Orange Park, Clay County

Orange Park Mortgage Broker

Your licensed Orange Park Mortgage Broker for FHA, Conventional, VA & Down Payment Assistance home loans. As a trusted mortgage broker serving Orange Park and all of Clay County, we close loans in 14–21 days with honest rates and no surprises.

$330,000

Median Home Price

8,412

Population

32073

Primary ZIP

Call Now

Get Pre-Approved in Orange Park

5 minutes · No cost · Soft credit pull only

I consent to receive SMS from HomeMTG.loans. Reply STOP to opt out. Msg & data rates may apply. (Optional)

NMLS# 1859012 · Equal Housing Lender

Home Loans in Orange Park

Orange Park Home Loan Programs

Mortgage Capital is your local Orange Park Mortgage Broker. Orange Park — Established suburb in Clay County— has its own price points and buyer profile, and we match each loan to it instead of running every client through the same box.

Whether you are purchasing your first home in Orange Parkor refinancing an existing mortgage, our team provides personalized guidance from application to closing. Furthermore, as a mortgage broker — not a bank — we shop dozens of lenders to find you the most competitive Orange Park mortgage rates available in 2026.

Orange Park's median price of around $330,000 puts it in the heart of Clay County's first-time and move-up buyer range. Buyers here split fairly evenly between FHA and conventional financing, and many qualify for Florida down payment assistance. We shop both routes side by side so Orange Park clients see the real monthly difference before committing.

Available Loan Programs in Orange Park

✓FHA loans — 3.5% down with flexible credit

✓Conventional loans from 3% down

✓VA loans — $0 down for veterans

✓Down Payment Assistance — Hometown Heroes & FL Housing

✓First-time buyer programs

✓Refinance — rate/term & cash-out

Prices in Orange Parkstill vary by neighborhood and property type, so the right loan program and down payment strategy depend on your specific target range. Ready to see real numbers? We'll pull current Orange Parkrates for your price point and program at no cost — start with a five-minute application or call (561) 300-0380.

Orange Park Market Data — 2026

CityOrange Park

CountyClay County

ZIP Code32073

Median Price$330,000

Population8,412

Avg Close Time14–21 Days

Broker NMLS#1859012

How It Works in Orange Park

Apply Online

5 min · soft credit pull only

Rate Lock

We shop lenders for your best rate

Processing

Our team handles paperwork

In Orange Park — typically 14–21 days

FAQ

Orange Park Mortgage Questions

How do I find a mortgage broker in Orange Park, FL?

Mortgage Capital is a licensed Orange Park Mortgage Broker (NMLS# 1859012). However, choosing the right broker matters because not all lenders offer the same programs or service. Because we are locally based in South Florida, we know the Orange Park market and the specific programs available to Orange Park buyers. Call us at (561) 300-0380 or apply online for a free consultation.

What is the minimum down payment for a home in Orange Park?

For a $330,000 home in Orange Park, a 3% conventional down payment runs roughly the low five figures, while FHA's 3.5% is comparable with easier credit requirements. VA loans offer $0 down for veterans, and Hometown Heroes can contribute up to $35,000 toward your down payment and closing costs — a major help in the Orange Park price range.

How long does it take to close on a home in Orange Park?

Most Orange Park home loans close in 14–21 days with Mortgage Capital. Furthermore, our pre-approval process typically takes less than 24 hours. However, timelines can vary based on loan type, property condition, and seller cooperation. As a result, having a fully underwritten pre-approval letter from day one is the best way to strengthen your offer and accelerate the Orange Park closing process.

Also Serving Clay County

Nearby Cities We Serve

Green Cove Springs

$340,000

Mortgage Broker →

Explore Loan Programs

Clay County Mortgage Broker FHA Loans Florida Down Payment Assistance All Florida Loan Programs Apply for Pre-Approval

Ready to Buy in Orange Park?

Your local Orange Park Mortgage Broker— 5-minute pre-approval, honest rates, fast closing.

(561) 300-0380

Rates are illustrative only. APR and payments vary by credit score, loan amount, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.