# Wendy Hartman — full site content > Complete text of every page on wendythemortgagequeen.com, for language models and answer engines. Wendy Hartman, Mortgage Loan Originator NMLS #204385, Branch Manager, Hartford Funding, Ltd. (Company NMLS #58160), 440 Royellou Ln, Ste 101, Mount Dora, FL 32757. (720) 456-5020. Equal Housing Lender. Not a commitment to lend. No interest rates are published anywhere on the site. > Generated 2026-10-08. Index version: https://wendythemortgagequeen.com/llms.txt --- ## Mount Dora Mortgage Lender | Hartford Funding · Wendy Hartman URL: https://wendythemortgagequeen.com/ Summary: Home loans in Mount Dora, The Villages, Apopka & Central Florida from Hartford Funding's Mount Dora branch. Branch Manager Wendy Hartman, NMLS #204385. Hartford Funding · Mount Dora Branch ## Home Loans in Mount Dora & Central Florida ••• A mortgage lender financing homes since 1983, with a branch office downtown. Branch Manager Wendy Hartman handles your file personally, from the first call to closing day. Request a Quote Tell us your goals; we will map out the options. Ready to Apply Start your secure online application. Prefer to talk first? Call or text (720) 456-5020 . No commitment. ## Wendy Hartman Branch Manager / Mortgage Loan Originator NMLS #204385 (720) 456-5020 Text Wendy Apply now Email Mount Dora Branch Company NMLS #58160 Equal Housing Lender ## A direct lender, with a local office Your loan is made by Hartford Funding, Ltd. — and the person who answers the phone is the one accountable for the file. Since 1983 Four decades of residential mortgage lending 30 states + D.C. Licensed lender · HUD-approved Non-Supervised Lender Downtown Mount Dora Walk-in office at 440 Royellou Ln, Ste 101 One point of contact The same loan officer start to finish Loan programs ## Loan programs we specialize in Purchase, refinance, renovation, investment and reverse — including programs for buyers whose tax returns do not tell the whole story. - Fixed-Rate - FHA - VA - USDA - Jumbo - First-Time Buyer - Low Down Payment - Renovation - Construction - Seller-Paid Buydown - Refinance - Cash-Out - HELOC - Bank Statement - Non-QM - DSCR - Investment Property - Reverse Mortgage - …and more See all loan programs How it works ## Four steps, and you always know which one you are in - ## Talk it through Fifteen minutes on goals, timeline and budget. No obligation. - ## Get pre-approved Upload documents securely and receive a letter you can shop with. - ## Go under contract We work with your agent, order the appraisal and handle underwriting. - ## Close Final numbers reviewed together, then the keys are yours. The full process & FAQ Where we lend ## Serving Mount Dora and all of Central Florida Lake, Sumter, Orange, Marion and Seminole counties — and anywhere else in the state. ## Mount Dora Where the office is. Mount Dora home loans → ## The Villages The 55+ community, three counties. The Villages home loans → ## Apopka Orange County's fastest growth. Apopka home loans → ## Sumterville Rural Sumter County. Sumterville home loans → All service areas Your loan officer ## Wendy Hartman, Branch Manager More than two decades in mortgage lending — first in Colorado, and across Central Florida since 2022. She opened this branch, runs it, and takes the applications herself. NMLS #204385 · Member, Mount Dora Area Chamber of Commerce About Wendy Leave a Google review ## Ready to talk it through? A short conversation with Wendy costs nothing and commits you to nothing — and you will know where you stand. Call or text (720) 456-5020 Send a question --- ## About Wendy Hartman | Mount Dora Branch Manager URL: https://wendythemortgagequeen.com/about/ Summary: Wendy Hartman, NMLS #204385, Branch Manager of Hartford Funding's Mount Dora office: 20+ years in mortgage lending across Central Florida. About ## Wendy Hartman, Branch Manager & Mortgage Loan Originator NMLS #204385 · More than two decades in mortgage lending · Hartford Funding's Mount Dora branch. Wendy Hartman has spent over twenty years helping families and investors finance homes — first through a long career in Colorado, and across Central Florida since relocating in 2022 to be closer to family. She opened Hartford Funding, Ltd.'s branch in downtown Mount Dora, marked with a ribbon-cutting alongside the Mount Dora Area Chamber of Commerce in March 2026. At