FHA loans in Orlando:
where your family takes root
More than theme parks: a vibrant Hispanic community, growing employment and an affordable housing market for families and investors alike. Loans up to $524K.
2026
metro area
in Orlando
guaranteed
Beyond theparks.
Orlando is the gateway for thousands of Hispanic families coming to Florida. With jobs in tourism, technology and healthcare, and a growing Puerto Rican and Dominican community, it is the ideal place to put down roots.
Options foryour situation
There is no single path to homeownership. We have programs for the self-employed, ITIN, limited credit history and more.
FHA Standard
More in demandThe most affordable program on the market. Down payment from 3.5% and accept family gift as part of the down payment. We work with your credit profile.
- Down payment from 3.5%.
- Profile All types of history
- Limit FL $524,225
- MIP 0.55% p.a.
FHA Without Taxes
E&E onlyFor people with formal employment who do not file traditional tax returns. We verify your employment directly with your employer - we only ask for your title and time worked.
- Verification Call to the employer
- Profile We work with you
- Ideal for Employees without formal declaration
- Down payment from 3.5%.
ITIN / TwoRiver
AccessibleDon't have a social security number? With ITIN you can buy a home. We accept alternative credit history - rent, utility, cell phone payments.
- Documents ITIN + alternative history
- Down payment from 3.5%.
- History 12 months of verified rent
- SSN Not required
Non-QM / Alternative Credit
For allFor freelancers, contractors and entrepreneurs who do not qualify through traditional channels. No traditional payroll (W-2), no tax returns - we use bank statements, P&L or investment property flow-through.
- Documents Account statements, P&L, 1099, DSCR
- Profile We evaluate your case
- DTI up to 55%.
- To 2.5M - 1-4 units
Orlando is more
than a destination. It is yourhome.
Orlando - Kissimmee - Sanford FHA - ITIN - Non-QM
Hispanic families from all over Latin America are putting down roots in Orlando. We walk you through the entire process, without giving up, until you have the keys in hand.
- No mandatory SSN
- Solution always, without giving up
- In your language
- We accompany you in everything
Everything you needknow in Orlando
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Yes, Orlando has a large Hispanic community and we work with many clients who use ITINs. We evaluate your alternative payment history and find the program that works best for you.
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The median price in the Orlando metropolitan area is approximately$360,000. With FHA and 3.5% down, you would need about $12,600 plus closing costs.
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Yes. We offer FHA, ITIN, and programs for foreigners with a passport. We accompany you from prequalification to closing.
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We operate inthe entire Orlando metropolitan areaWe know every local market in Kissimmee, Winter Park, Oviedo, Altamonte Springs and Sanford. We know every local market.