Orange, Seminole, Osceola, Lake · Licensed statewide
Orlando mortgage broker
Orlando / Orange, Seminole, Osceola, and Lake: Lake Nona CDD in DTI, short-term rental condos and occupancy, Hometown Heroes, VA, conventional, and DSCR. Melvin List is a Tampa-based Florida loan officer. No Orlando branch. E-sign statewide.
- Orange County 2026 conforming 1-unit follows the Florida baseline of $832,750.
- Lake Nona, Horizon West, and other master-planned communities: CDD assessments plus HOA belong in housing expense even when the CDD sits on the tax bill.
- Short-term rental condos near the parks: occupancy and HOA language first. DSCR is for investment, not a primary-residence product.
- Winter Park, College Park, and older Central Florida stock: insurance and flood quotes belong in the payment, not just the note rate.
- Veterans: VA purchase and Florida VA one-time construction, originated statewide. This is not an Orlando VA office.
Programs that commonly fit this market: VA, VA construction, FHA, conventional, Hometown Heroes, DSCR, non-QM. This is a service area for a Tampa-based Florida loan officer — not a Orlando storefront. Call (813) 629-5478.