Orange County
Orlando Mortgage Loan Officer
Orlando buyers often have a plan beyond a primary home: a second place, a rental, or simply more space. I lend statewide, and many people I help here are looking for better pricing than South Florida.
Last updated October 10, 2026
Who's buying in Orlando
Many Orlando buyers are shopping for a second home or an income-producing property. Others are relocating, or they already live there and want a larger home. Each of those goals points to a different loan setup, because a second home, a rental, and a primary residence are underwritten under different occupancy rules. For buyers purchasing their first primary residence, I can review down payment programs that may apply. Statewide help with upfront costs may be available; see the first-time buyer page for current status.
Common homes in Orlando
Townhomes and single-family homes make up most of the market, and multifamily properties are few. Plenty of townhomes and condos are used as rentals or as a second place near the entertainment areas.
Insurance and association documents
You'll need full insurance coverage when you get a loan. For condos or associations, I want to see a condo questionnaire, a budget with reserves, and the condo documents. I strongly suggest reading those documents yourself to see what's limited, especially when it comes to renting.
Local rules: condo investor concentration
For investors, Fannie Mae retired its 50% investor-concentration limit for established condo projects reviewed under Full Review. Investors may also look at DSCR loans, which are subject to underwriting.
Market snapshot: Orlando
The Orlando Regional REALTOR Association reported a June 2026 median price of $416,308 across all residential types, 62 days on the market, and 11,924 homes in inventory.
For context, MIAMI REALTORS reported a Miami-Dade single-family median of $675,000 for Q2 2026. These figures cover different property mixes and periods, so they are shown side by side rather than compared directly.
Reading the Orlando numbers
The June 2026 figures from the Orlando Regional REALTOR Association showed a median of $416,308, 62 days on the market, and 11,924 homes in inventory. For second-home and rental buyers, those numbers are only a starting point: the condo questionnaire, budget with reserves, condo documents, and any limits on renting decide whether a specific property fits the plan.
Market data as of June 2026 (Orlando) and Q2 2026 (Miami-Dade). Statistics are historical, from third-party sources, and not a forecast.
Loan programs for Orlando buyers
Related guides
Orlando mortgage FAQs
Can I buy a second home or rental in Orlando?
Yes. Second homes and rentals are common goals for Orlando buyers. We'll match the property and how you'll use it to the right loan program, since second homes and investment properties carry different requirements than a primary residence.
What do you need for an Orlando condo or association?
A condo questionnaire, a budget with reserves, and the condo documents.
Is there still a 50% investor limit on condos?
Fannie Mae retired that limit for established condo projects reviewed under Full Review. Association rules on renting still apply.
What insurance do I need?
Full insurance coverage is required when getting a loan. Get quotes early so the real monthly cost, including insurance, is clear before you commit to a property.
Nearby areas
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Equal Housing Lender. This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, and property eligibility. Program availability, terms, and guidelines may change without notice. Information is for educational purposes only.