From resort-style golf communities to historic oak-lined streets, Kissimmee offers more bang for your mortgage buck than almost anywhere in Central Florida.

• Celebration: Built by Disney, this master-planned village has median prices around $520k, but condos start at $290k and qualify for 3 % down conventional. Top-rated Celebration K–8 feeds into highly ranked high schools—strong for resale.
• Poinciana: Spanning both Osceola and Polk counties, Poinciana’s 34758 ZIP code still shows detached homes under $280k. USDA 100 % financing is eligible east of Marigold Avenue, saving buyers the 3.5 % down payment.
• Downtown Kissimmee & Lakefront Park: Bungalows built in the 1920s are being snapped up by investors and first-time buyers. Rehab loans like FHA 203(k) streamline up to $35k into your mortgage—perfect for those charming but aging clapboard houses.
• Storey Lake, Margaritaville, and Compass Bay: Short-term rental townhomes. If you plan to rent on Airbnb, NMHL’s DSCR loan qualifies you on property cash flow, not personal income—ideal for self-employed hosts.

Property tax bills here run about 25 % lower than comparable homes in Orange County because Osceola hasn’t added the extra surcharges for sports stadiums, making your monthly payment lighter even on a larger loan amount.

Owning in the 407 is closer than you think, thanks to layered assistance that can cover your entire cash-to-close.

Florida HFA Preferred Conventional: 3 % down, reduced PMI, and a 0.25 % rate discount when combined with the state’s $7,500 down-payment assistance. Credit score minimum is 640, but NMHL can run your application through our credit-re-score simulator if you’re at 630.

Kissimmee / Osceola HOME Program: Up to $80,000 forgivable second mortgage for households earning ≤80 % area median income (about $65k for a family of four). Must buy within city limits—think 34741 or 34744 ZIP codes—and attend a free 4-hour Zoom homebuyer class hosted by the city every Thursday.

Florida Assist Second Mortgage: $10,000 at 0 % interest, deferred until you sell, refinance, or pay off the first mortgage. Layer it with FHA 3.5 % down and seller concessions up to 6 %, and many buyers walk to closing with less than $1,000 out of pocket.

Good Neighbor Next Door: HUD’s 50 % off program for teachers, firefighters, and EMTs. Kissimmee keeps a rotating inventory of single-family HUD homes near Columbia Avenue and Michigan Avenue; NMHL can pair this with our $1,000 out-of-pocket grant to cover appraisal and inspection.

Central Florida’s gig economy is huge—45 % of our Kissimmee borrowers report self-employment income from theme-park services, ride-share, or vacation-rental management. Traditional banks often decline these files, but NMHL specializes in them.

• Bank-Statement Program: Qualify with 12 months of business or personal bank statements; no tax returns required. Loan amounts to $1.25 million with 10 % down and 700 FICO, or 20 % down at 640.
• 1099 Only: Perfect for Disney-contracted entertainers. Use your 1099s and a profit-and-loss statement; we average the income and close in 20 days.
• Second-Chance FHA: Credit scores down to 550, 12 months after Chapter 13 plan commencement or 24 months after a Chapter 7 discharge. Gift funds allowed for the entire 3.5 % down payment.
• Portfolio Loans: Keep the loan in-house—no rigid Fannie rules. Recent credit-event okay if housing ratio under 40 % and you bring 5 % of your own funds.

NMHL’s free Kissimmee Credit Refresh program partners with local non-profits to remove paid collections and late-rent tradelines, often boosting scores 30–60 points in 45 days—enough to drop your rate by 0.375 %.

With a 65-mile drive to Patrick Space Force Base, 25 miles to Orlando Naval Support, and thousands of veterans employed at Disney, Kissimmee sees heavy VA loan traffic—and NMHL has the volume to negotiate lower pricing.

Zero Down, No PMI: On a $340k purchase you save $235 per month compared with FHA. Plus, our lender credits for 740+ credit scores can cover the 1 % origination fee.

VA Funding Fee Exemption: Veterans with 10 % or greater service-connected disability (purple-heart license plates are common in Osceola County) pay no funding fee—saving $7,480 on that same loan.

VA Jumbo: County loan limit is $766,550, but you can borrow up to $1.5 million with 25 % guaranty on the excess. Lake Nona adjacent homes in 34744 frequently hit $700–800k, so this matters.

Interest Rate Reduction Refinance Loan (IRRRL): Already own? NMHL offers streamline refis with no appraisal or income docs, closing in 10 days. Rates are running a full point below conventional, so lowering from 6.5 % to 5.5 % on a $350k balance saves $220 monthly.

We also waive the $1,195 underwriting fee for any active-duty or reserve borrower stationed at MacDill or Patrick who closes in Kissimmee during 2024.

Despite rising prices, Kissimmee buyers can cobble together enough assistance to eliminate out-of-pocket down payments entirely.

Florida Hardest Hit Fund Revival: $25,000 forgivable over five years for buyers in select census tracts near 34741. Combine with FHA 203(h) for disaster-affected families (Hurricane Ian remnants) and your required investment is literally $500.

Community Seconds: Local builders like Dream Finders and Lennar are offering 3 %–5 % silent seconds on new construction in Storey Lake. NMHL is an approved first-mortgage lender, so we can pair these with conventional 97 % products.

NeighborWorks Orlando Down-Payment Aid: Though headquartered in Orlando, they cover Osceola County. Income must be ≤60 % AMI; grant is $14,999 and does not require repayment if you occupy the home 10 years. We handle the stacking paperwork for you.

NHF (Neighborhood Assistance Corporation of America) Match: NACA is opening a Kissimmee office at 1101 N. John Young Pkwy. They provide $10,000 grants for members who complete five volunteer hours; NMHL closes these loans in 32 days on average.

Don’t forget seller concessions—Kissimmee’s market is softening slightly amid higher rates, so we’re seeing 2 %–3 % of price back toward closing costs on contracts written after school starts in August.

The difference between winning and losing a Kissimmee house right now is a fully underwritten pre-approval, not just a quick pre-qual letter. NMHL issues same-day DU findings for conventional and FHA, and we’ll match you against every city, county, and state program before you shop.

1. Upload the last 30 days of pay stubs or 12 months of bank statements via our secure portal.
2. Pull your own credit at no charge; we accept third-party reports and won’t re-pull until you’re ready to lock.
3. Receive your Kissimmee Price Range & Payment Matrix showing three scenarios—zero-down VA, 3 % conventional, and 3.5 % FHA—complete with taxes, insurance, HOA, and estimated down-payment assistance.
4. Shop with confidence: our pre-approval is valid 120 days and can be refreshed with a simple asset update.

Join the 1,300 Kissimmee families we helped close last year. Click Apply Now or call our local branch at 407-583-5626 to speak with a bilingual loan officer who knows the difference between Poinciana Villages and Celebration’s East Village—and can get your offer accepted this weekend.