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
Discover the perfect blend of modern technology and personalized service at On Target Mortgage. With over two decades of financial experience, we are committed to making your home-buying or financing journey seamless and stress-free.
We handle every detail of the process — from 24-hour pre-approvals to final title closing in our Orlando office — ensuring nothing is overlooked and your closing happens strictly on time.
20+ Years of Mortgage & Financial Industry Experience
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.
Bi-Lingual Florida Mortgage Solutions
Dense, transparent options tailored to 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
- Pre-approvals delivered in 24–48 hours
- Down payments as low as 0% for eligible buyers
- Closing cost assistance available
Refinance Your Home
Lower your monthly payment, drop private mortgage insurance, or leverage your home equity for debt payoff and 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 an LO
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 LOs
- 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.
24–48 Hour Pre-Approval
Apply today and have a verified pre-approval letter in hand within 24 to 48 hours — fast enough to keep pace with Florida real estate.
Bi-Lingual 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 initial registration to holding your keys, our bi-lingual lending process is built for speed and zero guesswork.
Apply Online
Complete our secure online pre-approval application in under 10 minutes.
Get Pre-Approved
Receive loan options and your verified pre-approval letter within 24 to 48 hours.
Find Your Home
House-hunt with confidence knowing your pre-approval stands firm in Florida.
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.