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Model Mortgage - Houston Mortgage BrokerMODEL MORTGAGE

Orlando's Premier Mortgage Broker

Expert home financing solutions tailored for the Orlando real estate market. From first-time homebuyers to seasoned investors.

Your Trusted Mortgage Partner in Orlando, FL

Navigating the real estate market in Orlando requires a mortgage team that understands the local nuances, property values, and lending landscape. At Model Mortgage, we combine our deep institutional knowledge with personalized service to help homebuyers and investors in Florida secure the exact financing they need.

Whether you are looking to purchase your first home in the heart of Orlando, refinance an existing property to tap into your equity, or expand your investment portfolio, our experts are here to guide you every step of the way. We cut through the red tape to deliver competitive rates and a streamlined closing process.

Orlando's economy centers on tourism and hospitality, healthcare, and a growing technology and simulation sector around Lake Nona and the Central Florida Research Park. New-construction communities are common throughout the metro, and short-term rental and investment purchases are more common here than in most Florida markets.

Why Choose Model Mortgage in Orlando?

Competitive Rates

Access to wholesale rates and specialized loan programs that retail banks simply can't match.

Local Expertise

Deep understanding of the Orlando housing market and specific FL lending guidelines.

Fast Closings

Our streamlined, tech-enabled process gets you to the closing table faster without the headache.

Tailored Options

From Conventional and FHA to Jumbo and DSCR loans, we find the perfect fit for your unique scenario.

The Orlando Market

We work with buyers and homeowners across Orlando, including Winter Park, Lake Nona, Dr. Phillips, Baldwin Park, College Park and Downtown Orlando.

  • New-construction communities are common — builder-affiliated lenders aren't your only financing option, and shopping outside the builder's preferred lender can sometimes offer more flexible terms
  • HOA and CDD (Community Development District) fees are common in newer Orlando-area subdivisions and should be included in your affordability math from the start
  • No Florida state income tax, but property and homeowners insurance are a larger factor here than in many non-coastal metros
  • Short-term rental and investment-property purchases are common near the tourism corridor — DSCR loan programs, which qualify on rental income rather than personal income, are frequently used

Popular Loan Programs

Run Your Numbers for Orlando

Frequently Asked Questions About Orlando

What is a CDD fee and does it affect my mortgage?
A Community Development District (CDD) fee funds infrastructure in many newer Orlando-area communities and is billed alongside property taxes. It doesn't change your loan terms, but it does increase your total housing payment, so we include it in your affordability calculation upfront rather than as a surprise at closing.
Can I get a mortgage for a short-term rental property in Orlando?
Yes — investment and short-term-rental purchases near the tourism corridor are common, and DSCR (Debt Service Coverage Ratio) loans, which qualify based on the property's projected rental income rather than your personal income, are a frequently used option.
Do I have to use the builder's lender in a new-construction Orlando community?
No. Builders often offer an incentive to use their preferred lender, but you're free to shop outside financing. We're happy to run a side-by-side comparison so you can weigh the incentive against the total cost of the loan.

Contact Our Team

Speak directly with a FL licensed mortgage professional.

Phone: (832) 727-4128

Email: matthew@modelmtg.com

Ready to buy in Orlando?

Contact our local Orlando experts today to learn more about your mortgage options.

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