Jimmy Nadeau helps Orlando-area homebuyers into their dream home — with pre-approval, purchase loans, refinancing, and first-time buyer programs. A track record of excellence, one loan at a time.
Jimmy didn't take the typical path into mortgage lending. He started with a simple goal: help people make the biggest financial decision of their lives with clarity and confidence. That mindset earned him National Rookie of the Year in his very first year in the industry.
Today, as a Senior Loan Officer at CrossCountry Mortgage, Jimmy leads The Jimmy Nadeau Team in Winter Park — making the mortgage process clearer, faster, and more human for homebuyers across Central Florida.
Read Jimmy's full story →From your first pre-approval to your final payment, Jimmy stands by you every step of the way. Here's how he can help.
Find the right loan for your dream home — conventional, FHA, VA, and more.
Go from never to now. Programs designed for buyers purchasing their first home.
Lower your payment, shorten your term, or get cash from your home's equity.
Take the guesswork out of financing. See what you can afford in minutes.
Get pre-approved and shop with confidence. Start the journey here.
Heard you need 20% down? That's old news. DPA programs can put home within reach.
Jimmy knows the Central Florida market inside and out. These guides break down everything you need to know about buying a home in Orlando — from neighborhoods to affordability.
Explore Orlando's top neighborhoods — schools, amenities, home prices, and lifestyle.
Down payment assistance, grants, and programs built for Orlando first-time buyers.
How much home can you afford in Orlando? Break down the numbers by income and area.
Jimmy doesn't just work in Orlando — he invests in it. From fighting hunger to supporting local schools, he's committed to strengthening the community that's given his family so much.
Learn more about Jimmy's community involvement →Whether you're buying your first home or your next one, Jimmy's ready to help.
Jimmy Nadeau Senior Loan Officer
CrossCountry Mortgage · Branch #3982 · Winter Park, FL
147 E Lyman Avenue, Suite D & C-1, Winter Park, FL 32789
NMLS #2102442
Jimmy Nadeau is a Senior Loan Officer at CrossCountry Mortgage, America's #1 Retail Mortgage Lender, helping homebuyers across Winter Park, Orlando, and all of Central Florida. He leads The Jimmy Nadeau Team and was named 2022 National Rookie of the Year in his first year in the industry. His clients consistently rate him 5.0 out of 5 on Experience.com.
Jimmy works with homebuyers and homeowners across Winter Park, Orlando, and greater Central Florida — including Orange, Seminole, Osceola, and Lake counties — plus the entire state of Florida. He's also licensed nationwide, with the exception of New York and Hawaii. Whether you're buying near Park Avenue, downtown Orlando, Lake Nona, the surrounding suburbs, or anywhere else in Florida or the U.S., you can work with Jimmy in person, by phone, or virtually.
Start by reaching out directly at 407.450.0861 or through fundwithjimmy.com. Jimmy will walk you through what to gather — recent pay stubs, W-2s, bank statements, and an ID. We use the latest industry technology, and in many cases we can retrieve these documents electronically — creating a smooth and stress-free process. Once he has your documents, pre-approval typically takes 24 to 48 hours, so you can house hunt with a real advantage.
Several programs are available to Central Florida homebuyers. The City of Orlando offers up to $45,000 in down payment and closing cost assistance for income-eligible first-time homebuyers. Orange County's SHIP program offers up to $70,000. Florida's statewide FL Assist provides up to $10,000, and Hometown Heroes offers up to $35,000 for eligible community workforce members. CrossCountry Mortgage also has some 100% financing options for FHA loans, and I have access to many down payment assistance products. It's my job to find the best one for you and show you how to combine them.
You don't need perfect credit. FHA loans can be financed with scores as low as 500. Conventional loans no longer have a minimum score — but 620 opens up a lot of options. Your score is one part of the picture — Jimmy reviews your full financial story to find the right program for you.
Pre-qualification is a quick estimate — no credit check or document verification. Pre-approval is the real deal: Jimmy verifies your income, assets, and credit, then issues a commitment letter. Sellers take pre-approval seriously, so get pre-approved before you start house hunting.
Closing costs in Florida typically run 2% to 5% of the purchase price. On a $400,000 home, that's roughly $8,000 to $20,000. Many down payment assistance programs also cover closing costs, and in some cases the seller can contribute. Jimmy gives you a detailed breakdown early so there are no surprises.
It depends on your income, debts, down payment, and current rates. A good rule of thumb: keep your total housing payment around 28% of your gross monthly income. Florida has no state income tax, which can boost your buying power. The fastest way to know for sure is to get pre-approved — Jimmy will show you exactly what you qualify for.
Yes. Jimmy offers VA loans for eligible veterans, active-duty service members, and qualifying family members. VA loans require no down payment and no monthly mortgage insurance, which can mean real savings.
Absolutely. You don't need to be in Florida to start. Jimmy works with relocating buyers all the time and can handle your pre-approval remotely. Florida's no state income tax and down payment assistance programs make it a popular move — Jimmy will guide you through both the financing and the timing.
CrossCountry Mortgage, LLC · NMLS #1444822 · Equal Housing Lender
This page is for informational purposes and is not a commitment to lend. Your rate may vary. Terms apply.
