[{"data":1,"prerenderedAt":196},["ShallowReactive",2],{"navigation":3,"index":26,"mdc-dz6dtn-key":156,"mdc-guj6e3-key":169,"mdc--o5yz7i-key":178,"mdc-i2i2kw-key":187},[4],{"title":5,"path":6,"stem":7,"children":8,"page":25},"News","/news","news",[9,13,17,21],{"title":10,"path":11,"stem":12},"Building Home Equity - Your Path to Long-Term Wealth","/news/building-home-equity","news/building-home-equity",{"title":14,"path":15,"stem":16},"From Pre-Approval to Closing: Your Complete First-Time Homebuyer Journey","/news/first-time-homebuyer-journey","news/first-time-homebuyer-journey",{"title":18,"path":19,"stem":20},"Orlando Real Estate Market Trends - What Buyers Need to Know in 2025","/news/orlando-real-estate-market-trends","news/orlando-real-estate-market-trends",{"title":22,"path":23,"stem":24},"Understanding Mortgage Rates and Points - What Really Matters","/news/understanding-mortgage-rates-and-points","news/understanding-mortgage-rates-and-points",false,{"id":27,"title":28,"about":29,"body":32,"description":33,"experience":34,"extension":55,"faq":56,"hero":114,"meta":134,"navigation":135,"news":136,"path":139,"seo":140,"stem":143,"testimonials":144,"__hash__":155},"index/index.yml","Your Trusted Orlando Mortgage Partner",{"title":30,"description":31},"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.\nOur 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.\n",null,"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.",{"title":35,"items":36},"Our Partners",[37,44,49],{"position":38,"date":39,"company":40},"Lender","2023 - Present",{"name":41,"url":42,"color":43},"United Wholesale Mortgage","https://www.uwm.com/","#008D72",{"position":38,"date":39,"company":45},{"name":46,"url":47,"color":48},"AD Mortgage","https://admortgage.com","#D71E28",{"position":50,"date":39,"company":51},"Title Company",{"name":52,"url":53,"color":54},"Florida TitlePros","https://www.myfloridatitlepros.com","#117ACA","yml",{"title":57,"description":58,"categories":59},"Frequently Asked Questions","Answers to common questions about mortgages and our services.",[60,75,90,102],{"title":61,"questions":62},"Getting Started",[63,66,69,72],{"label":64,"content":65},"What mortgage services does Garden Oak Capital offer?","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.\n",{"label":67,"content":68},"What areas do you serve?","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.\n",{"label":70,"content":71},"How is working with a mortgage broker different from going directly to a bank?","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.\n",{"label":73,"content":74},"How do I get started?","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.\n",{"title":76,"questions":77},"The Mortgage Process",[78,81,84,87],{"label":79,"content":80},"How long does the mortgage process take?","Typically, the mortgage process from application to closing takes 30-45 days. However, this can vary based on the loan type, property appraisal timelines, and how quickly documentation is provided. We work diligently to keep your timeline on track and communicate with you throughout every step.\n",{"label":82,"content":83},"What documents will I need?","Common documents include recent pay stubs (last 2 months), W-2s or tax returns (last 2 years), bank statements (last 2 months), photo ID, and documentation of any additional income or assets. We'll provide you with a detailed checklist specific to your loan type and situation.\n",{"label":85,"content":86},"What credit score do I need?","Credit requirements vary by loan type. FHA loans can accept scores as low as 580 (or 500 with larger down payments), while conventional loans typically require 620 or higher. Better credit scores generally qualify for better rates. We work with your specific credit situation to find suitable programs.\n",{"label":88,"content":89},"How much do I need for a down payment?","Down payment requirements vary by loan program. Some options include: FHA loans (as low as 3.5%), conventional loans (as low as 3% for first-time buyers, typically 5-20%), VA loans (0% for eligible veterans), and USDA loans (0% for eligible rural properties). We'll help you understand your options.