Florida › Orlando › No or low down payment home loans

No or low down payment home loans in Orlando

By Kunal (KJ), former licensed mortgage loan originator · Sources: Florida OFR license file, FDIC, NCUA, firm websites, HMDA

98 firms with a Orlando office offer at least one loan that fits: 38 mortgage lenders, 40 mortgage brokers, 13 banks, 7 credit unions. The specific loans behind this page are listed below, each with its own page.

The loans this covers

• First time home buyer loans and programs70 firms
• VA loans68 firms
• USDA loans58 firms
• Florida Housing and Hometown Heroes loans37 firms
• Down payment assistance programs24 firms

• AMMortgage lender

  Alcova Mortgage LLC

  Orlando +4 more NMLS 1458429

  • 1099 income loans
  • Bank statement loans
  • Bridge loans
  • Cash out refinance
  • +12 more
  158 FL loans in 2025See this lender
• Mortgage lender

  American Liberty Mortgage, Incorporated

  Orlando +2 more NMLS 1424318

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • Construction loans
  • +14 more
  76 FL loans in 2025See this lender
• CMMortgage lender

  Canopy Mortgage, LLC

  Orlando +2 more NMLS 2401861

  • FHA loans
  • First time home buyer loans and programs
  • Jumbo loans
  • Non QM loans
  • +3 more
  149 FL loans in 2025See this lender
• FIMortgage lender

  Fairway Independent Mortgage Corporation

  Orlando +19 more NMLS 1162377

  • Adjustable rate mortgages (ARM)
  • Assumable mortgages
  • Bridge loans
  • Rate buydown mortgages
  • +15 more
  3,153 FL loans in 2025See this lender
• Credit union

  First Florida

  Orlando +7 more

  • First time home buyer loans and programs
  • HELOCs
  • Land loans
  • Net lease financing
  • +1 more
  116 FL loans in 2025See this credit union
• Credit union

  Mccoy

  Orlando +7 more

  • First time home buyer loans and programs
  • Home equity loans
  • Refinance
  • SBA loans
  • +1 more
  106 FL loans in 2025See this credit union
• MEMortgage lender

  Mortgage Equity Partners LLC

  Orlando +1 more NMLS 1680571

  • 1099 income loans
  • Adjustable rate mortgages (ARM)
  • Bridge loans
  • Cash out refinance
  • +13 more
  363 FL loans in 2025See this lender
• Mortgage broker

  Mortgagehotline.Net LLC

  Orlando NMLS 2306288

  • Asset depletion loans
  • Bank statement loans
  • Conventional mortgages
  • DSCR loans
  • +15 more
  20 FL loans in 2025See this broker
• MMMortgage lender

  Movement Mortgage, LLC

  Orlando +24 more NMLS 1166394

  • Cash out refinance
  • Condo mortgages
  • Conventional mortgages
  • DSCR loans
  • +12 more
  4,122 FL loans in 2025See this lender
• Mortgage lender

  Nvr Mortgage Finance, INC.

  Orlando +3 more NMLS 1621588

  • Adjustable rate mortgages (ARM)
  • Down payment assistance programs
  • FHA loans
  • Jumbo loans
  • +3 more
  1,211 FL loans in 2025See this lender
• Credit union

  Orlando

  Orlando

  • 15 year fixed mortgages
  • Cash out refinance
  • Conventional mortgages
  • FHA loans
  • +8 more
  15 FL loans in 2025See this credit union
• PRMortgage lender

  Paramount Residential Mortgage Group, INC.

  Orlando +15 more NMLS 1079495

  • Adjustable rate mortgages (ARM)
  • Conventional mortgages
  • FHA loans
  • First time home buyer loans and programs
  • +10 more
  3,741 FL loans in 2025See this lender
• SMMortgage lender

  Success Mortgage Partners, INC.

  Orlando +4 more NMLS 1466141

  • Cash out refinance
  • Condo mortgages
  • Construction loans
  • Conventional mortgages
  • +13 more
  429 FL loans in 2025See this lender
• Credit union

  Together Credit Union

  Orlando +2 more

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • FHA loans
  • +7 more
  43 FL loans in 2025See this credit union
• APMortgage lender

  American Pacific Mortgage Corporation

  Orlando +23 more NMLS 2094348

  • Florida Housing and Hometown Heroes loans
  1,751 FL loans in 2025See this lender
• CFMortgage lender

  Cornerstone First Mortgage, INC.

