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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
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Get Pre-Approved in Orange Park
5 minutes · No cost · Soft credit pull only
NMLS# 1859012 · Equal Housing Lender
Home Loans in Orange Park

Home Loans From Your Orange Park Mortgage Broker

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 buying your first home in Orange Park or refinancing one you already own, our team guides you from application to closing. As a broker rather than a bank, we shop dozens of lenders to find you a competitive Orange Park mortgage rate for 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.

Orange Park is an established Jacksonville suburb where conventional and FHA loans cover its family neighborhoods.

Available Mortgage 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. 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 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
01
Apply Online
5 min · soft credit pull only
02
Rate Lock
We shop lenders for your best rate
03
Processing
Our team handles paperwork
04
Close
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). Choosing the right broker matters, since not every lender offers the same programs or service. We are based in South Florida, so we know the Orange Park market and the programs that fit 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?

On a $330,000 Orange Park home, a 3% conventional down payment lands roughly in the low five figures. FHA's 3.5% is close, with more flexible credit requirements. VA loans offer $0 down for veterans. Hometown Heroes can also add 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, and our pre-approval usually takes under 24 hours. Timelines still shift with loan type, property condition, and how fast the seller moves. Walking in with a fully underwritten pre-approval letter is the best way to strengthen your offer and keep the Orange Park closing on track.

Also Serving Clay County

Nearby Cities We Serve

Green Cove Springs
$340,000
Mortgage Broker →
Explore Loan Programs
Florida Mortgage LocationsFHA Loans FloridaDown Payment AssistanceAll Florida Loan ProgramsApply 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.