file. Personally.
In Orlando, owner Esther Buede (individual NMLS #2003644) coordinates your loan personally with our licensed partner brokers, from Thornton Park to every part of Orlando. Choice Home Mortgage has been closing loans since 2005. Meet the family behind CHM →
“She was sincere. Got me processed and funded in 20 days. I felt taken care of every step of the way.”
The right Orlando loan for your situation.
Demand around Lake Eola Park and downtown skyline keeps conventional activity steady in Orlando. Conventional, first-time-buyer, FHA carry most of our Orlando work (via our licensed partner-broker network) — and beyond those, Orlando buyers get the full menu: non-QM, VA, FHA financing, and conventional. Jump in at any stage: buying, exploring a refinance, or just running numbers — begin online or call (949) 522-7310.
For Orlando, that usually means FHA, conventional, first-time-buyer.
Not every Orlando file fits a W-2 box — borrowers who work for themselves can qualify on bank-statement income, and Orlando investors can lean on no-income investor financing. Orange County’s full 2026 loan limits by property type break down one- through four-unit ceilings if you want the complete picture.
Buyers in Titusville, Meadow Woods, Pine Castle get the same treatment as Orlando files. All our Florida coverage, city by city →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Orlando, FL buyers through licensed partner brokers. Equal Housing Opportunity. We serve this area; we do not maintain an Orlando office.
What Orlando buyers ask us first.
How high can a conforming loan go in Orlando?
A conforming loan on a one-unit Orlando home can go up to $832,750 in 2026, which is FHFA's limit for Orange County. Orange County uses the $832,750 national baseline, so a larger loan is a jumbo loan, which each lender prices and underwrites under its own rules.
Do Orlando first-time buyers have good loan options?
Yes. First-time buyers in Orlando can choose from FHA and conventional loans, and down-payment assistance where they qualify. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules. For FHA, the 2026 one-unit limit in Orange County is $541,287, per HUD.
Are certain Orlando neighborhoods outside your coverage?
No. Every Orlando neighborhood is covered, Downtown Orlando, Thornton Park, College Park and Lake Nona included. Prices shift from street to street, and the appraisal follows recent nearby sales; the loan terms follow your credit, income and down payment. The Orange County conforming limit for one unit is $832,750 in 2026.
Do you work with Orlando, FL buyers?
Yes. We work with Orlando buyers through licensed partner brokers who hold the Florida license, and we coordinate each file. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Orlando office, so the application, documents and updates run by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
Do you serve areas near Orlando?
Yes. Besides Orlando, we also arrange loans in Titusville, Meadow Woods and Pine Castle through licensed partner brokers. Each town's conforming limit depends on its county, so we confirm the 2026 limit for the exact address before quoting. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as an Orlando file.
How does the process run for an Orlando buyer working with you?
An Orlando buyer starts with one call to set the plan, then applies online, uploads documents and gets updates as the file moves. Licensed partner brokers cover the Florida licensing, while Choice Home Mortgage (California NMLS #2629064) coordinates the file and the lender shopping. Owner Esther Buede is your point of contact from the first call to closing.
Buying near Orlando? We cover that too
Let's get you home in Orlando.
Your Orlando plans, the owner's full attention, and a market of lenders shopped on your Orlando file's behalf.