the opening she described the goal plainly: make one of the largest financial decisions a person makes as smooth and transparent as possible — answering questions, explaining options, and finding the loan that genuinely fits. Clients and colleagues have called her "The Mortgage Queen" for years, and that is the name to look for on Instagram and Facebook. It is a nickname, not a business name — all lending is conducted as Hartford Funding, Ltd.. ## How this branch works - She takes the file herself. The application, the updates and the closing call all come from one desk. - Plain language. What each option costs, what it requires, and where it does not fit. - Reachable. Call or text (720) 456-5020 , including evenings and weekends. - A direct lender behind her. Hartford Funding makes the loan; there is no middle step. ## Credentials Wendy Hartman Branch Manager / Mortgage Loan Originator NMLS ID #204385 — verify on NMLS Consumer Access Company Hartford Funding, Ltd. · NMLS #58160 Residential mortgage lender, est. 1983 Branch 440 Royellou Ln, Ste 101 Mount Dora, FL 32757 Education Pennsylvania State University Community Mount Dora Area Chamber of Commerce Direct (720) 456-5020 · whartman@hartfordfunding.com Who we work with ## Every kind of buyer, one standard of service ## First-time homebuyers Step by step, with down payment assistance and first-time programs on the table wherever they apply. ## Move-up buyers & relocators Timing a sale against a purchase, or landing in Central Florida from out of state. ## Veterans & service members VA purchase and refinance options, including help obtaining a Certificate of Eligibility. ## Self-employed & investors Bank statement, DSCR and other programs built for income that tax returns understate. ## Homeowners 55+ Right-sizing, buying in The Villages, or weighing whether a reverse mortgage fits. ## Refinancing homeowners Lower a payment, shorten a term, consolidate debt — and a straight answer when it does not pay. The lender ## About Hartford Funding, Ltd. Hartford Funding opened in 1983 and has been making residential mortgage loans ever since. It is a direct lender and a HUD-approved Non-Supervised Lender (Lender ID #34502-09992), licensed in 30 states and Washington, D.C., with its corporate office in Woodbury, New York. The Mount Dora branch brings that track record to Central Florida with local, hands-on service. Company NMLS #58160 · 100 Crossways Park Drive West, Suite 302, Woodbury, NY 11797 · Toll-free (833) 238-2280 · Licensing & disclosures - Est. 1983 - Direct lender - HUD-approved - 30 states + D.C. - Equal Housing Lender ## Want to know where you stand? Fifteen minutes on the phone is usually enough to know what you qualify for — and what to fix first, if anything. Call or text (720) 456-5020 Send a question --- ## Home Loan Programs in Central Florida | Hartford Funding URL: https://wendythemortgagequeen.com/loan-programs/ Summary: Conventional, FHA, VA, USDA, jumbo, first-time buyer, renovation, bank statement, DSCR, HELOC, reverse mortgage and refinance options from the Mount Dora branch. Loan programs ## Home Loan Programs Across Central Florida What we finance, in one line each. Which one fits depends on credit, income, the property and your plans — so the next step is a short conversation, not a calculator. No rates appear on this page. They change daily and depend on the file, so Wendy quotes them personally. - Buying - Refinancing - Self-employed & investors - Homeowners 62+ ## Buying a home ## Fixed-Rate Conventional A rate and a principal-and-interest payment that stay the same for the life of the loan. Fits: Established credit, and anyone comparing against FHA. Ask about Fixed-Rate Conventional → ## FHA Loans Insured by the Federal Housing Administration, with more flexible credit guidelines and a lower down payment than many conventional options. Mortgage insurance applies. Fits: First-time buyers and buyers rebuilding credit. Ask about FHA Loans → ## VA Loans Guaranteed by the U.S. Department of Veterans Affairs for eligible veterans, service members and certain surviving spouses — no down payment and no monthly mortgage insurance for those who qualify. Fits: Veterans anywhere in Central Florida. Ask about VA Loans → ## USDA Rural Development No-down-payment financing for eligible buyers in USDA-designated rural areas. Income