\n",{"title":91,"questions":92},"Costs & Fees",[93,96,99],{"label":94,"content":95},"How much does Garden Oak Capital charge?","Our broker fees are competitive and transparent. In many cases, our compensation comes from the lender, meaning minimal to no direct cost to you. We'll provide a clear Loan Estimate detailing all costs, including our fees, before you commit to anything. There are no hidden charges.\n",{"label":97,"content":98},"What are closing costs?","Closing costs typically range from 2-5% of the loan amount and include items like appraisal fees, title insurance, escrow fees, credit report fees, and prepaid items (property taxes, homeowners insurance, HOA fees). We'll provide a detailed breakdown early in the process so there are no surprises.\n",{"label":100,"content":101},"Can closing costs be rolled into the loan?","In some cases, yes. With refinances, you can often roll closing costs into the new loan amount. For purchases, you might negotiate seller concessions to cover some costs, or explore lender credits. We'll discuss all options to minimize your out-of-pocket expenses.\n",{"title":103,"questions":104},"About Working With Us",[105,108,111],{"label":106,"content":107},"Why should I choose Garden Oak Capital?","We combine local Orlando market expertise with access to a wide network of lenders, ensuring you get competitive rates and personalized service. Our team is committed to transparency, communication, and making the mortgage process as smooth as possible. We're here to educate and advocate for you every step of the way.\n",{"label":109,"content":110},"Do you help first-time homebuyers?","Absolutely! We love working with first-time homebuyers and specialize in programs designed for them. We'll explain everything clearly, help you understand your options, and guide you through the entire process with patience and expertise. Many of our clients are first-time buyers in the Orlando area.\n",{"label":112,"content":113},"Can you help with refinancing?","Yes! We handle both rate-and-term refinances (to lower your rate or change your loan term) and cash-out refinances (to access your home equity). Whether you want to reduce monthly payments, shorten your loan term, or fund home improvements, we'll analyze your situation and present your best options.\n",{"links":115,"images":124},[116,120],{"label":117,"to":118,"color":119},"Get Pre-Qualified","/contact","primary",{"label":121,"to":122,"color":123},"Calculate Payment","#calculator","neutral",[125,128,131],{"src":126,"alt":127},"/hero/customer-social-1.jpg","Happy Garden Oak Capital client",{"src":129,"alt":130},"/hero/customer-social-2.jpg","Garden Oak Capital client celebration",{"src":132,"alt":133},"/hero/customer-social-3.jpg","Satisfied homeowners",{},true,{"title":137,"description":138},"Latest News & Insights","Stay informed with mortgage market updates and homebuying tips from our team","/",{"title":141,"description":142},"Garden Oak Capital - Orlando Mortgage Broker","Garden Oak Capital is a trusted mortgage broker based in Orlando, Florida. We specialize in helping homebuyers and homeowners find the best mortgage solutions tailored to their unique financial goals.","index",[145,150],{"quote":146,"author":147},"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.",{"name":148,"description":149},"Ricardo M.","FHA First-Time Homebuyer, Ocala, FL",{"quote":151,"author":152},"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.",{"name":153,"description":154},"Veronica D.","Conventional First-Time Homebuyer, Orlando, FL","7qO1zzosjsr9HZ7UXpQcEsWvYYoLYppu8vp-n_EZBos",{"data":157,"body":158},{},{"type":159,"children":160},"root",[161],{"type":162,"tag":163,"props":164,"children":165},"element","p",{},[166],{"type":167,"value":168},"text","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.",{"data":170,"body":171},{},{"type":159,"children":172},[173],{"type":162,"tag":163,"props":174,"children":175},{},[176],{"type":167,"value":177},"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.",{"data":179,"body":180},{},{"type":159,"children":181},[182],{"type":162,"tag":163,"props":183,"children":184},{},[185],{"type":167,"value":186},"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.",{"data":188,"body":189},{},{"type":159,"children":190},[191],{"type":162,"tag":163,"props":192,"children":193},{},[194],{"type":167,"value":195},"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.",1770811804507]