Get to know us

Located in Beautiful Central Florida, we thrive on the success and satisfaction of our clients.

Calculators

Calculate your mortgage, interest rates, and more.

Loan Programs

Explore various loan program options for fixed and adjustable rate mortgages.

Our ServicesFind Loan Products We Offer

Purchase

Whether you are buying your first home or your dream home, we have a mortgage solution for you. Get your custom rate quote today.

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Refinance

We are committed to helping you refinance with the lowest rates and fees in the industry today. Check out our Low Rates, Calculate your Payment, or Start the Process Today!

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Our Secure Application takes about 12 minutes to complete, and is required for a "Pre-Approval." You will be contacted once your application is submitted. Submit your Application

FHA, Conventional, and VA Loans in Oviedo, Kissimmee, Orlando, FL

Welcome to the official site of Xcell Mortgage Company LLC. We are a full service mortgage company based in Oviedo, FL. We specialize in FHA, Conventional, and VA Loans in Oviedo, Kissimmee, and Orlando. We also serve the surrounding cities in Osceola County and Orange County. Whether you are buying a home or refinancing in any of these zip codes: 32765, 32708, 34743, we can help you realize your dream of home ownership or save you money when getting your new lower monthly payment.

In terms of Purchase Loan programs, we offer the following:

Refinancing? We can help you with that, too!

We offer a wide range of refinance options, designed to best meet the needs of local borrowers. If you're looking for cash out, or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs:

What makes Xcell Mortgage Company LLC unique is that we offer the following niche programs as well: Down Payment Assistance, NON QM Programs, Foreign Nationals, First time home buyers.

Contact Xcell Mortgage Company LLC today to discuss your mortgage loan options, and find out which loan program will best suit your needs.

WHAT PEOPLE SAYSome of our Awesome Testimonials

Level of service: Excellent; very satisfied; most important factor: professionalism and knowledge; always available. I will recommend Sanda to my family and friends

Mirna Gomez

Altamonte Springs, Florida

I just bought a beautiful condo with the assistance of Sandra Narvaez from Xcell Mortgage Co. Sandra was very instrumental in helping me achieve my goal of being a home owner because she listened to my needs, and she diligently walked me through the home buying process every step of the way. She was a mentor, she explained all the forms that were needed and she encouraged me when things got stressful. I highly recommend her as your loan processor because she gets things done. I give ger 5 stars

Iriz Perez

Haines City, Florida

level of service: excellent level of satisfaction: very satified Most important factor: Knowledge/professionalism, service, integrity, competitve rates

Jesus Gonzalez

Orlando, FL

Sandra es excelente profesional, amable, diligente con una exoeriencia inigualable que comprueba con el resultado de su trabajo. es definitivamente la mejor.

Germinal Siurana

Orlando, FL

I really loved the service that i was provided. It was excelent.

Luis Fornier

Orlando, Florida

Mi nombre es Raquel Barrera. Estoy sumamente agradecida a la SRa Sandra y su equipo. A Fredy y Sigrid. De no haber isdo por su ardua labor yo no hubiera tenido mi casa hoy. Excelente trabajo. TRANSLATION My name is raquel Barrera. I am very grateful with Sandra and her team, Aslo to Fredy and Sigrid. Without their hard work, i will not be able to have my ne home today. Excelent work.

Raquel Barrera