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Central Florida Mortgage Advisor

Guiding Central Florida
Families Home.

Combat veteran. Bilingual. 168+ five-star reviews. Anthony Alzate delivers honest mortgage guidance and fast closings — from your first call to closing day.

🌎 Hablo Español  ·  I Speak Spanish
Get Pre-Approved Today → 📞 407.373.8073
200+ Loans Closed
168+ 5-Star Reviews
4 Yrs Top Producer
3 Wks Avg. Close
Anthony Alzate — Mortgage Advisor, Winter Garden Florida, NMLS 2021422
Horizon Home Loans Seal
NMLS# 2021422  ·  Equal Housing Lender
Combat Veteran · 82nd Airborne
VA Loan Specialist
English & Spanish
NMLS# 2021422
Equal Housing Lender
"HE is your guy!" — Cecile Chatman, First-Time Homebuyer ⭐⭐⭐⭐⭐
168+ Five-Star Google Reviews · Combat Veteran · Bilingual EN/ES · NMLS# 2021422
📞 407.373.8073
🏠
Free · No Obligation · Monthly

Know Your Home's Value

Get a free monthly report showing your home's current value, equity position, and local market trends — delivered to your inbox. If you own a home, this is for you.

Get My Free Report →
Takes 60 seconds
Anthony Alzate — Mortgage Advisor and Combat Veteran, Horizon Home Loans, Winter Garden Florida
200+
Loans
Closed
About Anthony Alzate

More Than a Mortgage Broker. A Trusted Partner.

Anthony Alzate is a licensed Mortgage Advisor and proud combat veteran based in Winter Garden, Florida — bringing the discipline, integrity, and commitment he developed in the 82nd Airborne Division to every loan he originates.

Having helped 200+ Central Florida families close on their homes across Orlando, Windermere, Lake Mary, and beyond, Anthony has built a reputation on one thing: doing right by his clients every single time.

Fluent in both English and Spanish, Anthony serves first-time buyers in Sanford and Kissimmee, veterans using VA loans, luxury buyers in Dr. Phillips and Winter Park, and everyone in between — always with the same promise: no surprises, no jargon, just results.

#1
Ranked Producer
168+
5-Star Reviews
200+
Families Helped
🏛️ Licensed Mortgage Advisor — NMLS# 2021422
🎖️ U.S. Combat Veteran — 82nd Airborne Division
🌎 Bilingual — English & Spanish / Hablo Español
🎓 Agent Educator — Free CE & Training Classes
🏆 Chairman's Club 2023 · President's Club 2024 · 200+ Families Helped
⚡ Powered by Aspire Mortgage Advisors
Work With Anthony 407.373.8073
Licensed & Growing

Serving Homebuyers Across America

We guide you home — licensed in 26 states and expanding. Your goals are our mission, no matter where you are.

26
States Licensed
200+
Families Helped
168+
5-Star Reviews
Licensed — 26 States
AL AR AZ CA CO FL GA ID IL ME MD MI MN NH NC ND OH OK OR PA RI SC TN TX WA WI
AlabamaMaryland ArizonaMichigan ArkansasMinnesota CaliforniaNew Hampshire ColoradoNorth Carolina FloridaNorth Dakota GeorgiaOhio IdahoOklahoma IllinoisOregon MainePennsylvania Rhode IslandSouth Carolina TennesseeTexas WashingtonWisconsin
More States. More Opportunities.

Don't see your state?

We're actively expanding. Reach out and we'll let you know as soon as we're licensed in your area — or connect you with a trusted partner in the meantime.

Contact Anthony →
Your Goals. Our Mission.

Whether you're buying your first home in Florida or refinancing in Texas — Anthony delivers the same honest guidance, fast closings, and personal service coast to coast.

NMLS# 2021422 · Licensed in 26 states · Horizon Home Loans is a brand of Aspire Mortgage Advisors, LLC · Company NMLS# 2617555 · Equal Housing Lender. This is not a commitment to lend. All loans subject to credit and property approval.

Why Choose Horizon

Why Central Florida Homebuyers Choose Horizon Home Loans

We shop multiple wholesale lenders to find the right loan for your goals — not a one-size-fits-all approach.

📍

Local Guidance

A Central Florida advisor who knows our communities, our market, and is here when you need us.

🎖️

Combat Veteran Owned

Discipline and integrity from the 82nd Airborne — applied to every client relationship.

🌎

English & Spanish

Bilingual service for a smooth, confident experience in the language you're most comfortable in.

⚡

Fast Closings

Average 3 weeks or less — so your clients can move forward faster than the competition.

🎯

Personalized Strategy

Every client gets a loan plan built around their goals, budget, and long-term financial success.

🔍

We Shop the Market

As brokers, we access multiple wholesale lenders to find pricing that banks and direct lenders can't.

