Garden Oak Capital
Your Trusted Orlando Mortgage Partner
At Garden Oak Capital, we connect you with the right mortgage solutions for your dream home. Based in Orlando, Florida, we bring expertise, transparency, and personalized service to every client.
Get Pre-Qualified
Available for new projects
About Garden Oak Capital
Garden Oak Capital is an Orlando-based mortgage brokerage dedicated to simplifying the home financing process. With years of experience in the Central Florida market, we work with multiple lenders to find competitive rates and loan programs that match your unique financial situation.
Our approach combines local market expertise with personalized service, guiding you through every step from pre-qualification to closing. Whether you're a first-time buyer, refinancing, or investing in property, we're committed to making your mortgage experience smooth and transparent.
Our Partners
Buying a home with the help of Garden Oak was incredibly smooth from start to finish. There was clear communication and no surprises along the way. Every process was very organized and stress free, which made the whole experience enjoyable.
Ricardo M.
FHA First-Time Homebuyer, Ocala, FL
I can’t recommend Carlos Campozano enough. He took the time to understand my situation, walked me through every option, and always answered my questions quickly. The process was smooth from start to finish, and I felt confident every step of the way. Professional, patient, and truly had my best interest in mind. If you’re buying or refinancing, you’ll be in great hands.
Veronica D.
Conventional First-Time Homebuyer, Orlando, FL
Frequently Asked Questions
Answers to common questions about mortgages and our services.
We offer a comprehensive range of mortgage services including home purchase loans (conventional, FHA, VA, USDA), refinancing (rate & term, cash-out), jumbo loans, investment property financing, and first-time homebuyer programs. As a broker, we work with multiple lenders to find you the best rates and terms available.
While we're based in Orlando, Florida, Garden Oak Capital serves clients throughout Central Florida including Orange County, Seminole County, Osceola County, Lake County, and surrounding areas. We're familiar with the local market and can help with properties across the region.
As a mortgage broker, we work for you, not the lender. We have access to multiple lenders and loan programs, allowing us to compare rates and terms to find the best fit for your situation. This often results in better rates, more options, and a more personalized experience than going directly to a single bank.
Getting started is easy! Contact us for a free consultation where we'll discuss your financial goals, review your situation, and explain your options. We can provide a pre-qualification estimate quickly, and once you're ready, we'll guide you through the full pre-approval and application process.