Conventional & jumbo
Explore financing for a primary residence, second home, or investment property, based on your needs and eligibility.
Florida & Pennsylvania mortgages
Your home.
Your goals.
Your opportunity.
Buying your first home, refinancing, or investing in property? Opportunity Mortgage Group, LLC brings personal mortgage guidance from Orlando to borrowers across Florida and Pennsylvania.
Personal guidance from Harold Delcham · NMLS 639834
FIRST-TIME BUYERSMOVE-UP BUYERSHOMEOWNERSREAL ESTATE INVESTORS
A clearer way home
01
Start with a conversation.
Tell us where you are and where you want to go.
02
Understand your options.
Review financing paths, costs, and what to prepare.
03
Move forward informed.
Apply through our secure portal and build your next steps.
Explore the possibilities
A mortgage that fits your next chapter.
We’ll help you compare available programs and understand the tradeoffs before you choose.
FHA, VA & USDA
Learn how government-backed loan programs work and which requirements may apply to your situation.
Self-employed & investors
Discuss bank statement, DSCR, and other non-QM options for qualifying scenarios. Availability and terms vary.
Down-payment assistance
Explore assistance options and how eligibility, available funding, repayment terms, and other requirements may affect your purchase.
Discuss your options ↗Refinance & home equity
Discuss refinancing, HELOCs, and home-equity loans in the context of your goals, existing financing, costs, and available equity.
Discuss your options ↗Renovation & construction
Explore renovation financing and construction options, including available one-time-close programs. Property, builder, and lender requirements apply.
Discuss your options ↗Reverse mortgage options
Learn about reverse mortgage options and the responsibilities, costs, and eligibility requirements to consider before deciding.
Discuss your options ↗All programs are subject to lender availability, underwriting, credit and property approval. A consultation is not a commitment to lend.
Make room for the full picture
Explore your monthly payment.
Try your own numbers to see an estimated monthly housing cost. No contact information is required.
Planning estimate for a fully amortizing, fixed-rate loan with monthly payments. Excludes closing costs, prepaid items, upfront or financed program fees, flood insurance, special assessments, utilities, maintenance, and other costs unless included in your inputs. Taxes, insurance, and other charges can change. HOA dues may be paid separately. This is not a Loan Estimate, affordability determination, approval, or commitment to lend.
Florida first-time homebuyers
Your first home.
A more confident start.
Join Harold for “Your First Florida Home: From Planning to Closing”—a practical introduction to preparing for your purchase.
Tuesday, November 10, 2026 · 7:00 PM Eastern · Online via Zoom
Register to receive joining instructions for the live webinar.
Reserve my webinar spot ↗- How mortgage preapproval and home shopping fit together
- What to know about upfront and ongoing ownership costs
- How to prepare for the application and document process
- How to explore assistance programs without assuming eligibility
- Live Q&A, plus a clear next step for your own situation
Educational information only. Program eligibility and funding availability must be verified.
Investment-property financing
Your next rental starts with the numbers.
Explore DSCR financing for eligible non-owner-occupied rental properties with Opportunity Mortgage Group, LLC. Start with the property, your investment plan, and the payment you need to understand.
Purchase a rental property
Discuss financing for a rental purchase, including the property's expected rent, down payment, reserves, credit profile, and available loan terms.
Refinance an investment
Review your current financing, new loan costs, payment structure, and any prepayment penalty before deciding whether a refinance supports your plans.
Explore rental-property equity
Consider available cash-out refinance options alongside leverage, closing costs, reserves, and the effect on your monthly payment.
What does DSCR mean?
Debt service coverage ratio compares eligible rental income with the property payment used by the loan program. Many residential rental programs divide monthly qualifying rent by principal, interest, property taxes, insurance, and association dues (PITIA).
A ratio of 1.00 means those two amounts are equal. It does not mean the property breaks even after maintenance, vacancy, management, repairs, and other operating costs.
Can a short-term rental or Airbnb qualify?
Some programs consider eligible short-term rental properties. Accepted income documentation, rental history, property requirements, and local restrictions vary. Projected platform revenue is not automatically qualifying income.
Can I borrow through an LLC?
Entity borrowing may be available for qualifying business-purpose transactions. Entity documentation, ownership, guarantees, property state, and program requirements must be reviewed.
Are DSCR loans available in more states?
Business-purpose investment financing may have different state requirements from consumer mortgages. Availability depends on the property state, loan purpose, occupancy, borrower structure, and applicable licensing and program requirements. Ask us to review your scenario before starting an application.
Is DSCR financing the same as no-documentation financing?
No. Rental income, property value, credit, assets, reserves, ownership, and other documentation may still be required. A DSCR calculation alone does not determine eligibility.