  Orlando +7 more NMLS 2085164

  • Florida Housing and Hometown Heroes loans
  1,568 FL loans in 2025See this lender
• CMMortgage lender

  Crosscountry Mortgage, LLC

  Orlando +38 more NMLS 1212907

  • Adjustable rate mortgages (ARM)
  • Rate buydown mortgages
  • Condo mortgages
  • Conventional mortgages
  • +13 more
  11,987 FL loans in 2025See this lender
• GRMortgage lender

  Guaranteed Rate Affinity, LLC

  Orlando +23 more NMLS 1602198

  • Florida Housing and Hometown Heroes loans
  1,458 FL loans in 2025See this lender
• GRMortgage lender

  Guaranteed Rate, INC.

  Orlando +22 more NMLS 1103626

  • Florida Housing and Hometown Heroes loans
  3,204 FL loans in 2025See this lender
• LCMortgage lender

  Loandepot.Com, LLC

  Orlando +13 more NMLS 1188814

  • Florida Housing and Hometown Heroes loans
  7,460 FL loans in 2025See this lender
• MFMortgage lender

  Meadowbrook Financial Mortgage Bankers CORP.

  Orlando +4 more NMLS 2482920

  • Florida Housing and Hometown Heroes loans
  235 FL loans in 2025See this lender
• Mortgage lender

  Primary Residential Mortgage, INC.

  Orlando +11 more NMLS 101159

  • Florida Housing and Hometown Heroes loans
  582 FL loans in 2025See this lender
• TFMortgage lender

  Top Flite Financial, INC.

  Orlando +13 more NMLS 1010141

  • Florida Housing and Hometown Heroes loans
  458 FL loans in 2025See this lender
• Mortgage broker

  1St Capital Lending Group LLC

  Orlando NMLS 2583704

  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • Commercial real estate loans
  • Conventional mortgages
  • +10 more
  See this broker
• Mortgage lender

  1St Florida Lending CORP

  Orlando NMLS 359304

  • Adjustable rate mortgages (ARM)
  • Asset depletion loans
  • Bank statement loans
  • Blanket and portfolio loans
  • +37 more
  See this lender
• Mortgage broker

  Ace Lending Group, LLC

  Orlando NMLS 1960150

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • FHA loans
  • +6 more
  See this broker
• Mortgage broker

  Alon Finance Group, LLC

  Orlando NMLS 373142

  • Adjustable rate mortgages (ARM)
  • Bank statement loans
  • Business acquisition loans
  • Cash out refinance
  • +23 more
  See this broker
• ASMortgage lender

  America's Money Source, INC

  Orlando +1 more NMLS 1405106

  • Assumable mortgages
  • Conventional mortgages
  • FHA loans
  • Refinance
  • +1 more
  See this lender
• Bank

  American Momentum Bank

  Orlando +7 more

  • Adjustable rate mortgages (ARM)
  • Blanket and portfolio loans
  • Cash out refinance
  • Commercial real estate loans
  • +13 more
  See this bank
• Mortgage lender

  Appli, LLC

  Orlando NMLS 2245566

  • FHA loans
  • HELOCs
  • Refinance
  • Florida Housing and Hometown Heroes loans
  • +1 more
  See this lender
• AHMortgage broker

  Assured Home Loans LLC

  Orlando NMLS 2487137

  • Adjustable rate mortgages (ARM)
  • Bank statement loans
  • Cash out refinance
  • Construction loans
  • +15 more
  See this broker
• Mortgage broker

  Auctus Mortgage Solutions LLC

  Orlando NMLS 2743323

  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • Construction loans
  • Conventional mortgages
  • +16 more
  See this broker
• BEMortgage broker

  Blue Eagle Mortgage, LLC

  Orlando NMLS 2222977

  • 1099 income loans
  • Adjustable rate mortgages (ARM)
  • Bank statement loans
  • Cash out refinance
  • +17 more
  See this broker
• Mortgage broker

  Bluevella Mortgage, LLC

  Orlando NMLS 2260248

  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • Commercial real estate loans
  • Conventional mortgages
  • +16 more
  See this broker
• CFMortgage lender

  C2 Financial Corporation

  Orlando +15 more NMLS 1183712

  • First time home buyer loans and programs
  • Interest only mortgages
  • Refinance
  See this lender
• Bank

  City National Bank of Florida

  Orlando +18 more

  • Adjustable rate mortgages (ARM)
  • Asset depletion loans
  • Down payment assistance programs
  • Equipment financing
  • +8 more
  See this bank
• Mortgage lender