⭐

168+ 5-Star Reviews

Real clients. Real results. Let our reviews do the talking — 168 five-star Google reviews and counting.

🤝

No Surprises

Honest answers and proactive updates at every step. You'll always know exactly where your loan stands.

Anthony Alzate — Trusted Mortgage Advisor for Central Florida Realtors
For Real Estate Agents

Your Clients Deserve a Lender Who Shows Up.

Anthony brings more than mortgage expertise — he brings reliability, clear communication, and a genuine commitment to protecting your deals and your reputation.

✓
Same-day pre-approvals — so your buyers can make competitive offers fast.
✓
3-week average close time — your listings close on time, every time.
✓
Proactive file updates — you always know exactly where the loan stands.
✓
Co-marketing support — newsletters, social content, and open house support.
✓
Free agent education classes at your office — 12 topics available.
✓
Bilingual service — English & Spanish for a wider buyer pool.

Free Agent Classes Available:

ChatGPT & AI for Real Estate
Get Found in AI Search
Seller Seminars!
Open House Mastery
Mastering Database Marketing
Instagram Reels: Hooks & Scripts
The Cost of Waiting to Buy
2026: The Great Housing Reset
Leveraging Seller Concessions
Secrets to Convert Online Leads
The New Google Business Profile
90 Day CMA: Listing Strategy

📋 Submit a Partner Inquiry

We'll be in touch within one business day.

📞 Call or Text Anthony Directly

No call centers. Anthony picks up.

407.373.8073

🎓 Book a Class at Your Office

Free education for your agents. 12 topics. In-person or virtual.

Request a Class →
Free · No Credit Pull · No Obligation

Already Have a Mortgage Quote?

Send it to Anthony for a free, line-by-line second opinion. Honest answer guaranteed — even if your current lender is already the best deal.

Get My Free Review → Takes 90 seconds
🎖️ Combat Veteran  ·  VA Loan Specialist  ·  NMLS# 2021422

You Served.
Now Let Your Benefit Work for You.

As a combat veteran of the 82nd Airborne Division, Anthony understands the VA loan benefit better than most — because he's lived it. He's helped dozens of veterans and active-duty service members use their VA entitlement to buy homes with zero down and no PMI.

$0
Down Payment
No
PMI Ever
Lower
Rates vs Conv.
Reusable
For Life
VA Loan Advantages
✓
$0 Down Payment
Purchase with no money down for eligible veterans — keep your cash working for you.
✓
No Private Mortgage Insurance (PMI)
Save $200–$500/month compared to conventional loans — that's real money back in your pocket.
✓
Competitive Interest Rates
VA-backed loans typically carry rates 0.25%–0.5% below conventional — saving tens of thousands over the life of your loan.
✓
Flexible Credit Guidelines
More forgiving underwriting than conventional loans for qualified veterans.
✓
Assumable Mortgage
A future buyer can assume your VA loan rate — a hidden advantage most veterans never use.
✓
Use It More Than Once
Your VA benefit isn't one-time. You can reuse it throughout your life — many veterans don't know this.
Check My VA Eligibility → Read VA Loan Guide →
Anthony Alzate — Combat Veteran, 82nd Airborne Division, VA Loan Specialist

"We felt we were in good hands and matched with a team who truly knows and understands military clients."

— Verified Google Review

Horizon Home Loans — Airborne Mortgage
🎖️
Not sure if you qualify for a VA loan?
90 days active duty wartime · 181 days peacetime · 6+ years National Guard/Reserves · Surviving spouse eligibility. Anthony checks your Certificate of Eligibility (COE) at no cost.
Check Eligibility →
Loan Products

Florida Mortgage Loans for Every Buyer

VA, FHA, Conventional, Non-QM — we match you with the loan built around your goals and long-term financial future.

🏠

Conventional

Flexible terms with competitive rates. Ideal for buyers with solid credit and stable income across Central Florida's market.

Learn More →
⭐

FHA Loans

Government-backed financing with as little as 3.5% down — perfect for first-time buyers or those building credit history.

Learn More →
🎖️

VA Loans

Zero down, no PMI, competitive rates — exclusively for veterans and active-duty. You've earned this benefit.

Learn More →
🌿

USDA Loans

100% financing for eligible rural and suburban properties. No down payment required in qualifying areas.

Learn More →
💎

Jumbo Loans

Financing for luxury properties in Windermere, Dr. Phillips, and Winter Park that exceed conventional loan limits.

Learn More →
📋

Non-QM Loans

Flexible solutions for self-employed borrowers, investors, and those with unique income that doesn't fit standard guidelines.

Learn More →
🔄

Refinancing

Lower your rate, shorten your term, or access equity. We show you exactly what refinancing saves — in dollars, not percentages.

Learn More →
🏘️

Investment Properties

Rental properties, flips, or short-term rentals near Disney — we structure financing to maximize your return.