For the first conversation, have the property state, unit count, intended occupancy, individual or entity borrower, purchase or refinance goal, estimated rent, and available down payment or equity ready. Use the secure portal for financial documents.
Understand the calculation
A simple DSCR example
Hypothetical qualifying rent: $3,000/month
Hypothetical PITIA: $2,500/month
$3,000 ÷ $2,500 = 1.20
Rental income is 1.20 times the payment in this example. That leaves $500 before operating costs omitted from this calculation.
Illustrative math only. This is not a rate quote, program minimum, cash-flow forecast, or loan approval. Qualifying rent and payment treatment vary by program, including for interest-only loans. Ask for a complete scenario review.
Business-purpose financing is intended for qualifying investment use. Property, occupancy, entity, credit, reserves, loan amount, state availability, and other requirements apply. No approval or nationwide availability is promised.
CLIENT EXPERIENCES
Guidance that people remember.
Selected excerpts from public reviews of Opportunity Mortgage Group.
★★★★★
“Harold was amazing and patient in my multi family purchase.”
Philip Barnes
Google review · Excerpt
Review excerpt provided October 15, 2026
★★★★★
“Harold took the time to explain what we should expect and aided us in every part of the journey.”
Geraldine Artiste
Google review · Excerpt
Review excerpt provided October 15, 2026
★★★★★
“Kept us informed on everything through our home buying process & explained everything thoroughly.”
Phillip Davis
Google review · Excerpt
Review excerpt provided October 15, 2026
Selected individual experiences; results and loan eligibility vary. These excerpts are not an aggregate rating or a guarantee of an outcome.
More of Harold’s client-service history
“The opportunity to work with professionals who kept me informed of every step in the process.”
Robbin K S · February 4, 2022 · Philadelphia, PA
Historical review from Harold’s prior employment, before Opportunity Mortgage Group. Source: Experience.com — view original profile ↗
KEEP THE CONVERSATION GOING
Mortgage insights.
A little perspective.
Follow Harold and Opportunity Mortgage Group for mortgage education and market updates—with a little golf along the way.
Keep your own goals in view.
A market update is a starting point. A personal conversation can help you understand what current financing options may mean for your plans.
Talk through your next move ↗Social posts reflect information available when published. Ask for current availability and personalized details.
Orlando roots. Personal guidance.
Mortgage guidance in Florida and Pennsylvania.
Opportunity Mortgage Group, LLC is a mortgage brokerage based at 2400 Sand Lake Rd, Suite 777, Orlando, FL 32809. Harold Delcham helps borrowers explore financing for buying a home, refinancing, accessing home equity, or purchasing investment property.
We serve Florida and Pennsylvania, including homebuyers and homeowners in Orlando, Clermont, and surrounding Central Florida communities. Phone and Zoom consultations are available Monday–Saturday, 9 AM–7 PM Eastern, subject to availability.
A conversation built around your goals.
Compare conventional, FHA, VA, USDA, jumbo, self-employed, DSCR, renovation, construction, reverse mortgage, and home-equity options with guidance on the costs and requirements to consider.
Harold Delcham · NMLS #639834
Opportunity Mortgage Group, LLC · NMLS #2591448
Call 267-973-9966 · Verify licensing at NMLS Consumer Access ↗
Discuss your financing goals ↗Meet your mortgage guide
Clear answers.
Personal attention.
Harold Delcham
President, Opportunity Mortgage Group, LLC
NMLS 639834
Home financing is a significant decision. Harold helps you understand the process, compare available options, and prepare for the steps ahead—with communication that keeps your goals in view.
Solicitud de hipoteca en español ↗A few good questions
Let’s make the next step clearer.
Does Opportunity Mortgage Group serve Florida and Pennsylvania?
Yes. Opportunity Mortgage Group, LLC serves borrowers in Florida and Pennsylvania from its Orlando office. Harold Delcham offers phone and Zoom consultations, including for clients in Clermont and other Central Florida communities.
Can self-employed borrowers discuss bank statement mortgage options?
Yes. Harold can review self-employed financing options, including available bank statement and other non-QM programs. Documentation, qualifying income, credit, reserves, property type, and lender requirements vary. A bank statement program is not a promise of approval.
What is the starting point for an investment-property or DSCR loan discussion?
Start with your property type, investment goals, estimated rental income, existing financing, and available down payment or equity. Harold can discuss available DSCR and other investment-property financing options. Eligibility and terms depend on the property and the lender’s guidelines.
What does the mortgage payment calculator include?
The calculator estimates principal and interest, property taxes, homeowners insurance, HOA or condo dues, and the monthly mortgage-insurance amount you enter. It uses your assumed rate rather than a live rate quote. It does not determine loan eligibility or include every cost of homeownership.
Do I need to be ready to buy right now?
No. A consultation can help you understand what to prepare and plan around your own timeline.
