Mortgage Group Powered by· NMLS# 2108504
Orlando, FL · Licensed in 33 States + DC & Puerto Rico · NMLS# 2108504

Orlando's mortgage team for home loans, VA loans, and investor financing.

Icon Mortgage Group is headquartered in Orlando, Florida, helping homebuyers and real estate investors across Florida — and licensed borrowers nationwide — with Conventional, FHA, VA, DSCR, short-term rental, and fix & flip loans. Clear numbers, real answers, no surprises at closing.

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500+Families financed
15+Years of lending
5.0★Zillow client rating

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Tell us a bit about your loan and a loan officer will follow up within one business day.

Loan Programs in Orlando & Across Florida

A full product shelf under one roof

From a first home in Orlando to a statewide portfolio of Florida rental properties, we rarely have to turn a borrower away. If there's a loan for it — including VA, DSCR, short-term rental, and fix & flip — we probably have it.

Conventional

The workhorse of home financing — fixed and adjustable rates, as little as 3% down for first-time buyers, and PMI that drops off once you reach 20% equity.

Orlando conventional loan details →

FHA

Just 3.5% down with credit scores as low as 580, flexible debt-to-income limits, and forgiving guidelines for past credit events. The go-to for first-time buyers.

Orlando FHA loan details →

VA Loans

Zero down, no monthly mortgage insurance, and competitive rates for veterans, active-duty service members, and eligible surviving spouses buying in Orlando, anywhere in Florida, or nationwide. You earned this benefit — use it.

Orlando VA loan details →

USDA

100% financing for homes in eligible rural and suburban areas — no down payment required, reduced mortgage insurance, and income limits that are higher than most people expect.

Orlando-area USDA loan details →

Jumbo

Financing above conforming loan limits for higher-priced homes, with competitive rates, flexible terms, and options for primary residences, second homes, and investment properties.

Orlando jumbo loan details →

DSCR — Investor Loans

Qualify on the property's rental income, not your personal income — no tax returns, no W-2s, no employment verification. Built for investors scaling a rental portfolio of long-term or short-term rentals in Florida and beyond.

Orlando DSCR loan details →

Short-Term Rental Loans

DSCR financing built for Airbnb and VRBO properties — qualify using projected or actual short-term rental income instead of a long-term lease, popular with investors buying vacation rentals near Orlando, Disney, and across Florida.

Short-term rental loan details → Run the numbers →

Fix & Flip

Fast, short-term financing for purchase plus rehab — with as little as 0% down for qualified investors. Close in days, fund the renovation, and get to the resale (or refinance into a DSCR loan once it's stabilized as a rental).

Orlando fix & flip details →

Non-QM

Real financing for borrowers who don't fit the W-2 box. Qualify with 12–24 months of bank statements, a CPA-prepared P&L, 1099s only — or a no-ratio option with no income documentation at all.

Bank StatementP&L OnlyNo Ratio1099 Only
Orlando Non-QM loan details →

Down Payment Assistance

Grants, forgivable seconds, and low-interest assistance programs that can cover some or all of your down payment and closing costs. Ask us what you qualify for in your state — many buyers are surprised.

Orlando down payment assistance details →

Bridge Loans

Buy your next home before your current one sells. A bridge loan unlocks the equity in your existing home so you can make a strong, non-contingent offer — then pay it off at closing.

Orlando bridge loan details →

Commercial

Financing for mixed-use, multifamily (5+ units), retail, office, and owner-occupied business properties. Purchase, refinance, and cash-out options sized to the deal.

Orlando commercial loan details →

Refinancing

Lower your rate, shorten your term, drop mortgage insurance, or pull cash out for renovations and debt consolidation. We'll run the break-even math so you know it's actually worth it.

Program availability, down payment requirements, and terms vary by state, property type, and borrower qualifications. Not sure which fits? Ask a loan officer — it's what we do.

Meet the Team

Loan officers in Orlando, across Florida, and nationwide

Wherever you're buying, an Icon loan officer handles your loan personally — no call centers, no hand-offs.

Ryan Kennedy, Profit Center Manager

Ryan Kennedy

Profit Center Manager · Orlando DSCR & STR Specialist
NMLS# 1434300

Orlando's go-to broker for DSCR, short-term rental, and Airbnb investor financing across Central Florida — plus Conventional, FHA, VA, and Jumbo loans for every buyer.

View my page →
Sarah Bangle, Loan Officer

Sarah Bangle

Loan Officer
NMLS# 1635116

Licensed in NJ & PA — a former teacher who blends mortgage, insurance, and real estate expertise into clear, patient guidance.