limits and property location rules apply. Fits: Sumterville and rural Lake and Sumter County. Ask about USDA Rural Development → ## Jumbo Loans For loan amounts above the conforming limits, with closer review of reserves, credit and documentation. Fits: Lakefront and higher-value Central Florida homes. Ask about Jumbo Loans → ## First-Time Buyer & Down Payment Assistance Programs that make a first purchase easier, including Florida Housing assistance such as Hometown Heroes for eligible workers. Funding and rules change. Fits: Renters ready to buy; teachers, nurses, first responders. Ask about First-Time Buyer & Down Payment Assistance → ## Low Down Payment Options Conventional and government programs allowing a smaller down payment, often with gift funds from family permitted. Fits: Buyers who would rather not drain savings. Ask about Low Down Payment Options → ## Seller-Paid Buydowns A seller or builder pays to temporarily reduce the rate early in the loan. We show how it compares to a price reduction. Fits: New-construction buyers in Apopka and The Villages. Ask about Seller-Paid Buydowns → ## Construction Loans Finance a build on land you own or are buying, with draws to the builder and a permanent mortgage at completion. Fits: Building on acreage in Lake and Sumter County. Ask about Construction Loans → ## Rehab & Renovation Roll repairs or improvements into one purchase or refinance loan, based on the home's value after the work. Fits: Older Mount Dora and Eustis homes. Ask about Rehab & Renovation → ## Refinancing ## Rate & Term Refinance Replace the current mortgage to change the rate or term, remove mortgage insurance, or move off an adjustable rate. Fits: Homeowners whose credit or equity has improved. Ask about Rate & Term Refinance → ## Cash-Out Refinance Refinance for more than is owed and take the difference in cash, subject to equity and program limits. Fits: Consolidating debt or funding a renovation. Ask about Cash-Out Refinance → ## VA Refinancing (IRRRL) Streamlined refinancing of an existing VA loan with reduced documentation; VA cash-out options are also available. Fits: Veterans who bought when rates were higher. Ask about VA Refinancing → ## HELOC A revolving line of credit secured by the home and drawn as needed, without touching the first mortgage. Fits: Homeowners with a first mortgage worth keeping. Ask about HELOC → ## Self-employed & investors ## Bank Statement Program Qualify on business or personal bank deposits instead of tax returns. Fits: Business owners whose returns understate income. Ask about Bank Statement Program → ## Non-QM Loans Alternative documentation and more flexible guidelines than conventional loans — asset depletion, recent credit events, interest-only options. Fits: Strong finances that fall outside a standard box. Ask about Non-QM Loans → ## DSCR Investor Loans Qualify on the property's rental income rather than personal tax returns. Fits: Landlords building a Central Florida portfolio. Ask about DSCR Investor Loans → ## Investment Property Conventional and specialty financing for rentals, from a first duplex to a growing portfolio. Fits: First-time and experienced investors. Ask about Investment Property → ## Homeowners 62 and older ## Reverse Mortgage (HECM) Converts part of a home's equity into funds with no required monthly principal-and-interest payment while the borrower lives there and keeps up taxes, insurance and maintenance. It can also be used to buy a home. HUD-approved counseling is required. Fits: Retirees weighing cash flow, downsizing or aging in place. Ask about Reverse Mortgage → The fine print. These are general summaries, not offers of credit. Eligibility, terms, mortgage insurance, fees and availability depend on credit, income, assets, the property and current program guidelines, which change without notice. FHA, VA and USDA programs are administered by federal agencies; Florida Hometown Heroes is a program of Florida Housing Finance Corporation. Hartford Funding, Ltd. is a participating lender, not a government agency. Not all applicants will qualify. ## Not sure which one fits? That is the job. Describe the situation and Wendy will narrow it to the two or three worth comparing. Call or text (720) 456-5020 Send a question --- ## How the Mortgage Process Works | Hartford Funding Mount Dora URL: https://wendythemortgagequeen.com/how-it-works/ Summary: Pre-approval to closing, step by step, from Hartford Funding's Mount Dora branch — what to expect, what to gather, and answers to the questions buyers ask most. How it works ## How the Mortgage Process Works, Step by Step What happens, in what order, and what we will need from you at each stage. ## Three ways to start ## Call or text (720) 456-5020 — the fastest route to an answer. Reach Wendy → ## Request a quote A short questionnaire; Wendy follows up with options that fit. Open the questionnaire → ## Apply online Start the secure application and upload documents from your phone. Start the application → ## The five steps - ## Conversation Goals, timeline, budget and any credit concerns. Fifteen minutes. - ## Pre-approval Documents reviewed; a letter issued that you can shop with. - ## Offer & contract We coordinate with your agent and update the letter for a specific home. - ## Processing & underwriting Appraisal, title and insurance ordered; conditions cleared early. - ## Clear to close Final Closing Disclosure reviewed together, then keys. ## What to have ready These speed up pre-approval. Missing something is not a problem — we work with what you have. - Government-issued photo ID - Recent pay stubs and the last two years of W-2s - Two years of federal tax returns, especially if self-employed - Recent bank and retirement account statements - Details of the current mortgage or rent - For VA loans: DD-214 or statement of service Never email sensitive documents. A secure upload link comes from Hartford Funding's portal when it is time. Social Security and account numbers should never go in a web form, email or text. ## Common questions How long does pre-approval take? Usually a day or two once documents are in. A short conversation comes first, then paperwork uploads securely and Wendy reviews it herself. Complex files — self-employment, a recent job change — take longer, and she will say so up front. Will getting pre-approved hurt my credit? Pre-approval involves a credit inquiry, which can have a small, temporary effect. Credit scoring models generally treat multiple mortgage inquiries within a short shopping window as one, so comparing lenders does not compound the impact. What is the difference between pre-qualification and pre-approval? A pre-qualification is an estimate based on what you tell us. A pre-approval means credit, income and assets have been reviewed and a letter stands behind you — which is what sellers and listing agents take seriously. How much is needed for a down payment? It depends on the program. Some government-backed programs allow eligible borrowers to buy with nothing down, several conventional and FHA options allow a small down payment, gift funds from family are often permitted, and Florida offers assistance programs for eligible buyers. We work out the number that applies to your situation. Can self-employed borrowers qualify? Yes. Many business owners qualify on two years of tax returns. Where returns understate what a business earns, bank statement and other non-QM programs use different documentation instead. What should veterans know? The VA benefit allows eligible borrowers to buy with no down payment and no monthly mortgage insurance. A Certificate of Eligibility is required, and we help obtain it. Existing VA loans may qualify for the streamlined IRRRL refinance. Do you work with buyers in The Villages? Regularly — including how the community development district bond, amenity fees and 55+ deed restrictions factor into qualifying, and reverse mortgage options for eligible homeowners. Is Hartford Funding a bank? Hartford Funding, Ltd. is a direct residential mortgage lender founded in 1983, licensed in 30 states plus Washington, D.C. The loan closes with Hartford Funding, and the same loan officer stays with the file throughout. Does a conversation cost anything? No. Nothing is charged for a conversation, and nothing is owed afterwards. Where do you meet clients? At 440 Royellou Ln, Ste 101 in downtown Mount Dora, or entirely by phone, text and secure portal — whichever suits you. ## Ready for step one? Call or text Wendy, or send a question. No obligation either way. Call or text (720) 456-5020 Send a question --- ## Contact | Hartford Funding Mount Dora · Wendy Hartman URL: https://wendythemortgagequeen.com/contact/ Summary: Call or text (720) 456-5020, email, or send a question to Hartford Funding's Mount Dora branch at 440 Royellou Ln, Ste 101, Mount Dora, FL 32757. Contact ## Contact the Mount Dora Branch Call, text, email or send a question — it reaches Wendy Hartman directly. ## Ask a question Buying, refinancing, or simply wondering whether now makes sense. Wendy reads every message personally. Leave this field empty Your name Email Phone (optional) Where are you looking? Choose an area Mount Dora / Eustis / Tavares The Villages / Lady Lake / Wildwood Apopka / northwest Orange County Sumterville / Bushnell / Sumter County Orlando metro Elsewhere in Florida Not sure yet What is the goal? Choose one Buy a first home Buy a next home Refinance Buy an investment property Explore a reverse mortgage General question Timeline Choose one As soon as possible Next few months Later this year Just planning ahead Your question I agree to receive informational text messages from Hartford Funding, Ltd. about my inquiry, such as follow-up questions, document requests and appointment reminders. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for help. (Optional) I agree to receive marketing text messages from Hartford Funding, Ltd., such as market updates, educational content and available loan programs. Message frequency varies; message and data rates may apply; reply STOP to opt out or HELP for help. Consent is not a condition of obtaining a loan or any product or service. See the Communications Policy and Privacy Policy . Send your question Submitting this form authorises Hartford Funding, Ltd. to respond by phone or email. It is not a loan application or a commitment to lend. A secure link is sent when documents are needed — please do not send sensitive information here. ## Mount Dora branch Hartford Funding, Ltd. 440 Royellou Ln, Ste 101 Mount Dora, FL 32757 Directions → Hours - Monday – Friday 9:00 AM – 5:00 PM - Saturday – Sunday By appointment ## Wendy Hartman Branch Manager / Mortgage Loan Originator · NMLS #204385 Call or text (720) 456-5020 · Send a text Email whartman@hartfordfunding.com Apply or get a quote Secure application · Request a quote Follow & review Leave a Google review → ## Existing clients Manage a loan or make a payment through Hartford Funding: Make a Payment → Corporate office: 100 Crossways Park Drive West, Suite 302, Woodbury, NY 11797 · (833) 238-2280 toll-free · (516) 595-7600 Downtown Mount Dora, a short walk from Donnelly Street. --- ## Central Florida Home Loans | Mount Dora, The Villages & Apopka URL: https://wendythemortgagequeen.com/service-areas/ Summary: Hartford Funding's Mount Dora branch serves homebuyers in Mount Dora, The Villages, Apopka, Sumterville and throughout Lake, Sumter, Orange and Marion counties. Service areas ## Central Florida Home Loans — Lake, Sumter, Orange & Beyond Central Florida is a dozen housing markets, not one. A 1920s bungalow, a villa with a bond attached and five rural acres each raise different questions in underwriting — and knowing them before you are under contract is the point of a local branch. ## Mount Dora Historic downtown, lakefront and 1920s homes — and the appraisal quirks that come with them. Mount Dora home loans → ## The Villages Bond, amenity fees and 55+ rules, accounted for from the first conversation. The Villages home loans → ## Apopka New construction and first-time buyers — including how to compare the builder's lender. Apopka home loans → ## Sumterville Acreage, well and septic, and USDA eligibility checked by address. Sumterville home loans → ## Also serving Lake, Sumter, Orange, Marion and Seminole counties, including: - Eustis - Tavares - Leesburg - Clermont - Sorrento - Umatilla - Zellwood - Lady Lake - Wildwood - Bushnell - Ocoee - Winter Garden - Sanford - Orlando - Ocala - …and all of Florida ## Buying somewhere not listed? Hartford Funding is licensed throughout Florida. Tell Wendy where you are looking and she will tell you what to watch for. Call or text (720) 456-5020 Send a question --- ## Mount Dora, FL Home Loans & Pre-Approval | Hartford Funding URL: https://wendythemortgagequeen.com/service-areas/mount-dora-fl/ Summary: Hartford Funding's branch in downtown Mount Dora, FL finances historic, lakefront and new-construction homes across Lake County. NMLS #204385. Home loans · Mount Dora, FL ## Mount Dora, FL