Learn More →
🆕

New Construction

Buying from a builder? We compare builder incentives vs. outside financing — often saving thousands at closing.

Learn More →
Get a Free Rate Quote — No Obligation
Client Reviews
Anthony Alzate

What Central Florida Homebuyers Say

168+ five-star Google reviews from families Anthony has helped across Central Florida.

★★★★★
His professionalism and first class service is unmatched. Thank you so much for making our first home buying process completely stress-free! If you ever need a mortgage broker — HE is your guy!
CC
Cecile Chatman
Google Review · Verified Purchase
★★★★★
Anthony took care of us right from our first phone call until after closing day. He offered great advice, always had our best interests in mind and kept us well informed throughout the entire home buying process.
AS
Adele Snook
Google Review · Verified Purchase
★★★★★
We felt like we were definitely in good hands and matched with a team who truly knows and understands military clients. We are very appreciative for all of their help with our recent home purchase!
V
Marcus T.
Google Review · Verified Purchase
★★★★★
Anthony Alzate is my trusted partner when it comes to mortgage and home financing. He has a wealth of knowledge on the home loan process — for veteran and military clients as well as non-military homebuyers.
R
Diana R.
Google Review · Verified
★★★★★
Anthony was always super responsive and available whenever we had questions. The process was smoother than I ever expected. I would highly recommend him to anyone looking to buy a home.
JM
Jorge M.
Google Review · Verified Purchase
★★★★★
As first-time homebuyers we were nervous, but Anthony walked us through every step and made sure we understood all of our options. He made it simple, clear, and completely stress-free from start to finish.
SR
Sofia R.
Google Review · Verified Purchase
★★★★★
168+ Five-Star Google Reviews · Trusted by Central Florida Homebuyers & Agents
Areas Served

Mortgage Broker Serving Central Florida Communities

Local expertise for every community — from lakefront estates to growing suburbs.

WINTER GARDEN

Median ~$470K

Charming downtown, top schools, and Horizon West — Anthony's home community and local specialty.

View Guide →

WINDERMERE

Median ~$720K

Lakefront luxury and gated estates on the Butler Chain — Florida's premier address.

View Guide →

ORLANDO

Median ~$385K

Central Florida's largest market — diverse neighborhoods across all price points and loan types.

View Guide →

WINTER PARK

Median ~$590K

Park Avenue, lakefront estates, Rollins College, and world-class dining — the jewel of Central Florida.

View Guide →

DR. PHILLIPS

Median ~$560K

Restaurant Row, Bay Hill, and A-rated schools — one of Orlando's most prestigious communities.

View Guide →

OCOEE

Median ~$370K

Affordable and growing fast — positioned perfectly between Orlando and Winter Garden.

View Guide →

CLERMONT

Median ~$390K

Rolling hills, lake views, and Florida's #1 fastest-growing city — a refreshing alternative.

View Guide →

SANFORD

Median ~$340K

Historic downtown, waterfront living, and Central Florida's strongest value market.

View Guide →

KISSIMMEE

Median ~$355K

Near Disney World — top market for first-time buyers and short-term rental investors.

View Guide →
Resources & Education

Mortgage Education for Central Florida Homebuyers

Real articles written by Anthony — market updates, loan guides, and buyer education in plain English.

Market Update
July 2026

Central Florida Housing Market: Mid-Year Buyer's Guide 2026

Inventory, rates, and prices across Winter Garden, Orlando, and surrounding communities — what buyers need to know right now.

Read Article →
First-Time Buyers
June 2026

The Real Cost of Waiting to Buy a Home in Central Florida

We break down the math on what waiting for a lower rate actually costs — in real dollars, not percentages.

Read Article →
VA Loans
May 2026

VA Loan Benefits Most Veterans Don't Know They Have

From no PMI to assumable mortgages — your VA benefit is one of the most powerful financial tools available. Are you using it?

Read Article →
View All Articles →

Trusted Homebuyer Resources

🏛️ HUD Homebuyer Resources hud.gov 🎖️ VA Home Loan Program va.gov 📊 Freddie Mac Buyer Guide freddiemac.com 📋 CFPB Owning a Home consumerfinance.gov
Get Started

Let's Find Your Path to Homeownership

Whether you're ready to apply or just have questions — reach out. No pressure, no jargon. Hablo Español.

📞
Phone / Text
407.373.8073
📱
Social
@horizonhomeloan
🌎
Languages
English & Spanish / Inglés y Español

Anthony Alzate · Horizon Home Loans · NMLS# 2021422 · Aspire Mortgage Advisors LLC · NMLS# 2617555 · Equal Housing Lender. This is not a commitment to lend. All loans subject to credit and property approval.

Ready to Apply?

Start your mortgage application securely through our Aspire portal — takes about 15 minutes.

or have questions first?

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🔒 Your information is never shared or sold. No credit pull required.

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