Mortgage Broker Orlando FL

If you’re buying a home, refinancing, or investing in short-term rental property in Orlando, Lena Polnet is a licensed Florida mortgage broker with 28+ years of experience helping borrowers close with confidence. Based in Pennsylvania and licensed across Florida, Lena serves Orange County buyers, investors, and first-time homeowners with direct access to a broad range of loan programs. Call today: (215) 364-7171.

Orlando is one of the most dynamic real estate markets in the country. From the tourism-driven short-term rental economy near Disney World and Universal Studios to established neighborhoods like Dr. Phillips, Winter Park, and Lake Nona, buyers face intense competition and complex financing needs. Whether you’re purchasing a primary residence, a vacation home, or an Airbnb investment property, Lena structures the right loan for your goals.

Home Loans in Orlando FL

Orlando’s real estate market demands flexible, experienced mortgage guidance. Lena works with investors, relocating professionals, and first-time buyers throughout Orange County.

• DSCR Loans for Short-Term Rentals: Orlando is one of the top STR markets in the U.S. DSCR (Debt Service Coverage Ratio) loans qualify based on rental income — AirDNA projections, Airbnb/VRBO history — not your personal W-2. No tax returns required. Ideal for Disney-area condos, vacation homes near International Drive, and purpose-built STR properties.
• Conventional Loans: 3–20% down options for primary residences and second homes throughout Orange County. Competitive rates for borrowers with strong credit profiles.
• Jumbo Loans: For luxury purchases in Windermere, Dr. Phillips, and Lake Nona where median prices exceed conforming limits.
• FHA Loans: 3.5% down, flexible credit requirements — well-suited for first-time buyers entering Orlando’s competitive market.
• LLC Vesting: Investor borrowers who want to hold property in a business entity can be accommodated through DSCR programs that allow LLC or corporate vesting at closing.

Real Estate Investors in Orlando FL

Orlando ranks among the top U.S. markets for short-term rental investment. Proximity to Walt Disney World, Universal Studios, and the Orange County Convention Center keeps occupancy rates high year-round. Lena specializes in investor financing that matches how Orlando properties actually perform.

• DSCR Qualification: Qualify on property income, not personal income. Lena uses AirDNA market data and lease agreements to underwrite STR properties accurately.
• No Income Verification: Self-employed investors and those with complex tax returns benefit from DSCR and bank statement loan structures.
• Portfolio Financing: Scaling a multi-property STR portfolio? Lena structures financing that supports acquisition, refinance, and cash-out options across multiple properties.
• Short-Term Rental Underwriting: Not all lenders will finance properties with active Airbnb history. Lena works with lenders that specifically accommodate STR underwriting in tourist-zone markets like Kissimmee and Orlando.

Florida First-Time Homebuyer Programs

First-time buyers in Orlando have access to several state-backed assistance programs through the Florida Housing Finance Corporation.

• Florida Housing Finance Corporation: Offers 30-year fixed-rate first mortgages at below-market rates for income-qualifying buyers.
• FL Assist Second Mortgage: Up to $10,000 in down payment assistance as a 0% interest, deferred second mortgage — no monthly payments while you own the home.
• HFA Preferred and HFA Advantage: Conventional loan programs with reduced mortgage insurance and down payment assistance for buyers at or below area median income.
• Homebuyer Education: Florida Housing requires a USHUD-approved homebuyer education course for most assistance programs. Lena can point you to approved providers.

Income and purchase price limits apply. Lena reviews your full profile to determine eligibility before you begin your home search.

Frequently Asked Questions — Mortgage Broker Orlando FL

Can I get a mortgage for an Airbnb property near Disney World?

Yes. DSCR loans are designed specifically for short-term rental investors. Lena qualifies the loan based on the property’s projected or actual rental income using AirDNA data — not your personal tax returns. Many Disney-area condos and homes in Kissimmee and Orlando qualify under these programs.

What credit score do I need to buy a home in Orlando?

FHA loans are available with scores as low as 580 with 3.5% down. Conventional loans generally require 620+. DSCR investor loans vary by lender but often require 660–680 minimum. Lena reviews your full credit profile and recommends the program that positions you best.

How long does it take to close a mortgage in Florida?

Most purchase loans close in 21–30 days with complete documentation. DSCR and non-QM programs may take 25–35 days. Lena coordinates directly with title companies, real estate attorneys, and appraisers to keep your closing on schedule.

Get Pre-Approved — Orlando FL Mortgage Broker

Lena Polnet is licensed in Florida and Pennsylvania. Whether you’re buying your first home in Orlando, refinancing an investment property, or scaling an Airbnb portfolio near Disney World, Lena has the loan programs and investor experience to close your deal.

Call (215) 364-7171 or visit dynamicfunding.net to start your pre-approval today.

Dynamic Funding Solutions | Lena Polnet, NMLS #17225 | Company NMLS #17144 | Licensed in PA and FL | (215) 364-7171 | This is not a commitment to lend. All loans subject to credit approval, income verification, and property eligibility. Programs and rates subject to change without notice.