  Coastal Loans, LLC

  Orlando NMLS 2240882

  • Adjustable rate mortgages (ARM)
  • FHA loans
  • First time home buyer loans and programs
  • Jumbo loans
  • +4 more
  See this lender
• CBBank

  Cogent Bank

  Orlando +10 more

  • Asset depletion loans
  • Bridge loans
  • Business acquisition loans
  • Commercial real estate loans
  • +16 more
  See this bank
• Credit union

  Darden Credit Union

  Orlando

  • 10 year fixed mortgages
  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • FHA loans
  • +8 more
  See this credit union
• DMMortgage broker

  Dot Mortgage Company LLC

  Orlando +1 more NMLS 1722379

  • Cash out refinance
  • Conventional mortgages
  • FHA loans
  • First time home buyer loans and programs
  • +5 more
  See this broker
• EHMortgage broker

  Edge Home Finance, LLC

  Orlando +25 more NMLS 2135961

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • FHA loans
  • +7 more
  See this broker
• Mortgage broker

  Enotiva Lending Solutions, LLC

  Orlando NMLS 1185931

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • FHA loans
  • +6 more
  See this broker
• FMMortgage broker

  Fb Mortgage Solutions LLC

  Orlando NMLS 2174670

  • 1099 income loans
  • 15 year fixed mortgages
  • Asset depletion loans
  • Bank statement loans
  • +31 more
  See this broker
• Mortgage broker

  Fidelity Home Group CORP.

  Orlando NMLS 1834853

  • Adjustable rate mortgages (ARM)
  • Asset depletion loans
  • Assumable mortgages
  • Bank statement loans
  • +29 more
  See this broker
• Mortgage broker

  Fidelity Mortgage Direct LLC

  Orlando NMLS 2450962

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Bridge loans
  • Commercial real estate loans
  • +19 more
  See this broker
• Mortgage broker

  First Choice Lending LLC

  Orlando +1 more NMLS 1855121

  • Bank statement loans
  • Bridge loans
  • Cash out refinance
  • Commercial real estate loans
  • +19 more
  See this broker
• Mortgage lender

  First Heritage Mortgage, LLC

  Orlando +2 more NMLS 2319109

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Bank statement loans
  • Bridge loans
  • +17 more
  See this lender
• Bank

  Florida Capital Bank, National Association

  Orlando +3 more

  • Adjustable rate mortgages (ARM)
  • Bridge loans
  • Business acquisition loans
  • Rate buydown mortgages
  • +14 more
  See this bank
• Mortgage broker

  Flvmc LLC

  Orlando +11 more NMLS 1299512

  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • Conventional mortgages
  • Mortgages after bankruptcy or foreclosure
  • +15 more
  See this broker
• Credit union

  FRSA Credit Union

  Orlando

  • 15 year fixed mortgages
  • Cash out refinance
  • Conventional mortgages
  • FHA loans
  • +8 more
  See this credit union
• Mortgage broker

  Gdm Mortgage CORP

  Orlando NMLS 1588221

  • Adjustable rate mortgages (ARM)
  • Bank statement loans
  • Conventional mortgages
  • DSCR loans
  • +10 more
  See this broker
• Mortgage lender

  Guidance Residential, LLC

  Orlando +1 more NMLS 1469802

  • Cash out refinance
  • Conventional mortgages
  • First time home buyer loans and programs
  • Investment property and rental loans
  • +2 more
  See this lender
• Bank

  Hancock Whitney Bank

  Orlando +27 more

  • Asset depletion loans
  • Business acquisition loans
  • Commercial real estate loans
  • Construction loans
  • +9 more
  See this bank
• HMMortgage lender

  Heart Mortgage Corporation

  Orlando +2 more NMLS 2045769

  • Bridge loans
  • Cash out refinance
  • Commercial real estate loans
  • Construction loans
  • +17 more
  See this lender
• Mortgage lender

  Home1St Lending, LLC

  Orlando +5 more NMLS 1106640

  • Bank statement loans
  • Rate buydown mortgages
  • Cash out refinance
  • DSCR loans
  • +12 more
  See this lender
• HSMortgage broker

  Hs Solutions Investments & Loans, INC

  Orlando NMLS 1773725

  • Adjustable rate mortgages (ARM)
  • Assumable mortgages
  • Cash out refinance
  • Conventional mortgages
  • +14 more
  See this broker
• Mortgage broker

  Imortgage4U INC

  Orlando NMLS 2322976

  • Adjustable rate mortgages (ARM)
  • Rate buydown mortgages
  • Cash out refinance
  • Conventional mortgages
  • +8 more
  See this broker
• IMMortgage broker

