Buying a Home?

We have helped countless individuals and families achieve their dream of homeownership. If you are a first-time home buyer, our team will help guide you through the loan process painlessly. Our variety of mortgage options will allow you to buy your first home with very little down. Speak with one of our experts today!

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Generally know what you’re looking for? Waste no more time. See if you pre-qualify with Equity Prime Mortgage Orlando. One of our awesome Loan Officers will get back to you shortly and get you on your way.

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Refinance

Mortgage refinancing can help you lower your monthly payments, and over the long run, add up to significant savings. Knowing your options is important so that you get the maximum benefit possible. Our site offers information on a variety of mortgage refinancing rates & options.

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Loan Products

Conventional Loans

Equity Prime Mortgage Orlando is a Fannie Mae direct seller and servicer of Conventional Loans. Fixed and adjustable rate mortgages are available under Conventional Loans for the following purposes:

Purchase Loans up to 95% Loan to value

Rate & Term refinance loans up to 90% Loan to value

Cash out loan up to 80% Loan to value

Investment properties up to 75% loan to value

FHA Loans

FHA Loans are designed for low to moderate income borrowers with flexible underwriting requirements.

Equity Prime Mortgage is a FHA Full Eagle Lender. This allows us to underwrite government loans in-house.

VA Loans

Made with veterans and active duty military in mind, VA Loans offer great savings to borrowers who qualify.

Equity Prime Mortgage Orlando is a direct lender of VA Loans that offer advantages like purchasing with no down payment and no private mortgage insurance (PMI).

USDA Rural Home Loans

Fit for first-time home buyers with low to moderate income looking to purchase a home in rural areas. A USDA Loan can be 100% financed based on Appraised Value vs. Sales Price and closing costs can be rolled into the loan.

Jumbo Loans

Looking to purchase a home with a high ticket price?

95% financing with no M/I up to $1.5MM

Doctor Loans” up to 97% financing with no M/I

Home Equity

With Home Equity Mortgages we offer stand alone 2nd mortgages for home improvements or in connection with a first mortgage to purchase a home.

Reverse Mortgages

If you are 62 years or older looking for a home equity loan, this may be the solution for you.

A Reverse Mortgage, or Home Equity Conversion Mortgage (HECM), gives the borrower the opportunity to become more financial secure through retirement. Funds can be received in a lump sum, set monthly amount, or a combination of both.

Energy Efficient Mortgages

Going green with your home is now made easier with an Energy Efficient Mortgage, allowing you to finance improvements to your home’s energy efficiency.  The Energy Efficient Mortgage gives you the ability to stretch your total debt ratio to include these costs effective, energy savings measures. 

Whether buying a new construction, existing home or refinancing your current residence, you can save money from your out of pocket expenses.  The best part is the programs are federally recognized and can be attached to most mortgages.

Down Payment Assistance

Need help with your down payment?

100% FHA financing available through Equity Prime Mortgage

County programs available (SHIP, HOME KEY, KEYSTONE)

City programs available

State programs available (Bond)

Mortgage Credit Certificate (MCC)

Rehab Loans

Need help with your rehab loans?

FHA 203k

FNMA Homestyle Renovation

Escrow holdback available up to $5k

 Portfolio Products

W-2 ONLY loans (no tax returns required)

Bank Statement loans (no tax returns required)

Cash-flow loans for investors (no tax returns required)

Foreign National loans up to 75% LTV

ITIN loans for borrowers without a Social Security card

No Score” loans for borrowers with no credit scores

100% Financing for Disaster Relief Victims

Reverse Mortgages (HECM)

Construction to Perm loans

Hard Money loans

For more Licensing Information click here.

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT (877) 276-5550

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.