Can you help me explore down payment assistance?
We can discuss programs that may be relevant. Availability, funding, income limits, property requirements, and other rules vary. Assistance is not guaranteed.
Where do I send financial documents?
Use the secure application portal and follow your loan officer’s instructions. Do not email Social Security numbers, credit reports, bank statements, or other sensitive documents through a general contact form.
I’m a realtor. How do we work together?
Contact Harold to discuss borrower communication and referral coordination. Client information is shared only with appropriate authorization.
Let’s find your next step
Bring your questions.
We’ll bring a plan.
Schedule a mortgage consultation to discuss your goals.
Phone or Zoom · Monday–Saturday, 9 AM–7 PM Eastern
Appointments are subject to availability.
Already ready? Start your secure application
2400 Sand Lake Rd, Suite 777
Orlando, FL 32809
Website privacy notice
Your information deserves care.
Effective October 26, 2026. This notice describes website inquiries and scheduling. Separate financial privacy disclosures and authorizations apply to mortgage applications and services.
Information collected and how it is used
When you contact Opportunity Mortgage Group, LLC or schedule a consultation, you may provide your name, email address, phone number, appointment preferences, and questions about financing. This information is used to respond, arrange appointments, and assist with your request. Please provide only the information needed for your inquiry.
Mortgage applications may require financial, employment, identity, transaction, and credit information, including information from authorized third parties. Submit that information through the secure Arive application portal and review the disclosures and authorizations presented there.
Scheduling and service providers
We use GoHighLevel/LeadConnector for this website, contact management, and scheduling; Microsoft Outlook for calendar synchronization; Zoom for video consultations; and Arive for secure applications. Information needed to deliver the requested service is processed through the relevant provider. Those services have their own terms and privacy notices.
Lenders and other parties involved in a mortgage transaction may receive information as described in the applicable financial privacy disclosures, authorizations, and law. This website notice does not expand those authorizations.
How mortgage customer information is shared
Our financial privacy notice provides for sharing needed for everyday business, such as processing transactions, administering accounts, responding to court orders and legal investigations, and reporting to credit bureaus.
It states that we do not share mortgage customer information for joint marketing with other financial companies, for affiliates to market to customers, or for nonaffiliated companies to market their products and services to customers. Routine service-provider processing is distinct from sharing for another company’s marketing.
Separate permission for OMG marketing does not authorize another company to market to you. For questions about the financial privacy notice or your choices, contact Opportunity Mortgage Group, LLC at [email protected] or 267-973-9966, or write to 2400 Sand Lake Rd, Suite 777, Orlando, FL 32809.
Communication choices
Requesting an appointment or starting an application does not by itself authorize unrelated marketing texts. Marketing email and text communications require the appropriate permission separately from the service request. You may use the unsubscribe link in marketing emails or reply STOP to marketing texts to opt out. Message frequency varies; message and data rates may apply. Consent to marketing is not a condition of applying for or purchasing a service.
For help, privacy questions, or communication preferences, email [email protected] or call 267-973-9966. Appointment or application-related communications may still be needed to address your request.
Cookies, external links, and sensitive documents
Website and scheduling providers may process technical information such as browser, device, IP address, and service interactions to operate their services. External application, social-media, and video links lead to services governed by their own notices. Review those notices before sharing information.
Do not send Social Security numbers, bank statements, credit reports, or identity documents through a general inquiry, calendar notes, or ordinary email. Use the secure application portal. No online transmission or storage method can be guaranteed completely secure.
Privacy requests and updates
Contact us to request a correction, ask about retained information or applicable privacy choices, or raise a concern. We may need to verify your identity through an appropriate channel. Records may need to be retained for mortgage, legal, regulatory, or business requirements; a request does not guarantee immediate deletion.
Contact: Opportunity Mortgage Group, LLC, 2400 Sand Lake Rd, Suite 777, Orlando, FL 32809 · [email protected]. We may update this notice as services and practices change. The published notice will identify its effective date.
Website terms of use
Information to help you plan.
Effective October 26, 2026.
Educational information and loan availability
Website content provides general information and is not a loan approval, rate lock, commitment to lend, or individualized legal or tax advice. Loan programs, eligibility, pricing, and availability depend on the borrower, property, lender, and applicable requirements. Request current information for your situation.
Applications and appointments
A consultation booking does not establish eligibility or guarantee financing. Applications are submitted through the linked secure portal and are subject to the notices, authorizations, and terms presented during that process.
Using this website
Use this website for lawful inquiries and accurate submissions. Do not interfere with its operation or submit sensitive financial documents through ordinary email. Third-party links are provided for convenience and may have separate terms and privacy notices.
Questions
Contact Opportunity Mortgage Group, LLC at [email protected] or 2400 Sand Lake Rd, Suite 777, Orlando, FL 32809.