Mortgage Origination · NMLS #1784218
Home loans,
done right.
Ryan Solberg is both a licensed Florida real estate broker and a licensed mortgage loan originator — one professional who handles both sides of your transaction. FHA, VA, conventional, jumbo, and commercial loans for buyers across Central Florida.
NMLS #1784218
Ryan Solberg, MLO
NMLS #2028516
Mortgageinc
FL Licensed
State of Florida
Equal Housing
Opportunity Lender
Loan Programs
Which loan is right for you?
Not every buyer fits the same box — and the right loan program can mean tens of thousands of dollars in savings over the life of the loan. Here's a plain-English breakdown of every program available.
FHA Loans
Government-backed loans insured by the Federal Housing Administration. Down payments as low as 3.5% with a 580+ credit score. The most accessible path to homeownership for first-time buyers.
- First-time buyers
- Lower credit scores (580+)
- Limited down payment savings
Learn more →
VA Loans
Zero-down-payment loans exclusively for veterans, active-duty service members, and eligible surviving spouses. No PMI. Competitive rates. One of the most powerful financing tools available.
- Veterans & active duty
- Surviving spouses
- 0% down purchase
Learn more →
Conventional Loans
The most common loan type — not government-backed, conforming to Fannie Mae/Freddie Mac guidelines. Put down 20% to skip PMI entirely, or as little as 3% with strong credit.
- Strong credit (620+)
- Primary & investment homes
- Avoiding FHA requirements
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Jumbo Loans
Loans above the 2025 conforming limit of $806,500. Orlando luxury homes in Dr. Phillips, Windermere, and Isleworth routinely require jumbo financing — with specialized underwriting.
- Luxury home purchases
- High-net-worth buyers
- Asset-based qualification
Learn more →
Commercial Loans
Financing for office, retail, multifamily (5+ units), industrial, and mixed-use properties. Underwriting is based on property income (DSCR) and business financials — not personal W-2 income alone.
- Investors & business owners
- Multifamily (5+ units)
- SBA 7(a) & 504 eligible properties
Learn more →
Construction Loans
Two-phase financing that funds the construction draw schedule and converts to a permanent mortgage at completion. Critical for custom builds on Butler Chain lots and Windermere estate land.
- Custom home builds
- Luxury spec construction
- Lot + build packages
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Bridge Loans
Short-term financing using equity in your current home to buy before you sell. Gives you the negotiating power of a cash-equivalent offer in a competitive market.
- Move-up buyers
- Competitive offer situations
- Sellers buying before they close
Learn more →
The Process
From first call to clear to close.
Pre-Qualification Call
A 10-minute conversation about your income, assets, credit, and goals. Ryan tells you exactly which programs you qualify for and at what price point — before you spend time on listings.
Full Pre-Approval
Submit income docs, bank statements, and ID. Underwriting reviews your file and issues a conditional approval letter — the strongest signal a seller can receive from a buyer.
Lock Your Rate
Once you're under contract, lock your interest rate for 30, 45, or 60 days. Ryan advises on timing based on where rates are trending and how long your due diligence period is.
Appraisal & Underwriting
The property is appraised and the file moves through final underwriting. Ryan stays on top of conditions and keeps both sides of the transaction informed so nothing stalls.
Clear to Close
Underwriting signs off. The closing disclosure arrives — review every number. You'll wire your down payment and closing costs, sign at the title table, and get your keys.
Common Questions
Mortgage FAQ.
50 questions across pre-approval, loan types, rates, closing costs, and commercial financing — answered in plain English.
See all 50 questions →How long does mortgage pre-approval take?
Most pre-approvals are issued within 24–72 hours after all documents are submitted. Rush approvals are available for buyers in active contract negotiations.
What credit score do I need to buy a home in Florida?
FHA loans require a minimum 580 score for 3.5% down (500–579 with 10% down). Conventional loans typically want 620+. Jumbo loans generally require 700+. The higher your score, the better your rate.
Can I get a mortgage if I'm self-employed?
Yes — self-employed buyers typically need two years of tax returns (personal and business), a year-to-date P&L, and two months of bank statements. Portfolio lenders offer 12-month bank statement programs for strong earners with variable income.
What is PMI and how do I avoid it?
Private mortgage insurance protects the lender when you put less than 20% down on a conventional loan. Avoid it by putting 20%+ down, or by using an 80/10/10 piggyback structure (80% first mortgage, 10% second, 10% down).
How much are closing costs in Florida?
Buyers in Florida typically pay 2–3% of the purchase price in closing costs — lender fees, title insurance, appraisal, prepaid taxes and insurance, and recording fees. On a $600K purchase that's $12,000–$18,000.
Ready to move
Let’s get you pre-qualified.
A 10-minute call is all it takes to know exactly where you stand — which programs you qualify for, what your rate looks like today, and how much house you can buy. No cost, no commitment.
Ryan Solberg · MLO NMLS #1784218 · Mortgageinc NMLS #2028516 · Licensed in Florida