Buying a Home in Orlando & Central Florida

Theme parks, lakes, and fast-growing suburbs across Central Florida

About the Orlando & Central Florida Area

Central Florida spans Orlando and Winter Park out to the growing communities of Lake, Osceola, Seminole, and Orange counties. Buyers include families, relocating professionals, second-home shoppers, and investors.

Cities & Towns Covered

This guide includes buyers in and around:

Orlando
Winter Park
Winter Garden
Windermere
Apopka
Altamonte Springs
Oviedo
Sanford
Kissimmee
Clermont
Davenport

Don’t see your town? If it’s nearby, I can probably help. Just ask.

What Buyers Here Often Consider

New construction, condos, townhomes, and communities with HOAs are common here, and each can affect loan requirements. Second homes and investment properties follow different rules than a primary residence.

Mortgage Options for Orlando & Central Florida Buyers

Depending on your qualifications and the property, financing may include conventional loans, FHA loans, VA loans for eligible borrowers, and certain low- or no-down-payment options. Program eligibility, credit requirements, income limits, loan limits, and property rules vary. I can help you compare financing for a primary home, a second home, or an investment property.

Questions Worth Asking Before You Buy

How much cash will you need for the down payment and closing costs? What monthly payment fits comfortably once taxes, insurance, and any HOA fees are included? The answers depend on your specific situation and current loan pricing.

Let’s Talk About Your Homebuying Plans

I’m Bob French, a mortgage loan officer based in Greater Atlanta. I cover all of Georgia and hold a Florida license, so I can help you compare financing options and understand the numbers.

Schedule Personal Time With Bob →Send a Mortgage Question

Bob French · NMLS #2333469 · David Kilpatrick Financial LLC · NMLS #1574879. This guide is general information, not a loan offer or a commitment to lend. Loan programs, limits, and requirements change and are subject to underwriting and lender requirements.