Conventional Loans
A familiar path to homeownership for buyers with solid credit, with down payments as low as 3% and mortgage insurance that can go away as your equity grows.
Ask if this fitsCentral Florida mortgage guidance
A home isn't a transaction. It's where your life happens.
We help Central Florida families find the right way home — with real guidance, honest numbers, and a lender who actually picks up the phone.
A thoughtful first step, with no obligation.
Guidance for the place you're going.
Local & IndependentReal advice, not a call center
50+ Loan ProgramsOptions most big banks don’t offer
Fast, Real AnswersPre-approvals without the runaround
Licensed & TransparentNMLS #2598697 · Company #2869962
Ways we help you get home
There's more than one right way to get there.
Every person, family, and next chapter is different. We'll help you understand your options and choose the path that makes sense for your life.
FHA Loans
A flexible option for first-time buyers with lower credit and down payment requirements — as low as 3.5% down.
Ask if this fitsVA Loans
For eligible veterans, active-duty service members, and spouses: 0% down and no monthly mortgage insurance.
Ask if this fitsUSDA Loans
0% down financing for eligible suburban and rural areas — more of Central Florida qualifies than most people realize.
Ask if this fitsJumbo Loans
Financing thoughtfully structured for higher-value homes above conventional loan limits.
Ask if this fitsRenovation & Construction
Bring a fixer-upper to life or build new with financing designed to make the process feel manageable.
Ask if this fitsSelf-Employed & Investor
Bank-statement, DSCR, and asset-based options for income that does not fit a standard W-2 box.
Ask if this fitsHome Equity Line of Credit
Put the equity you have built to work for renovations, consolidation, or major expenses without touching your first mortgage.
Ask if this fitsRefinancing
Explore ways to change your term, lower your payment, or put your equity to work when the timing is right.
Ask if this fitsDown Payment Assistance
Florida Hometown Heroes and other programs may help eligible buyers with down payment and closing costs.
Ask if this fitsFree Credit Review
A no-impact review and personalized plan to help you become mortgage-ready, without the pressure.
Ask if this fitsThe process
From “where do we start?” to “welcome home.”
01
A Real Conversation
We talk through your goals, not just your credit score.
02
Clear Options, No Pressure
You get a side-by-side breakdown of what actually fits, in plain English.
03
We Handle the Heavy Lifting
Paperwork, underwriting, and lender coordination, managed for you start to finish.
04
Keys in Hand
We walk you all the way to closing day, and we’re still here after.
A steady hand in a big decision
Mortgage guidance that feels a little more human.
Summit Mortgage is an independent brokerage built around one simple idea: you deserve a guide who knows the neighborhood, explains the fine print, and stays close when it matters.
JM
“[PLACEHOLDER — swap in real client quotes before launch] Max made every question feel like a good question. We always knew what was happening next.”
AR
“[PLACEHOLDER — swap in real client quotes before launch] We went from unsure where to begin to holding keys. The whole process felt personal.”
TS
“[PLACEHOLDER — swap in real client quotes before launch] Clear, patient, and genuinely in our corner. We felt guided, never pushed.”
For our realtor partners
A referral partner you can trust.
Working with a realtor? Let's make your clients' financing the easiest part of the deal.
Start a Partner Conversation →Your next chapter starts here
Ready to see what's possible?
Tell us a little about where you are. We'll meet you there, answer the questions, and help you find a clear next step.
Proudly local to Central Florida
Home guidance across three counties.
Summit Mortgage serves buyers, homeowners, and investors throughout Orange, Lake, and Polk Counties, Florida — including these cities and communities.
Orange County, Florida
Apopka · Bay Lake · Belle Isle · Eatonville · Edgewood · Lake Buena Vista · Maitland · Oakland · Ocoee · Orlando · Windermere · Winter Garden · Winter Park
Lake County, Florida
Astatula · Clermont · Eustis · Fruitland Park · Groveland · Howey-in-the-Hills · Lady Lake · Leesburg · Mascotte · Minneola · Montverde · Mount Dora · Tavares · Umatilla
Polk County, Florida
Auburndale · Bartow · Davenport · Dundee · Eagle Lake · Fort Meade · Frostproof · Haines City · Highland Park · Hillcrest Heights · Lake Alfred · Lake Hamilton · Lakeland · Lake Wales · Mulberry · Polk City · Winter Haven
Questions, answered plainly
A clearer start to your home story.
Here are a few of the questions Central Florida homebuyers ask first. If yours is not here, Max is happy to talk it through.
What areas does Summit Mortgage serve?
Summit Mortgage serves Central Florida, including Winter Garden, Clermont, and surrounding communities. Contact us if you are unsure whether your home or investment property is in our service area.
Which home loan programs are available?
Options may include conventional, FHA, VA, USDA, jumbo, renovation, construction, self-employed, investor, HELOC, refinance, and down payment assistance programs. The right fit depends on your goals and qualification.
Can I talk with someone before applying?
Yes. Start with a free consultation or call (407) 490-2713. You can ask questions and understand possible paths before deciding on next steps.
Does a free credit review affect my credit score?
The initial review is designed as a no-impact, soft credit review. Max will explain what is needed and what any later credit inquiry means before moving forward.