  Infinity Mortgage Group, INC

  Orlando +1 more NMLS 1385251

  • 10 year fixed mortgages
  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Bank statement loans
  • +11 more
  See this broker
• Mortgage broker

  Innovative Mortgage Solutions LLC

  Orlando NMLS 2433010

  • Commercial real estate loans
  • FHA loans
  • First time home buyer loans and programs
  • Fix and flip loans
  • +8 more
  See this broker
• ICMortgage broker

  Inter-County Financial LLC

  Orlando NMLS 2742104

  • Conventional mortgages
  • FHA loans
  • VA loans
  See this broker
• Bank

  JPMorgan Chase Bank, National Association

  Orlando +154 more

  • Adjustable rate mortgages (ARM)
  • FHA loans
  • First time home buyer loans and programs
  • Refinance
  • +4 more
  See this bank
• Mortgage lender

  Lennar Mortgage, LLC

  Orlando +9 more NMLS 1058

  • Adjustable rate mortgages (ARM)
  • Conventional mortgages
  • Down payment assistance programs
  • FHA loans
  • +5 more
  See this lender
• MLMortgage broker

  Moneyland Lending Group LLC

  Orlando NMLS 1920510

  • Commercial real estate loans
  • Construction loans
  • Conventional mortgages
  • Equipment financing
  • +9 more
  See this broker
• Mortgage broker

  Mortgage Expert, INC.

  Orlando NMLS 2412313

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Assumable mortgages
  • Cash out refinance
  • +17 more
  See this broker
• Mortgage broker

  Mortgage Studio INC

  Orlando NMLS 2252632

  • Bank statement loans
  • Rate buydown mortgages
  • Cash out refinance
  • Commercial real estate loans
  • +9 more
  See this broker
• Mortgage broker

  Multi Home Loans LLC

  Orlando NMLS 1823582

  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • Conventional mortgages
  • FHA loans
  • +12 more
  See this broker
• Mortgage lender

  New American Funding, LLC

  Orlando +21 more NMLS 1508483

  • Adjustable rate mortgages (ARM)
  • Rate buydown mortgages
  • Cash out refinance
  • Construction loans
  • +10 more
  See this lender
• NMMortgage broker

  Nexa Mortgage, LLC

  Orlando +38 more NMLS 1921833

  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • FHA loans
  • First time home buyer loans and programs
  • +8 more
  See this broker
• Mortgage lender

  Northpoint Mortgage, INC.

  Orlando NMLS 1595904

  • Adjustable rate mortgages (ARM)
  • Blanket and portfolio loans
  • Cash out refinance
  • Construction loans
  • +12 more
  See this lender
• PMMortgage broker

  Personalized Mortgage Planners INC

  Orlando NMLS 1923821

  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • FHA loans
  • First time home buyer loans and programs
  • +8 more
  See this broker
• Mortgage broker

  Pmf, INC.

  Orlando +9 more NMLS 1980

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • FHA loans
  • +8 more
  See this broker
• PMMortgage broker

  Preferred Mortgage Partners, LLC

  Orlando NMLS 2667163

  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • Conventional mortgages
  • Mortgages after bankruptcy or foreclosure
  • +10 more
  See this broker
• Mortgage broker

  Premier Mortgage Pro INC

  Orlando NMLS 2373427

  • Commercial real estate loans
  • Construction loans
  • Conventional mortgages
  • DSCR loans
  • +5 more
  See this broker
• Credit union

  Priority

  Orlando +1 more

  • FHA loans
  • HELOCs
  • Home equity loans
  • Jumbo loans
  • +5 more
  See this credit union
• RHMortgage lender

  Reach Home Loans LLC

  Orlando +1 more NMLS 2266637

  • Cash out refinance
  • Commercial real estate loans
  • Conventional mortgages
  • DSCR loans
  • +9 more
  See this lender
• Mortgage broker

  Salvamerica LLC

  Orlando NMLS 1228065

  • Adjustable rate mortgages (ARM)
  • Bank statement loans
  • Cash out refinance
  • Construction loans
  • +12 more
  See this broker
• SNBank

  Seacoast National Bank

  Orlando +70 more

  • Adjustable rate mortgages (ARM)
  • Asset depletion loans
  • Business acquisition loans
  • Commercial real estate loans
  • +15 more
  See this bank
• Mortgage broker

  Sibley Mortgage Group, LLC

  Orlando NMLS 1041547

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • FHA loans
  • +5 more
  See this broker
• Mortgage lender