Home Loans From a Branch Downtown The branch office is at 440 Royellou Ln, Ste 101 — a short walk from Donnelly Street and the lakefront. Buying or refinancing here means the lender is down the road, not in another state. Lake County Central Florida's lake country, about 30 miles northwest of Orlando ZIP 32757 Historic downtown, lakefront neighbourhoods and newer communities toward Sorrento Branch office Open weekdays downtown since 2026 ## What matters here - Older homes. Much of the stock near downtown dates to the 1920s–1960s, so appraisers look closely at roofs, wiring, plumbing and unpermitted additions. A renovation loan is often cleaner than a standard purchase loan. - Lakefront values. Lakefront properties often exceed conforming limits into jumbo territory, and flood-zone determinations affect both insurance and qualifying. - Newer communities. Toward Sorrento and along SR 429, HOA dues and sometimes CDD assessments enter the payment calculation — and builders often offer seller-paid buydowns. - First-time buyers. Mount Dora is a common first step out of renting; Florida down payment assistance frequently applies when funded. More on financing a historic Mount Dora home Homes in the historic district and surrounding streets were built long before current codes. Underwriting focuses on the roof's remaining life, electrical service, plumbing material and whether additions were permitted. Florida insurance carriers apply their own roof-age rules, which can affect a closing more than the loan itself. Where repairs are needed, a renovation loan finances the purchase and the work together, based on the value after completion — usually simpler than negotiating repairs before closing. ## Programs that come up most - First-time buyer - Fixed-rate conventional - FHA - VA - Renovation - Jumbo - Refinance - Cash-out refinance ## Wendy Hartman Branch Manager / Mortgage Loan Originator NMLS #204385 (720) 456-5020 Text Wendy Apply now Email Mount Dora Branch Company NMLS #58160 Equal Housing Lender ## Nearby communities - Eustis - Tavares - Sorrento - Mount Plymouth - Zellwood - Umatilla - Leesburg - Clermont All service areas → ## Mount Dora questions Can we meet in person? Yes. The branch is at 440 Royellou Ln, Ste 101, Mount Dora, FL 32757, open weekdays 9 to 5 and by appointment evenings and weekends. Many clients handle everything by phone and secure portal instead. Anything special about buying a historic home here? Have a thorough inspection and share it early. Older roofs, aluminium wiring, cast-iron plumbing and unpermitted additions all affect appraisal and underwriting, and a renovation loan is often the cleanest path. Is Mount Dora eligible for USDA loans? Most of Mount Dora proper is not, though some outlying Lake County addresses fall in eligible areas. Eligibility is set by USDA maps and changes over time — send the address and we will check it. Do you work with local real estate agents? Constantly. The branch is a member of the Mount Dora Area Chamber of Commerce and works with agents across Lake County. Introductions are available, with no obligation to use anyone suggested. ## Buying or refinancing in Mount Dora? Send the address and the inspection report. A downtown office means the appraisal questions get answered before they become closing delays. Call or text (720) 456-5020 Send a question --- ## Home Loans in The Villages, FL | Hartford Funding, NMLS 58160 URL: https://wendythemortgagequeen.com/service-areas/the-villages-fl/ Summary: Financing in The Villages, FL: purchase, refinance and reverse mortgage options that account for the CDD bond, amenity fees and 55+ rules. Home loans · The Villages, FL ## Home Loans in The Villages, FL Relocating, moving between villages, buying a winter home or weighing a reverse mortgage — the bond, the amenity fee and the 55+ rules belong in the numbers from the first conversation, not at closing. Sumter, Lake & Marion The 55+ community spans three counties and dozens of villages ~35 minutes From the Mount Dora branch; meetings in The Villages are routine Relocation-ready Long-distance purchases handled by phone, portal and e-signature ## What matters here - The bond and amenity fee. Most homes carry a Community Development District bond that can be paid off or paid annually with property taxes, plus a monthly amenity fee. Both count toward