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 July 21, 2026 at 11:15 AM PDT.
Conventional 30-Yr Fixed
6.000%
APR 6.101%
FHA 30-Yr Fixed
5.490%
APR 5.602%
VA 30-Yr Fixed
5.625%
APR 5.741%
DSCR Investor 30-Yr
6.875%
APR 6.988%
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.
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