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Review Keywords Analysis

  1. United States
  2. Best Mortgage Brokers
  3. Mortgage Brokers in Florida
  4. Orlando
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
Step 1 of 3

Mortgage Affordability Calculator Orlando, FL

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.

Property tax are for this state.

An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.

Top-rated mortgage brokers in Orlando

Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →

1

Florida Home Funding

Verified

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.

Services & Prices
First-Time Homebuyer Assistance, Refinancing Options, Investment Property Loans)
Pre-Approval Process, Rate Lock Services, Documentation and Submission Assistance)
View Profile
(407) 904-7536
Open 8:00 AM - 7:00 PM
390 N Orange Ave #2125, Orlando, FL 32801, USA
General Services
Mortgage Services
2

HomeTown Lenders Of Florida - Lozada Branch

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.

Services & Prices
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
Credit Score Analysis $50 - $100
View Profile
(407) 455-6860
Open 9:00 AM - 5:00 PM
618 E South St Ste 500,Orlando, FL 32801
General Services
Home Loan Services
3

My Florida Mortgage Solutions

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.

Services & Prices
First Time Home Buyer Loans Quoted per loan
Refinancing Loans Quoted per loan
FHA Loans Quoted per loan
View Profile
(321) 424-6088
Open 10:00 AM - 7:00 PM
7901 Kingspointe Pkwy Suite 19, Orlando, FL 32819, USA
General Services
Home Loan
4

JD Lending Group Inc.

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.

Services & Prices
Conventional Loan Quoted per loan
FHA Loan Quoted per loan
VA Loan Quoted per loan
View Profile
(407) 286-0289
Open 8:00 AM - 8:00 PM
1412 W Colonial Dr Suite 100, Orlando, FL 32804, USA
General Services
Home Mortgage Services
5

Nona Mortgage, LLC

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.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
VA Loans Quoted per loan
Variable Rate HELOC Quoted per loan
View Profile
(407) 551-9878
Open 9:00 AM - 5:00 PM
10133 Chorlton Cir, Orlando, FL 32832, USA
General Services
Mortgage Services
Where they are 8 on the map Click a pin for the profile and directions
6

Harper Mortgage Team

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.

Services & Prices
Home Loan Acquisition Quoted per loan
Refinancing Quoted per loan
View Profile
Open 8:00 AM - 8:00 PM
520 N Semoran Blvd #225, Orlando, FL 32807, USA
General Services
Mortgage Services
7

Satori Mortgage

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.

Services & Prices
Home Purchase Loans Quoted per loan
VA Loans Quoted per loan
Construction Loans Quoted per loan
View Profile
(321) 221-7113
Open 9:00 AM - 5:00 PM
111 N Orange Ave Suite 800, Orlando, FL 32801, USA
General Services
Mortgage Services
8

Kohler Mortgage LLC

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.

Services & Prices
Home Purchase Financing Quoted per loan
Refinancing Quoted per loan
Fixed Rate Lock Quoted per loan
Adjustable Rate Lock Quoted per loan
View Profile
(407) 923-3679
Open 9:30 AM - 5:00 PM
1906 Winding Oaks Dr, Orlando, FL 32825, USA
General Services
Mortgage Services

Orlando Mortgage Statistics

Home-purchase lending in Orange County and home costs in Orlando, FL (latest HMDA and Census data)

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).

Home-purchase loans, 2025
14,038▼ 4%14,689 in 2024
Denial rate
17%FL 17%
Median home value
$394,100FL $359,000
Monthly cost with a mortgage
$2,231median · FL $1,959
Refinance loans made (Orange County, 2025)
6,444 · 5,114 in 2024
Home-improvement loans made (2025)
2,050
Average home-purchase loan
$483,000 (FL $416,000)
Owners with a mortgage
67% · 33% of them spend 30%+ of income on housing
Median household income
$72,336 (FL $74,568)

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.

Orlando Mortgage Brokers near you stats: 8 businesses compared side by side · updated
# 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

How this Orlando mortgage affordability calculator works

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.

Florida rules and numbers this calculator uses

Debt-to-income
31% for housing and 43% total, the FHA standard and the long-time Qualified Mortgage limit. Some conventional loans go higher with strong credit and savings.
Down payment
At least 3% on a conventional first-time buyer loan (3.5% on FHA). Under 20% down, private mortgage insurance of about 0.6% of the loan a year is added to the payment.
Property tax
About 0.76% of the home's value a year, the Florida average for owner-occupied homes (2024 Census ACS).
Insurance
Homeowners insurance assumed at $150 a month; it varies a lot by home and location.
Rate
Starts at 7.40% (Freddie Mac 30-year average, October 2026). Change it to the rate you have been quoted.

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.

Frequently asked questions

8 questions
How does the mortgage affordability calculator work?
It estimates the highest home price you can qualify for based on income, debts, down payment, and interest rate. It includes monthly payment, PMI, and property tax.
What is the debt-to-income ratio limit for mortgages in Florida?
Lenders often cap housing costs at 31% and total debt at 43% of gross monthly income. Some loans allow more with strong credit.
What is the minimum down payment for first-time buyers in Orlando?
First-time buyers can put down as little as 3% on conventional loans or 3.5% on FHA loans. VA and USDA loans may allow 0% down.
How does PMI affect my mortgage in Florida?
If your down payment is under 20%, PMI is added, roughly 0.6% of the loan annually. It can be removed when your balance is below 80% of the home's value.
How do interest rates impact what I can afford?
Higher interest rates increase monthly payments, reducing the home price you can afford. Rates change weekly; the calculator starts at 7.40%.
How do my debts affect my mortgage qualification?
Higher monthly debts reduce the amount you can borrow, as lenders consider total debt payments in the debt-to-income ratio.
What are property taxes like in Orlando?
Property tax in Florida averages about 0.76% of the home's value annually, based on 2024 data for owner-occupied homes.
What's the difference between pre-approval and pre-qualification?
Pre-approval involves verifying income, debts, credit, and down payment, giving a more accurate borrowing limit than pre-qualification.

General information, not financial advice — consult a qualified professional.