View my page →
William Messenger, Loan Officer

William Messenger

Loan Officer · Investor & Foreign National Financing
NMLS# 2360569

Licensed in FL, TX & OH — an additional investor-focused loan officer for DSCR and Foreign National financing.

View my page →
Meet the Full Team
Where We Lend

Licensed in 33 states plus D.C. and Puerto Rico

Hover or tap a state to check availability. Orange means we can lend there today.

Hover or tap a state to see its status

Connecticut: mortgage broker only. No New York applications accepted. Programs and licensing vary by state.

How It Works

From application to keys in four steps

Most of our purchase loans close in 21–30 days. Here's what the process looks like.

1

Get pre-approved

Apply online in about 15 minutes. We verify your income, assets, and credit and issue a pre-approval letter — often the same day.

2

Shop with confidence

Make offers knowing exactly what you can spend. Sellers take pre-approved buyers seriously.

3

We handle underwriting

Once you're under contract, we order the appraisal and move your file through underwriting — keeping you updated at every milestone.

4

Clear to close

Review your final numbers ahead of time, sign at closing, and get your keys. No surprises on closing day.

Be Prepared

Documents vary by loan program

Having these ready can shave days off your approval. Everything uploads securely through our online application.

Traditional mortgages (Conventional, FHA, VA, USDA)

  • ✓ Government-issued photo ID
  • ✓ Last 2 years of W-2s or tax returns (1099s if self-employed)
  • ✓ Pay stubs from the last 30 days
  • ✓ Last 2 months of bank statements
  • ✓ Current mortgage statement (if refinancing)
  • ✓ VA Certificate of Eligibility (for VA loans — we can help you get this)

DSCR & investor loans

No tax returns, W-2s, or employment verification required.

  • ✓ Government-issued photo ID
  • ✓ Asset/reserve documentation (bank or investment statements)
  • ✓ Property information & purchase contract (or current mortgage statement if refinancing)
  • ✓ Hazard/landlord insurance quote
  • ✓ Lease agreement, rental history, or projected rental income (AirDNA report or 1007 for short-term rentals)
Common Questions

Mortgage FAQs

How much do I need for a down payment?

It depends on the program: VA and USDA can be 0% down, FHA starts at 3.5%, and conventional loans start at 3% for qualified buyers. 20% down avoids mortgage insurance but is not required.

What credit score do I need?

Most conventional programs look for 620+, and FHA can work with scores as low as 580. If you're below that, we can map out the fastest path to qualifying.

Does getting pre-approved hurt my credit?

A pre-approval involves one credit inquiry, which typically affects your score by only a few points. Multiple mortgage inquiries within a short shopping window are usually counted as one.

How long does closing take?

Most of our purchase loans close in 21–30 days from contract, and refinances often faster. A complete document package up front is the biggest factor in closing quickly.

What will my monthly payment be?

Try our payment calculator for an estimate including taxes, insurance, and PMI — then talk to a loan officer for exact numbers based on today's rates.

Do you offer VA loans in Orlando and Florida?

Yes. We originate VA loans for eligible veterans, active-duty service members, and surviving spouses in Orlando and throughout Florida, with 0% down and no monthly mortgage insurance.

Can I get a DSCR loan for an Airbnb or short-term rental in Florida?

Yes. DSCR loans can be qualified using a property's projected or actual short-term rental income, which makes them a common choice for investors buying Airbnb and VRBO properties near Orlando, Disney, and other Florida vacation markets. See our Orlando DSCR & short-term rental loan page for details.

Do you offer fix and flip loans in Florida?

Yes. Our fix and flip financing covers purchase plus rehab, with as little as 0% down for qualified investors, and can be refinanced into a DSCR loan once the property is stabilized as a rental.

Testimonials

What our clients say

Real reviews from Ryan Kennedy's Zillow lender profile — rated 5.0 out of 5.

★★★★★

"Ryan Kennedy is awesome"
"Ryan was always available to me answering all my questions. Very helpful!!! From start to finish Ryan was there for us. I would definitely recommend Ryan for your housing needs."

— pensterpenny, Hobe Sound, FL · via Zillow
★★★★★

"Great smooth process"
"I will definetly recommend his service to anyone. Very honest, smooth agent. Makes loan process very unstressful."

— Rafael Santiago, Apopka, FL · via Zillow
★★★★★

"Ryan is the key!"
"Ryan worked with us during the entire home buying process. He was there for every step of the way and answered all our questions. Even came to the closing to help."

— The Zocco Family, Davenport, FL · via Zillow

Reviews shown as submitted by clients on Zillow. Read all reviews on Zillow →

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