  Standard Mortgage Capital LLC

  Orlando +10 more NMLS 1604663

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Assumable mortgages
  • Bridge loans
  • +24 more
  See this lender
• Bank

  Sunrise Bank

  Orlando +2 more

  • Commercial real estate loans
  • Equipment financing
  • FHA loans
  • HELOCs
  • +4 more
  See this bank
• Mortgage broker

  Sure Rate Mortgage, LLC

  Orlando NMLS 2828426

  • 15 year fixed mortgages
  • Cash out refinance
  • Conventional mortgages
  • DSCR loans
  • +10 more
  See this broker
• Mortgage broker

  Syntex Mortgage, LLC

  Orlando NMLS 1431193

  • Rate buydown mortgages
  • Cash out refinance
  • FHA loans
  • First time home buyer loans and programs
  • +8 more
  See this broker
• Bank

  TD Bank, National Association

  Orlando +99 more

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Asset depletion loans
  • Construction loans
  • +11 more
  See this bank
• TFMortgage broker

  Td Finance LLC

  Orlando NMLS 1735008

  • 10 year fixed mortgages
  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Assumable mortgages
  • +20 more
  See this broker
• Mortgage broker

  Td Home Loans INC

  Orlando NMLS 1860339

  • 15 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Bridge loans
  • Cash out refinance
  • +18 more
  See this broker
• TLMortgage lender

  Tewes Lending, INC.

  Orlando NMLS 2315605

  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • Commercial real estate loans
  • Conventional mortgages
  • +10 more
  See this lender
• Mortgage broker

  The Mortgage Professionals, LLC.

  Orlando NMLS 1485736

  • Adjustable rate mortgages (ARM)
  • Conventional mortgages
  • FHA loans
  • First time home buyer loans and programs
  • +7 more
  See this broker
• Mortgage lender

  Trailblazer Mortgage L.L.C.

  Orlando NMLS 2106646

  • Adjustable rate mortgages (ARM)
  • Conventional mortgages
  • FHA loans
  • First time home buyer loans and programs
  • +5 more
  See this lender
• Bank

  Truist Bank

  Orlando +194 more

  • Cash out refinance
  • Commercial real estate loans
  • Construction loans
  • FHA loans
  • +7 more
  See this bank
• Bank

  TrustCo Bank

  Orlando +31 more

  • Adjustable rate mortgages (ARM)
  • Commercial real estate loans
  • Construction loans
  • Down payment assistance programs
  • +11 more
  See this bank
• Bank

  United Community Bank

  Orlando +19 more

  • Adjustable rate mortgages (ARM)
  • Asset depletion loans
  • Cash out refinance
  • Commercial real estate loans
  • +22 more
  See this bank
• Mortgage broker

  United Direct Lending LLC

  Orlando +3 more NMLS 1749719

  • Bank statement loans
  • Rate buydown mortgages
  • Cash out refinance
  • Conventional mortgages
  • +14 more
  See this broker
• Bank

  Valley National Bank

  Orlando +33 more

  • First time home buyer loans and programs
  • Refinance
  See this bank
• Mortgage broker

  Wellspring Finance CORP

  Orlando NMLS 1264862

  • 10 year fixed mortgages
  • Adjustable rate mortgages (ARM)
  • Cash out refinance
  • Down payment assistance programs
  • +5 more
  See this broker
• Mortgage lender

  Acrisure Mortgage, LLC

  Orlando +14 more NMLS 1472038

  • Florida Housing and Hometown Heroes loans
  See this lender
• NLMortgage lender

  Nfm Lending, LLC

  Orlando +5 more NMLS 1308745

  • Florida Housing and Hometown Heroes loans
  See this lender
• Mortgage lender

  Planet Home Lending, LLC

  Orlando +4 more NMLS 2265768

  • Florida Housing and Hometown Heroes loans
  See this lender
• Mortgage lender

  Union Home Mortgage CORP.

  Orlando +12 more NMLS 1517729

  • Florida Housing and Hometown Heroes loans
  See this lender

• All home loans in Orlando291 firms, every loan type

Orange County at a glance

As of October 15, 2026Sources: FFIEC HMDA 2025 loan-level data for Orange County, FL; FHFA 2026 conforming loan limits; HUD 2026 FHA mortgage limits. Look up any county.

Questions people ask

Which loans count as no or low down payment home loans?

This page gathers VA loans, USDA loans, down payment assistance programs, florida housing and hometown heroes loans, first time home buyer loans and programs. A firm appears if its own website lists at least one of them. Each loan also has its own Orlando page with only the firms that list it.