Orlando Mortgage Rates & Home Loans
Freedomstar Financial offers competitive mortgage rates on conventional, FHA, VA, and jumbo home loans in Orlando, Florida (License #LO135517). Orange County (Orlando) uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home, so most primary-home purchases are standard conforming or FHA loans.
Orlando is a Central Florida hub with heavy relocation demand and a large investment and vacation-rental market driven by tourism. Both primary-home and DSCR investor financing are active here.
Today's Orlando Mortgage Rates
Live best-execution Florida rates from our lender network — as of August 10, 2026 at 8:13 AM PDT.
Conventional 30-Yr Fixed
6.125%
APR 6.227%
FHA 30-Yr Fixed
5.625%
APR 5.758%
VA 30-Yr Fixed
5.625%
APR 5.783%
DSCR Investor 30-Yr
6.875%
APR 6.993%
Rates subject to change. See Rate Assumptions.
Orlando Home Loan Facts
Median Home Price
~$390,000
Curated Orlando estimate.
2026 Conforming Limit
$832,750
Orange County baseline reference.
County
Orange County
Loan limits are set at the county level.
Loan Limits & Market
Orange County (Orlando) uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home, so most primary-home purchases are standard conforming or FHA loans.
From Winter Park and Lake Nona to Kissimmee and the suburbs, Orlando draws relocating families and investors alike. The tourism economy supports strong short-term-rental and DSCR loan activity.
Orlando Highlights
- Baseline conforming limit of $832,750 (2026)
- Heavy relocation and investment demand
- DSCR loans common for vacation rentals
- Conventional, FHA, and VA options supported
Property Taxes in Florida
Florida has no state income tax. Homeowners who claim a primary residence may qualify for the Homestead Exemption, which reduces taxable value and caps annual assessment increases.
Market facts last updated July 21, 2026.
First-Time Buyer Programs in Florida
Florida Housing HFA Preferred
Conventional first mortgage with reduced mortgage insurance for eligible buyers.
Florida Assist (FL Assist)
Down payment and closing-cost assistance as a deferred second mortgage.
Program availability and terms are set by the administering agency and subject to change. Contact us to confirm current eligibility.
Licensed to Lend in Orlando, Florida
Your Orlando loans are handled by Ivan Hendren, NMLS #152318. Freedomstar Financial holds an active Florida mortgage license (#LO135517). See our full licensing & disclosures for details.
Meet Ivan HendrenOrlando Mortgage FAQ
What is the conforming loan limit in Orlando for 2026?
Orange County uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home. Loans above that amount are financed as jumbo loans.
Can I finance an Orlando vacation rental?
Yes. Orlando’s tourism economy supports strong short-term-rental demand, and DSCR loans let investors qualify on the property’s projected rental income rather than personal income.
Other Florida Markets
All of FloridaMiami
Median ~$640,000
High-demand metro with significant jumbo and second-home activity.
Tampa
Median ~$400,000
Fast-growing Gulf Coast market with strong first-time buyer demand.
Jacksonville
Median ~$355,000
Affordable market with strong VA demand near naval bases.
Fort Lauderdale
Median ~$450,000
South Florida market with primary-home, second-home, and investor demand.
West Palm Beach
Median ~$470,000
Palm Beach County market with strong relocation and second-home demand.
Fort Myers
Median ~$385,000
Southwest Florida market popular with retirees, second-home, and investor buyers.
Ready to get started in Orlando?
Get a personalized, transparent Floridarate quote in minutes — no obligation, no hard credit pull to start.