Get pre-approved in 24 to 48 hours.
Florida's mortgage experts, locked in on your goal. One team for purchase, refinance, and investor loans with zero runaround.
Proud to be your Florida Mortgage Experts
On Target Mortgage pairs a simple online loan portal with loan officers you can call or meet at our Orlando office. Our team brings 25+ years of collective experience to your purchase or refinance.
We handle each step, from your pre-approval to the title closing at our Orlando office. Many pre-approvals come back in 24 to 48 hours once your documents are in. We work to keep your closing on schedule.
25+ years of collective experience in mortgage and financial services
Whether it's your first Florida home, an investment property, or refinancing your current mortgage, our team works directly with real estate agents, builders, and title agents to close every transaction smoothly.
Florida mortgage loans in English and Spanish
Clear loan options for buyers, homeowners, and real estate investors across Florida.
Purchase a New Home
Whether it's your first Florida home, move-up property, or a new construction build, we deliver fast pre-approvals and clear numbers.
- FHA, Conventional, VA & USDA options
- Many pre-approvals come back in 24 to 48 hours once your documents are in
- Low down payment options, including programs for first-time buyers
- Closing cost assistance available
Refinance Your Home
Lower your monthly payment, drop private mortgage insurance, or use your home equity to pay off debt or fund renovations.
- Rate & Term Refinance options
- Cash-out refinance for home projects
- Streamline options for FHA & VA borrowers
- Clear line-by-line savings analysis
Talk to a loan officer
Connect directly with our local Florida loan officers. We look at your whole financial picture to match you with the right loan.
- Direct line to licensed loan officers
- Custom scenario planning & advice
- Investor DSCR & Non-QM guidance
- In-person closings in Orlando, FL
Four Pillars Behind Every Closing
How our dedicated Florida lending team keeps your financing moving forward without friction.
24 to 48 hr typical turnaround
Apply today. Many pre-approvals come back in 24 to 48 hours once your documents are in, fast enough to keep pace with Florida real estate.
Bilingual loan team
English and Spanish fluent mortgage professionals who communicate every detail clearly, no confusion, no missed steps, no language barriers.
Full Product Menu
Conventional, FHA, VA, USDA, and Non-QM DSCR loans, the right program matched to your exact scenario, not just the easiest one for us.
Licensed Florida Team
A locally licensed Orlando team (NMLS #2629561) in your corner from the first call through the closing table, communicating proactively.
How It Works
From your application to your keys, our bilingual team walks you through each step.
Apply Online
Complete our secure online pre-approval application in under 10 minutes.
Get Pre-Approved
Receive your loan options and pre-approval letter. Many pre-approvals come back in 24 to 48 hours once your documents are in.
Find Your Home
Shop for homes with your pre-approval letter in hand.
Complete Purchase
We coordinate with your agent, builder, and title company in lockstep.
Close & Move In
Sign papers at our Orlando home office or remotely, and collect your keys.
What Florida Clients Say
Real reviews from real homebuyers and homeowners we've helped hit their mark.
Ready to hit your mark?
Start your pre-approval today with zero runaround. Our Orlando loan team is ready to lock in your loan.