Aerial view of downtown Orlando and Lake Eola

~$400K

Median Sale Price

Balanced

Market Trend

FHA & Investor

Popular Loans

~4 mo.

Housing Supply

Neighborhoods we serve in Orlando:
Thornton ParkCollege ParkBaldwin ParkLake NonaWinter Park

Today's Orlando Mortgage Rates

Mortgage rates as of 7/10/2026

Orlando Mortgage Rates Today: A Balanced Market for Buyers

Orlando home prices hover around the $400,000 mark, and with roughly four months of supply the market has swung toward balance, more choice, longer days on market, and room to negotiate. Demand stays strong across Downtown/Thornton Park, College Park, Baldwin Park and the master-planned communities of Lake Nona. On Mortgage compares lenders on every scenario so relocating families and first-time buyers alike lock a competitive rate.

Orlando investment property

Investor & Short-Term Rental Financing Near the Parks

Few markets attract investors like Orlando, where proximity to the theme parks fuels vacation-rental demand. On Mortgage offers DSCR and investment-property loans that qualify on the property's rental income rather than your personal income, ideal for short-term-rental buyers and portfolio investors. We'll structure financing around cash flow, LTV and reserves so your Orlando rental pencils out.

HOA & CDD Fees: Budgeting Beyond the Rate in Orlando

Many of Orlando's newer master-planned communities carry HOA dues and CDD (Community Development District) assessments that lenders count toward your qualifying ratios. On Mortgage builds those costs into your pre-approval so there are no surprises, and helps first-time buyers stretch FHA's 3.5%-down option across Orange County. See FHA loans in Orlando or reach an Orlando mortgage broker on our team.

Orlando Mortgage Rates: Frequently Asked Questions

What are today's Orlando mortgage rates?

Live Orlando rates appear at the top of this page and refresh daily. Your rate is based on your loan amount, LTV and credit score. Orlando's balanced market gives buyers more negotiating room than in recent years.

Can I finance an investment or short-term rental in Orlando?

Yes. Near the theme parks, vacation-rental demand is strong. On Mortgage offers DSCR and investment-property loans that qualify on the property's rental income rather than your personal income.

What are CDD and HOA fees, and do they affect my loan?

Many Orlando master-planned communities carry HOA dues and CDD assessments, and lenders count them toward your qualifying ratios. We build these into your pre-approval so your budget holds up.

Is Orlando good for first-time buyers?

Yes. FHA's 3.5%-down option works well at Orlando's price point, and we can pair it with assistance programs across Orange County.

Which Orlando areas do you serve?

All of them, from Downtown and Thornton Park to Baldwin Park and the master-planned communities of Lake Nona.

Our Reviews

We Serve the Entire State of Florida

At On Mortgage, we proudly provide mortgage solutions to homebuyers and investors throughout Florida. Here are some of the cities we serve near Miami, but we aren’t limited to these locations:

Boca RatonBoynton BeachCape CoralClearwaterCoral SpringsDavieDaytona BeachDeerfield BeachDoralFort LauderdaleHallandale BeachHialeahHollywoodHomesteadJacksonvilleKendallLauderdale LakesMiamiMiami BeachMiramarOrlandoParklandPembroke PinesPine HillsPlantationPompano BeachPort Saint LucieSaint PetersburgSunriseTallahasseeTampaWest Palm BeachWeston