Your keys arecloser thanyou think.

Kortney Darius helps Florida homeowners buy, refinance, and unlock down payment assistance that turns "someday" into move-in day — with straight answers in English or Haitian Kreyòl.

Get Pre-Qualified Book a Call
BuyersPurchase & pre-approval
Down Payment HelpAssistance programs
RefinanceLower rate or cash out
POWERED BYJD Lending Group NMLS #1454990 · Equal Housing Opportunity
Kortney Darius, Mortgage Loan Officer with JD Lending Group
Kortney DariusLoan Officer · JD Lending
NMLS #1454990
English · Kreyòl Ayisyen
DPA Specialist
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Why Kortney

Dependable. Accessible. In your corner.

Kortney's promise is simple: you'll always know where your loan stands — and you'll never have to chase him for an answer.

01

Down payment help, first

Assistance programs can cover part or all of your down payment. Kortney checks what you qualify for before you ever start shopping.

02

Dependable & accessible

It's what he prides himself on most: being reachable. Real answers, the same business day — never a call center.

03

Straight answers

Every rate, fee, and closing cost explained up front, in plain language — no surprises at the closing table.

04

English & Kreyòl

Every conversation in the language you're most comfortable with — for you and your whole family.

  • No-pressure pre-qualification
  • Purchase, refinance & HELOC
  • One point of contact to closing
Down Payment Assistance

The down payment shouldn't be the reason you wait.

Kortney specializes in pairing buyers with down payment assistance — state, county, and city programs that can cover part or all of what you'd normally bring to closing.

Example · $300,000 home · 3.5% down
Down payment you bring $10,500
You bringAssistance covers

Illustration only. Amounts, income limits, and repayment terms vary by program, and funding isn't always open.

  1. State programs

    Florida Housing Finance Corporation offers first-time buyer and down payment programs — including Florida Hometown Heroes when funding is open.

  2. County & city assistance

    Many Florida counties and cities run their own down payment and closing cost help — often as deferred or forgivable second mortgages.

  3. Matched to your situation

    Income limits, price caps, and first-time-buyer rules vary. Kortney checks what's open — and what you qualify for — before you shop.

See If You Qualify Book a Call
Kortney Darius smiling in a navy dress shirt
NMLS #1454990
Watching dreams become homes.
Kortney Darius
Meet Kortney

A loan officer who's with you every step — and actually picks up the phone.

Kortney Darius is a Mortgage Loan Officer with JD Lending Group in Orlando, helping homeowners across Florida buy, refinance, and tap the down payment assistance that gets them in the door sooner. He prides himself on dependability and accessibility — whether it's a purchase or a refinance, he's with you from the first question until your loan closes quickly and smoothly.

  • Licensed Loan OfficerNMLS #1454990 · JD Lending Group Inc., NMLS #1859898
  • Down payment assistance focusState, county & city programs — paired with the right loan
  • English & Haitian KreyòlOrlando office, serving all of Florida
Read his story →
The Process

Five steps from first call to front door.

Here's exactly what happens after you reach out — no mystery, no surprises.

  1. 01/ 05Start

    Get Pre-Qualified

    A short conversation and a secure application give you a real budget — what you can afford and what it will cost each month.

    • Secure application
    • Real numbers
    • No obligation
    A couple reviewing their home budget on a laptop
  2. 02/ 05Kortney's specialty

    Find Your Assistance

    Kortney checks the down payment and closing cost programs you qualify for and builds them into your numbers before you shop.

    • State programs
    • County & city help
    • Built into your budget
    A loan officer holding a small model house next to a calculator
  3. 03/ 05House hunting

    Shop & Make an Offer

    With your pre-approval letter in hand, you and your agent shop with confidence — and your offer reads as a serious one.

    • Pre-approval letter
    • Stronger offers
    • Your agent in the loop
    A real estate agent walking a couple through a home
  4. 04/ 05The file

    Processing & Underwriting

    Kortney gathers documents, orders the appraisal, and keeps you and your agent updated so nothing stalls.

    • Clear checklist
    • Proactive updates
    • No surprises
    Two people signing loan documents at a table
  5. 05/ 05Welcome home

    Clear to Close

    Final numbers reviewed together, documents signed, and the keys are yours. Welcome home.

    • Final review
    • Sign & close
    • Keys in hand
    A hand holding house keys with a house-shaped keychain
Get Pre-Qualified

See what you qualify for — before you fall in love with a home.

Skip the guesswork. Start the secure application and Kortney will follow up with real numbers, the assistance programs you can use, and your next steps.

Pre-qualify in minutes Assistance checked for you No obligation, ever
Get Pre-Qualified Book a Call
Loan Programs

Financing for every kind of homeowner.

You shouldn't lose a home because you don't fit one box. Kortney matches you to the program that fits your goals, credit, and budget.

Kortney's specialty

Down Payment Assistance

State, county, and city programs that can cover part or all of your down payment and closing costs — paired with the right first mortgage.

Best forFirst-time and cash-light buyers
See If You Qualify

Not sure which program fits? Book a call with Kortney →

Free Tool

Your monthly payment, on the spot.

Slide the numbers to fit your plans — see principal, interest, taxes, insurance, and PMI instantly.

$
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Taxes, insurance & HOA
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$
Estimated monthly payment
$0/mo
0%principal & interest
  • Principal & interest$0
  • Property tax$0
  • Home insurance$0
  • Est. PMI$0
  • HOA$0
Loan amount$0
Down payment$0
Total interest$0
Get Pre-Qualified Book a Call

Estimates only. PMI is estimated at 0.5% of the loan amount per year when the down payment is under 20%. Actual taxes, insurance, and rates vary — Kortney will confirm your exact numbers. Down payment assistance can lower what you bring to closing.

More calculators: affordability & refinance →

More Ways Kortney Helps

Already own? In real estate? There's a plan for you too.

For Homeowners

Put your home's equity to work.

A HELOC or cash-out refinance can roll high-interest debt into one lower payment — or fund the renovation you've been planning.

Explore HELOC
For Realtors

Pre-qualified buyers, sent your way.

Kortney pre-qualifies buyers — many using down payment assistance — and connects them with partner agents in their area. You show homes and close.

See the Partner Program
On Instagram

Real talk, straight from the loan desk.

Market tips, behind-the-scenes moments, and a few laughs — follow Kortney at @closewithkort.

Follow on Instagram
Get In Touch

Let's talk about your next home.

Call, email, or answer the first question — Kortney typically gets back to you the same business day, in English or Kreyòl.

Call or Text(727) 504-7229 Emailkortney@jdlendings.com Office1412 W Colonial Dr, Suite 100, Orlando, FL 32804
LanguagesEnglish & Haitian Kreyòl
Call Kortney Email Kortney
Homeowner Pre-Qualification · First Question

What are you looking to do?

Pick one — Kortney will tailor your call to your goal.

A few quick questions — ends with a booking on Kortney's calendar.

Find Us

Visit the Orlando office.

1412 W Colonial Dr, Suite 100, Orlando, FL 32804

JD Lending Group1412 W Colonial Dr, Suite 100 · Orlando, FL 32804
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