FHA Loans
Low down payment and flexible credit guidelines. A strong option for first-time buyers in Central Florida.
FHA loans
Orlando, Florida · Mortgage Loan Originator
Orlando mortgage loans, structured right from day one.
I'm Stephanie Castellon, a mortgage loan originator with Mpire Financial. I combine six years of lending experience with a background in forensic investigation, so I can find the problems in your file early and structure your loan to get through underwriting to closing.
- 5.0Zillow rating
- 6+ yrsIn mortgage lending
- 100+Loan products
- 33States served
Loan Programs
Financing for first homes, investment properties and international buyers
Through Mpire Financial, I have access to more than 100 loan products for every kind of financial situation. These four are my specialties, and I know their guidelines inside and out.
Conventional Loans
Competitive terms for primary homes, second homes and rentals. Mortgage insurance can be removed as you build equity.
Conventional loansForeign National Loans
Buy a Florida home or investment property without a U.S. credit history or Social Security number.
Foreign national loansDSCR Investor Loans
Qualify on the property's rental income instead of your personal tax returns. Built for real estate investors.
DSCR loans
Beyond My Specialties
100+ loan products for every financial situation
Self-employed, buying your dream home, building, investing or refinancing? Mpire Financial works with a wide range of lenders, so there's likely a program that fits, even if your situation isn't "typical."
Find My Best Option- VA Loans
- USDA Loans
- Jumbo Loans
- First-Time Buyer Programs
- Down Payment Assistance
- Bank Statement Loans
- 1099 & P&L Loans
- ITIN Loans
- Asset-Based Loans
- Non-QM Loans
- Rate & Term Refinance
- Cash-Out Refinance
- HELOCs & Second Mortgages
- Fix & Flip Loans
- Construction Loans
- Commercial Loans
My Approach
An investigator's eye on every loan
Before I got into mortgages, I worked in forensic investigation. I still work that way. I go through your whole financial picture (income, assets, credit and the property itself) before your file reaches an underwriter.
My goal isn't just to get you approved. It's to structure your loan the right way so it moves smoothly through underwriting and makes it to closing and funding.
- I find potential problems early, not the week before closing
- I structure your loan to match underwriting guidelines from the start
- I explain each step clearly and I'm easy to reach by call or text
- I work closely with your real estate agent, title company and lender
How It Works
From first call to closing table
Free consultation
We talk about your goals, your timeline and the numbers, with no pressure and no obligation.
Pre-approval
Apply securely online. I review your full file up front so your pre-approval holds up when you make an offer.
Structure & underwriting
I match your loan to the right program and investor, then guide your file through underwriting.
Close & fund
Clear to close. You sign, the loan funds and you get your keys.
Client Reviews
5.0 stars from 18 reviews on Zillow
First-time buyers, veterans and families across Florida. Here are a few of their review headlines.
“Outstanding Experience!”
Alyssa L. · Saint Petersburg, FL
“First time homebuyer”
Dominic T. · Orlando, FL
“Amazing!!”
Breanna · Ocklawaha, FL
“Dedicated and very knowledgeable!”
Jennifer W. · Saint Cloud, FL
“Fast, hard working, Fabulous.”
Judy K. · Kissimmee, FL
“Home buying experience”
Lucas S. · Kissimmee, FL
Mortgage Calculator
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For illustration only. The default values are hypothetical examples, not a rate quote, loan offer or commitment to lend. Your actual rate, APR, payment and mortgage insurance depend on credit, loan program, property and market conditions. Contact me for a personalized Loan Estimate.
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Common Questions
Quick answers
Where do you lend?
I'm based in downtown Orlando and can originate loans in 33 states. My home market is Central Florida, including Orlando, Kissimmee, St. Cloud, Winter Park, Lake Nona, Clermont and Sanford. See all 33 states I serve.
Do you only offer FHA, conventional, foreign national and DSCR loans?
No. Those are my specialties, but through Mpire Financial I have access to more than 100 loan products, including VA, USDA, jumbo, bank statement, non-QM, refinance, construction and commercial loans. If you have a unique situation, there's likely a program that fits.
Can I buy a home in Florida without U.S. credit?
Yes. Foreign national loan programs are designed for buyers who don't live in the U.S. and don't have a U.S. credit history or Social Security number. See how foreign national loans work.
How long does pre-approval take?
It mostly depends on how quickly your documents come in. Once I have a complete file (application, income documents, asset statements and credit authorization), I turn pre-approvals around quickly. A complete file up front also makes your pre-approval stronger when you make an offer.
Let's Get Started
Ready to find out what you qualify for?
Apply online in minutes or schedule a free consultation. I'll walk you through your options and give you a clear plan.