FHA Loans in Orlando

We offer low rates and friendly help to make buying your dream home simple.

Get Started Today

Important Things You Should Know

Down payments as low as 3.5% with a 580+ credit score, making it one of the most accessible loan options available.
More flexible credit requirements than conventional loans — past credit issues don’t automatically disqualify you.
Mortgage Insurance Premium (MIP) is required both upfront and monthly. This is the trade-off for the lower entry requirements.

3.5%

3.5% minimum down payment on a $300,000 home means you need just $10,500 to get started.

25%

FHA loans make up roughly 25–30% of all purchase mortgages in the U.S., making them one of the most widely used loan programs.

500

Credit scores as low as 500 may qualify — though a 10% down payment is required for scores between 500–579.

Steps To Apply For A Mortgage In Orlando

We'll Take You From Application to Closing in 30 Days or Less

Buying a home is one of the biggest financial decisions you'll ever make — and the mortgage process doesn't have to make it harder. At Edge Mortgage USA, we've built a clear, five-step path to help Orlando buyers go from first-time applicant to proud homeowner without the confusion or delays that slow most buyers down.

Whether you're purchasing your first home in Orlando or refinancing an existing one, our licensed mortgage advisors are with you at every stage — from preapproval through closing day.

Model house with gray roof and red walls beside a key with a house-shaped keychain on a wooden surface.

Preapproval is where every smart Orlando buyer starts. We'll review your income, assets, employment history, and credit profile to determine exactly how much you're qualified to borrow. This is not a rough estimate but a verified number that carries real weight in Orlando's competitive real estate market. Our preapproval process is fast, fully online, and gives you the clarity you need to shop with confidence.

Modern white house with large glass doors, a patio, swimming pool, and green landscaping under blue sky.

Once you've selected the right loan program, we'll issue your Prequalified Approval Letter, the document that tells sellers you're a serious, ready-to-buy borrower. Not sure which loan type fits your situation? Our Orlando Home Loan Specialists can walk you through conventional, FHA, VA, USDA, and jumbo options so you're moving forward with the right fit from day one.

Two-story suburban house with blue siding, purple shutters, front porch, and well-kept lawn on sunny day.

With your approval letter in hand, it's time to find your home. We recommend partnering with a local Orlando real estate agent who knows the neighborhoods, can match properties to your budget and priorities, and will guide you through the offer and negotiation process. Once your offer is accepted, Edge Mortgage USA coordinates directly with your agent to keep everything on track.

Modern two-story white house with three black garage doors and a covered porch with rocking chairs.

After your offer is accepted, your loan moves into underwriting, where we take a detailed look at your financials and the property to confirm everything meets lending requirements. Our team verifies your income and assets, orders the appraisal, confirms clear title, and coordinates all Florida state-required inspections. Once complete, you'll receive your Closing Disclosure outlining your final loan terms, monthly payment, interest rate, and closing costs.

City skyline with modern buildings and a fountain reflected on calm lake water at sunset.

Closing day is the finish line, and Edge Mortgage USA makes sure you cross it with confidence. We'll schedule your closing meeting, walk you through every document you sign, and ensure there are no last-minute surprises. Just bring a valid photo ID and your closing funds via cashier's check or wire transfer, and once your loan is funded, you're officially an Orlando homeowner.

How long do I have to pay mortgage insurance on an FHA loan?

If you put down less than 10%, MIP lasts for the life of the loan. With 10% or more down, MIP drops off after 11 years. Many borrowers refinance into a conventional loan once they hit 20% equity to eliminate mortgage insurance entirely.

Is an FHA loan only for first-time buyers?

No. While FHA is popular with first-time buyers, repeat buyers can use FHA loans too. There’s no first-time buyer requirement.

Are there loan limits on FHA?

Yes. FHA loan limits vary by county and are updated annually. In most areas, the 2025 limit for a single-family home is $524,225, with higher limits in high-cost areas up to $1,209,750.

Can I use an FHA loan for a fixer-upper?

Yes. The FHA 203(k) program lets you finance both the purchase and renovation costs into a single loan, which is a great option for homes that need work.

What are the debt-to-income requirements?

FHA allows debt-to-income ratios up to 43%, and in some cases up to 50% with compensating factors like strong reserves or a history of managing similar housing payments.

FHA Loans in Orlando

Get Started Today

Important Things You Should Know

Down payments as low as 3.5% with a 580+ credit score, making it one of the most accessible loan options available.

More flexible credit requirements than conventional loans — past credit issues don’t automatically disqualify you.

Mortgage Insurance Premium (MIP) is required both upfront and monthly. This is the trade-off for the lower entry requirements.

Who Is The Best Fit?

Steps To Apply For A Mortgage In Orlando

Frequently Asked Questions

Loan Products

Tools