Orlando, Florida
Mortgage Company in Orlando, FL
- 100+ lenders, one application
- Vacation rental loans
- No credit pull to start
Orlando buyers range from first timers in Kissimmee to investors buying near the parks. Access Financial is an independent mortgage company in Orlando FL. One application puts your file in front of more than 100 lenders.
Serving
Orlando, Kissimmee, Winter Park and Lake Nona
Office
8115 Maple Lawn Blvd, Suite 350
Fulton, MD 20759
Phone
(443) 494-4001- Lenders100+ wholesale
- PreapprovalSame day letter
- FL licenseMBR2238
- NMLS1370402
- $375KTypical Orlando home
- 27 daysTo pending
- 66.2%Sold under list price
- 100+Wholesale lenders
Loan programs
Homes for living in and homes for renting out
Townhouses in Lake Nona, bungalows in College Park and rentals near the attractions. Each runs through one mortgage company in Orlando FL.
FHA loans
FHA loans in Orlando offer 3.5 percent down with flexible credit rules.
About FHA loansConventional 97
3 percent down for qualified buyers. A common start for a first time home buyer Orlando file.
About Conventional 97Purchase loans
Orlando home loans for new builds, resales and townhouses across Orange and Osceola.
About purchase loansShort term rental loans
Short term rental loans Orlando investors use near the parks can qualify on projected income.
About short term rental loansSecond home loans
A place to spend the winter follows second home rules on down payment and use.
About second home loansDSCR investor loans
Long term rentals can qualify on the rent instead of your paycheck.
About DSCR loansWhy us
More lenders, more ways to say yes.
Big banks quote their own programs only. We are an independent mortgage company in Orlando FL, licensed in Florida. One application reaches more than 100 lenders and each offer comes back in writing.
Investor rules understood
Vacation rentals, HOAs that limit rentals and second homes each carry different rules. We match the loan to your plan.
Insurance in the estimate
Florida insurance costs change the payment. We price them in from the start.
One loan officer, start to finish
You deal with one person from the first call to closing.
No credit pull to begin
We talk numbers first and check credit only when you proceed.
The Orlando market
Two out of three homes sell under asking.
Zillow put the typical Orlando home value near $375,175 in June 2026, with homes pending in about 27 days. About 66.2 percent of sales closed under list price.
That gives buyers room to ask for seller credits. A written preapproval from a mortgage company in Orlando FL makes those requests stick.
What one application gets you
- Lenders who can see your file100+
- Loan programs reviewed40+
- Time to a preapproval letterSame day
- Loan officers handling you1
- Credit pulled to get this farNone
Who we help
Why are you buying in Orlando?
Most calls to a mortgage company in Orlando FL start with one of these four.
"We rent in Kissimmee and want our own place."
Low down payment loans can bring ownership close to rent.
Rent vs buy calculator"I want a vacation rental near the parks."
Short term rental loans can count projected nightly income.
Short term rental loans"We want a winter home and keep our house up north."
Second home loans fit that plan. We compare terms.
Second home loans"We are relocating for a job at Lake Nona."
A signed offer letter can count before your first paycheck.
Purchase loansWhere we lend
Orange, Osceola and Seminole counties
One mortgage company in Orlando FL file covers the metro, from Sanford to Kissimmee. Searching for a mortgage lender near me from Winter Garden or Oviedo? Our team handles Orlando home loans by phone and online.
- Downtown Orlando
- College Park
- Thornton Park
- Baldwin Park
- Winter Park
- Lake Nona
- Dr. Phillips
- Windermere
- Winter Garden
- Kissimmee
- St. Cloud
- Oviedo
- Sanford
- Altamonte Springs
- Clermont
How it works
From first call to keys
Working with a mortgage company in Orlando FL like ours runs by phone and online.
- First callIncome, plans and the property typeAbout 10 min
- Lender matchFile sent to lenders that fitSame day
- PreapprovalA written letter for your agentSame day
- ClosingOne loan officer throughout30 to 45 days
Other locations
Other Florida areas
Each area below works with the same loan officer team.
Before you apply
Worth reading first
What Orlando buyers open before choosing a lender.
Find out what you qualify for
Negotiate with your letter in hand
Tell us how you are paid and what you want to buy. Options come back in writing, and nothing touches your credit to start.
Call (443) 494 4001 to reach a mortgage company in Orlando FL, or apply online.
Access Financial Mortgage Corp. NMLS 1370402. Florida License MBR2238. Equal Housing Opportunity. This is not a commitment to lend. All loans are subject to credit approval, property review and program guidelines.
FAQ
Orlando buyers want to know
Why use a mortgage company instead of a bank?
Your credit union has one menu of loans. A mortgage company in Orlando FL compares many lenders on one application.
Can I finance a vacation rental?
Yes. Short term rental loans can qualify on projected rental income.
Is there help for a first time home buyer in Orlando?
Yes. A first time home buyer Orlando file can start at 3 percent down, and Florida Housing offers statewide programs.
Do HOAs limit rentals?
Some do. We check the rules before you commit.
Do you have an Orlando office?
No. We are based in Maryland and handle Florida loans remotely, start to finish.
How fast can I be preapproved?
Many buyers who call a mortgage company in Orlando FL like ours have a letter the same day.