Clear2 Mortgage is licensed in Florida and helps Orlando homebuyers, relocating professionals, and investors find the right loan structure. We shop 50+ wholesale lenders to get you a rate retail banks can't match.
Morgan Lorkowski helps homebuyers and homeowners navigate the financing process from initial consultation through closing, with a focus on finding the right loan structure for each client's situation and timeline.
Orlando is adding roughly 1,500 new residents every week, drawn by jobs in healthcare, technology, and hospitality. That sustained demand, combined with +30% more inventory compared to a year ago, is creating real opportunity for buyers who come prepared with a strong pre-approval.
At around $450,000, Orlando's median home price sits about 42% below Miami, making it one of the most accessible major Florida markets for buyers relocating from higher-cost states. Remote workers earning out-of-state salaries are particularly well-positioned here.
As an independent broker, Clear2 is not tied to any one bank's product shelf. We compare rates and programs across 50+ wholesale lenders and find loan structures that most retail lenders can't offer, including FHA loans up to $541,287, conventional loans up to $832,750, VA loans for veterans at the Lake Nona VA Medical Center, DSCR financing for investors, and bank statement loans for the growing self-employed buyer segment relocating from high-tax states.
With access to 50+ wholesale lenders, Clear2 covers every loan program available in Florida, including options most Orlando buyers don't know they qualify for.
The $541,287 FHA limit covers most Orlando purchases below the median. 3.5% down, flexible credit requirements, and a straightforward path for buyers entering the market.
Down payments as low as 3%. No PMI at 20% down. Works across the full price range from College Park entry-level purchases to Winter Park move-up homes.
$0 down for eligible veterans. The VA Medical Center in Lake Nona makes Orlando a natural fit for VA financing. No PMI, competitive wholesale rates.
Qualify on rental income, not personal income. No tax returns required. Strong fit for the Orlando investment market driven by tourism, hospital, and theme park employment demand.
12, 24 months of bank statements instead of tax returns. Built for the growing wave of business owners and self-employed professionals relocating from high-tax states to Orlando.
FL Assist offers up to $10,000 in deferred down payment assistance. FL Hometown Heroes provides additional support for qualifying professionals. Ask about current funding status.
Access up to 90% CLTV with a revolving line of credit. Interest-only draw period, flexible repayment. Perfect for renovations, debt consolidation, or big expenses.
Orlando is not one market. Each neighborhood has its own price range, buyer profile, and loan program fit. Here is what Clear2 sees in the Orange County market.
Home to UCF Medicine, Nemours Children's Hospital, and the VA Medical Center. Median around $785,000 with 8% year-over-year appreciation — one of Florida's fastest-appreciating submarkets. Conventional and jumbo financing are most common here.
Historic neighborhood with vibrant Park Avenue dining and retail. Median near $654,000 with steady 3% annual appreciation. Conventional loans dominate this market. Buyers here tend to have strong credit profiles and established equity.
Master-planned community on a former Navy base with walkable streets and highly rated schools. Median around $575,000 with 6% annual growth. Strong demand from families and professionals seeking walkable, community-oriented living.
Bungalow-lined streets, local restaurants, and neighborhood parks. The go-to for entry-level buyers who want character over a cookie-cutter subdivision. FHA and conventional both work well in this price range.
Orlando's most walkable residential neighborhood, adjacent to Lake Eola Park. Historic bungalows command premium prices near $890,000. Conventional and jumbo financing for buyers with strong down payment capacity.
The primary investment and vacation property corridor in the Greater Orlando area. Strong short-term rental demand from tourism, theme park, and convention traffic. DSCR financing is active here for buyers qualifying on projected rental income.
Five-star reviews from Clear2 clients on Google.
"Donavin was straightforward and a breeze to work with. Communication was quick and easy. The whole process was seamless and he was available for guidance or questions. I would not hesitate to use Clear2 Mortgage in the future."
"Alex was absolutely amazing from the beginning. He was patient and thorough with all of our questions. He even followed up after the process was finalized to ensure everything was still good. I would recommend him to everyone!"
"The process was seamless and every question I had as a first-time home buyer was answered. My loan officer gave me his professional opinion based on my specific circumstances to personalize my loan."
What credit score do I need to buy a home in Orlando?
Most conventional loans require a minimum 620. FHA loans allow 580 with 3.5% down. Clear2 works with multiple wholesale lenders and can often find options for borrowers outside those standard ranges.
How much down payment do I need at Orlando's median price?
Conventional starts at 3%, FHA at 3.5%, and VA is $0 down. At a $450,000 median, FHA buyers need roughly $15,750 down before closing costs. The FL Assist program can provide up to $10,000 in deferred assistance for qualifying buyers.
Is Orlando a good market for investment properties?
Yes. Tourism, healthcare, and theme park employment create strong year-round rental demand. DSCR loans let investors qualify on projected rental income rather than personal income, with no tax returns required. The I-Drive and Kissimmee corridor is particularly active for short-term rental financing.
What first-time buyer programs exist in Orange County?
The FL Assist program offers up to $10,000 as a deferred, 0% interest second mortgage. FL Hometown Heroes provides additional support for eligible professionals in qualifying occupations. Funding availability changes periodically; ask Morgan about current status when you apply.
How does homeowners insurance affect my Orlando mortgage costs?
Homeowners insurance in Florida averages $3,600 to $6,000 per year on coastal properties, with inland Orlando typically at the lower end of that range. Properties in FEMA Special Flood Hazard Areas also require separate flood insurance. These costs factor into your debt-to-income ratio, so it is important to get accurate insurance estimates early in the process.
Does Clear2 lend in Florida?
Yes. Clear2 Mortgage (Company NMLS #1911663) is licensed in Florida and actively serves Orlando-area buyers. Our loan officers work remotely with Florida clients throughout the process. Reach us at (248) 970-0040, Monday through Friday, 9am to 6pm ET. You can also start a rate quote or pre-approval online anytime.
Can I get a HELOC in Orlando?
Yes. Clear2 offers HELOCs up to 90% combined loan-to-value (CLTV) in Florida, including Orlando. You can draw on the line as needed during a 10-year draw period and make interest-only payments. It's a strong option for homeowners looking to fund renovations, consolidate high-interest debt, or cover major expenses without refinancing. See our full HELOC program details.
No obligation, no hard credit pull. Just a clear picture of what you qualify for from a team licensed in Florida and ready to close in 30 days.
Clear2 Mortgage, LLC. NMLS #1911663. Licensed Mortgage Broker. 2600 W Big Beaver Rd, Suite 100, Troy, MI 48084. Equal Housing Lender. This is not a commitment to lend. All loans subject to credit approval, property appraisal, and underwriting guidelines. Rates and terms subject to change without notice.
Clear2 Mortgage, NMLS #1911663. Licensed mortgage broker. Loans subject to underwriting approval. Not a commitment to lend. Rates and programs subject to change without notice. Florida: Licensed by the Florida Office of Financial Regulation. Morgan Lorkowski, NMLS #1845188. Equal Housing Opportunity. Homestead exemption information is provided for general reference only; consult your county property appraiser for eligibility. FL Assist and FL Hometown Heroes program availability and funding status are subject to change; contact us for current details.
