How much house can you afford in Orlando? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
Updated · current rates and lending limits
Add your partner's income if you're buying together.
Car loans, credit cards, lines of credit, student loans. Not rent.
Enter your yearly household income.
Savings and gifts from family count. Many first-time buyer loans need just 3% down; under 20% you pay mortgage insurance.
7.40% (Freddie Mac 30-year average, October 2026). Change it if you've been quoted a rate.
Enter your down payment.
| After | Paid in total | Still owed |
|---|
Florida Home FundingVerified
4.8 · 100 reviews · Free pre-approval
Get pre-approved →
HomeTown Lenders Of Florida - Lozada Branch
4.9 · 99 reviews · Free pre-approval
Get pre-approved →
My Florida Mortgage Solutions
4.8 · 63 reviews · Free pre-approval
Get pre-approved →
An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
Known for partnering with top mortgage lenders to secure competitive rates, Florida Home Funding serves builders, real estate professionals, and homebuyers throughout Central Florida. The team handles a full range of mortgage services and is praised for clear communication and responsiveness, though some clients note occasional gaps in expertise with investment property loans.
HomeTown Lenders Of Florida - Lozada Branch focuses on helping first-time homebuyers and the local Latino community secure mortgage loans with attentive, personalized support. The team guides clients through each step of the process, offering clear communication and prompt responses. While closings can sometimes take a bit longer than expected, customers appreciate the professionalism and… more...
HomeTown Lenders Of Florida - Lozada Branch focuses on helping first-time homebuyers and the local Latino community secure mortgage loans with attentive, personalized support. The team guides clients through each step of the process, offering clear communication and prompt responses. While closings can sometimes take a bit longer than expected, customers appreciate the professionalism and dedication throughout.
My Florida Mortgage Solutions specializes in tailoring loan programs to meet individual needs. The team offers home loan services with clear communication and patient guidance throughout the process. Customers appreciate their professionalism and friendly approach, though some note the experience can be intensive for first-time borrowers.
JD Lending Group Inc. specializes in providing mortgage options tailored to a variety of financial situations, including first-time buyers and those refinancing. The team works closely with builders, real estate professionals, and homebuyers throughout Central Florida, offering clear communication and support that many customers find helpful during a complex process. Some clients note occasional… more...
JD Lending Group Inc. specializes in providing mortgage options tailored to a variety of financial situations, including first-time buyers and those refinancing. The team works closely with builders, real estate professionals, and homebuyers throughout Central Florida, offering clear communication and support that many customers find helpful during a complex process. Some clients note occasional challenges but appreciate the team’s consistent follow-up and patience.
Known for treating each loan as a personal relationship, Nona Mortgage focuses on helping families find the best mortgage deals with attentive, responsive service. They assist with home purchases and refinancing, guiding clients through paperwork and challenges while aiming to make the process clear and supportive. Customers appreciate their honesty and care throughout every step.
Harper Mortgage Team offers personalized guidance through home purchases and refinancing, drawing on years of local expertise. They assist clients with mortgage options and paperwork, maintaining clear communication throughout the process. Customers appreciate their thoroughness and responsiveness, though a few note that some tasks require patience due to complexity.
Satori Mortgage offers a secure mobile app that connects borrowers directly with realtors and loan officers, making mortgage financing more accessible and transparent. They specialize in FHA 203(k) and VA Renovation loans, helping clients combine home purchase or refinance with repair costs. Customers appreciate the team’s clear communication and responsiveness throughout the process.
Kohler Mortgage LLC is known for clear communication and quick turnaround times, especially with refinancing and home purchase loans. The team offers professional guidance throughout the mortgage process, often handling paperwork remotely to simplify clients’ experience. Customers appreciate their responsiveness and straightforward approach, though some note the fast pace may feel brisk for those… more...
Kohler Mortgage LLC is known for clear communication and quick turnaround times, especially with refinancing and home purchase loans. The team offers professional guidance throughout the mortgage process, often handling paperwork remotely to simplify clients’ experience. Customers appreciate their responsiveness and straightforward approach, though some note the fast pace may feel brisk for those new to mortgages.
Lenders made 14,038 home-purchase loans in Orange County in 2025 (average about $483,000) and denied 2,842 — 17% of decided applications, compared with 17% across Florida, according to federal mortgage data (HMDA, CFPB). In Orlando, the median home is worth $394,100 and 67% of owners have a mortgage, paying a median $2,231 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Orange County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Florida Home Funding | 4.8 | 100 | — | (407) 904-7536 | Visit |
| 2 | HomeTown Lenders Of Florida - Lozada Branch | 4.9 | 99 | $20 | (407) 455-6860 | Visit |
| 3 | My Florida Mortgage Solutions | 4.8 | 63 | Quoted per loan | (321) 424-6088 | Visit |
| 4 | JD Lending Group Inc. | 4.9 | 59 | Quoted per loan | (407) 286-0289 | Visit |
| 5 | Nona Mortgage, LLC | 4.8 | 22 | $100 | (407) 551-9878 | Visit |
| 6 | Harper Mortgage Team | 4.8 | 19 | Quoted per loan | — | Visit |
| 7 | Satori Mortgage | 5.0 | 17 | Quoted per loan | (321) 221-7113 | Visit |
| 8 | Kohler Mortgage LLC | 5.0 | 15 | Quoted per loan | (407) 923-3679 | Visit |
Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.
An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.
General information, not financial advice — consult a qualified professional.