Competitive Mortgage Loan Rates in Orlando

Competitive Mortgage Loan Rates in Orlando and Surrounding Area

If you are searching for a home in Lake County, Polk County, or Orange County, choose from our diverse home loan options. Maria Betancourt with Primary Residential Mortgage expertly helps Orlando area borrowers find mortgage loan rates suitable for their financial situations. If you’re looking for a traditional mortgage, we can assist you in getting a 15- or 30-year fixed-rate mortgage. We can also help you obtain adjustable-rate mortgages (ARMs).

If you’re looking for non-conventional options, look no further; we feature programs such as manufactured housing loans and 2-1 buy down mortgages.

Our professionals are also qualified to assist you in obtaining government-backed mortgage loan options such as VA, FHA, and USDA.

Disaster Relief Loan

If a disaster hits your home in Orlando, we’ll help you apply for a disaster relief loan — a long-term, low-interest loan that can cover uninsured losses. This option provides you with financial assistance to repair and rebuild your home. PRMI Orlando’s team helps you through difficult times.

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First-Time Homebuyer

Our professionals make the home buying process a breeze, even for first-time homebuyers. Choosing and applying for a mortgage in Orlando is a daunting task for most borrowers, but it doesn’t have to be. We’ll walk you through every step, from pre-approval to closing, so you can make well-informed decisions. We take care of the pre-qualification, appraisal, underwriting and other processes involved.

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Low Credit Loan

A low-credit loan helps borrowers in Orlando fund their home, even if they have a weak credit score or no credit at all. This loan may be more expensive than traditional options, but it opens doors for those who previously were unable to buy a home. Financial institutions consider low credit scores a risky investment. But even if your credit score isn’t impressive, our professionals can still help you purchase a house.

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Reverse Mortgage

A reverse mortgage is a type of loan that converts the equity of your Orlando home into cash, which you can receive as a lump sum. Unlike a traditional mortgage, a reverse mortgage doesn’t require monthly payments; instead, the loan is repaid when the borrower dies, changes their permanent address or sells the property.

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If you want to improve the terms of your existing loan, you may consider refinancing. This is a new loan that pays off the debt of the old loan and comes with better terms. Borrowers who refinance their loans in Orlando often save money on interest costs, make lower payments or shorten the loan terms.

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At PRMI Orlando, we consider mortgage pre-qualification the first step toward homeownership in Orlando and surrounding areas including Lake, Polk, and Orange Counties. Our professionals will check your credit score to make sure you qualify for a loan and determine your ideal price range. Your pre-qualification letter gives you the green light to look for your dream home, and the price range helps you direct your search to homes you can afford.

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VA Loan

This loan program was established by the Department of Veteran Affairs to help service members, veterans and can help eligible surviving spouses finance a new home or build, repair or retain their current house in the greater Orlando area. The VA loan offers up to 100% financing, provided that the borrowers meet the qualifying standards.

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FHA Loan

This is a loan backed by the Federal Housing Administration (FHA) and comes with a low fixed rate. An FHA loan is best for low-to-moderate income borrowers in Orlando and surrounding areas because they require lower down payments. If your credit score is at least 580, you qualify for an FHA loan (though borrowers with a score between 500 and 579 can still qualify with a 10% down payment).

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If you want a home in the rural parts of the greater Orlando area including Lake, Polk, and Orange Counties, a USDA loan is the ideal option for you. This loan is backed by the Department of Agriculture and is best for borrowers with a low-to-moderate income. It doesn’t require a down payment and comes with reduced mortgage insurance premiums and below-market mortgage rates.

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Conventional Loan

This is a loan option not backed by a government entity, such as the FHA, USDA or VA. Instead, it follows the guidelines set by Fannie Mae and Freddie Mac, institutions that help standardize the mortgage lending process. A conventional loan is ideal if you’re looking for the most competitive interest rates in the greater Orlando area including Lake, Polk, and Orange Counties.

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