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Florida Mortgage Brokerage

Orange and Osceola Counties

Mortgage options in Orlando and Kissimmee

Published market figures for Orlando and Kissimmee, with the source and period for each, and the loan programs most relevant here.

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Market data

The Orlando and Kissimmee market, with its sources

Published figures for this market, each with the geography it measures, the period it covers and the source it came from. Where a figure covers a wider metro area than this page, it says so.

A median sale price is not a valuation, a closed-sales count is not a count of mortgages written, and neither is an indication of what any lender will approve. Figures are as reported on the date shown and are not updated continuously.

What is different here

What those figures mean in Orlando and Kissimmee

Each point below reads the figures above rather than restating them. They are the things that are true of this market and not of Florida generally.

  1. Orange County is strongly conventional: 19,685 of 25,012 reported originations in 2025, or 78.7%. VA is unusually thin at 1,548, or 6.2% — about a quarter of Clay County's VA share in the same year.

  2. Orange County's 2026 FHA limit of $541,287 sits roughly 22% above the Orlando-Kissimmee-Sanford MSA median single-family price of $441,860. That is real but narrow headroom: a purchase much above the metro midpoint leaves FHA behind and the next agency step is conventional, up to the county's $832,750 conforming limit.

  3. Orange and Osceola counties sit in the same metropolitan area, under the same median and the same FHA limit, and rely on FHA very differently — 15.1% of originations in Orange against 28.5% in Osceola. The programme mix here is a function of who is buying rather than of what the limits allow.

  4. A DSCR loan is qualified on the property's cash flow rather than the borrower's personal income, which is not the same as being unqualified. The property, the appraisal and often a rent schedule are underwritten, reserves are generally required, credit still prices the loan, and the terms are the lender's own rather than an agency's. Treating it as a route around underwriting is the most common and most expensive misreading of the product.

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Pathways that apply anywhere in Florida

These explain how each program works anywhere in Florida. The market pages above cover what changes locally.