qualifying ratios and the true monthly cost. - New versus pre-owned. The developer sells new homes through its own preferred lender; comparing is always allowed. Pre-owned homes raise their own questions — roof and HVAC age, and whether the bond is already paid. - Second homes. Buying a winter home while keeping a primary residence elsewhere carries specific down payment and occupancy rules. - Veterans. The Villages has a large veteran community, and VA financing is often the strongest option for those eligible. More on reverse mortgages in The Villages Two situations come up again and again here. The first is a buyer moving down from a northern state who wants to keep more of the sale proceeds invested rather than tied up in the villa. The second is a long-time resident on a fixed income whose home has appreciated and whose expenses have not stayed still. How a HECM works is set out on the programs page; what matters locally is that the bond and amenity fee continue either way, HUD-approved counseling happens before anything is signed, and the balance grows over time at the expense of what heirs inherit. Adult children are welcome at that meeting, and are often the ones who ask the sharpest questions. ## Programs that come up most - VA - Fixed-rate conventional - Jumbo - Reverse mortgage - Seller-paid buydowns - Refinance - Cash-out refinance - HELOC ## Wendy Hartman Branch Manager / Mortgage Loan Originator NMLS #204385 (720) 456-5020 Text Wendy Apply now Email Mount Dora Branch Company NMLS #58160 Equal Housing Lender ## Nearby communities - Lady Lake - Wildwood - Fruitland Park - Summerfield - Leesburg - Oxford - Belleview - Bushnell All service areas → ## The Villages questions Does the bond affect how much home I can qualify for? Yes. Annual bond payments collected with property taxes and the monthly amenity fee both count in the housing expense. Some buyers negotiate for the seller to pay the bond off, or choose homes where it is already paid — both scenarios can be run side by side. Can you handle an out-of-state purchase? Routinely. Everything can be done by phone, text and secure portal, with documents e-signed and closing arranged around travel. Can a reverse mortgage be used to buy in The Villages? Eligible homeowners 62 and older can use a HECM for Purchase, combining a down payment from a prior sale with reverse-mortgage proceeds. HUD-approved counseling is required first. Do I have to use the builder's lender? No. Financing with the lender of your choice is always an option, and comparing the builder's offer side by side is worth the time. ## Buying or refinancing in The Villages? Send the listing and Wendy will price it with the bond and the amenity fee included, so the monthly figure is the one you will actually pay. Call or text (720) 456-5020 Send a question --- ## Apopka, FL Home Loans & Pre-Approval | Hartford Funding URL: https://wendythemortgagequeen.com/service-areas/apopka-fl/ Summary: Buying in Apopka, FL? Hartford Funding's Mount Dora branch helps first-time and new-construction buyers get pre-approved and compare the builder's lender. Home loans · Apopka, FL ## Apopka, FL Home Loans & Pre-Approval New communities keep rising along the Wekiva Parkway and Kelly Park Road. A pre-approval in hand before touring models is what keeps the incentive conversation on your terms. Orange County Northwest of Orlando at US 441, SR 429 and SR 414 ZIPs 32703 & 32712 Established neighbourhoods, Wekiwa Springs, and the Kelly Park growth area ~20 minutes From the Mount Dora branch via the Wekiva Parkway ## What matters here - New construction. Builders market their in-house lenders hard, but using them is never required. A side-by-side comparison shows whether an incentive or buydown actually beats a price reduction. - First-time buyers. FHA, low down payment conventional, VA and Florida assistance programs all come up regularly in this market. - Build timelines. Completion dates move. Pre-approvals are kept current and rate-lock strategy planned around the realistic delivery date. - Resale homes. Errol Estates, Rock Springs Ridge and older Apopka neighbourhoods raise roof-age, HOA and occasionally septic questions worth settling before going under contract. More on comparing a builder's lender Builder incentives can be worth money, but they are usually tied to using the preferred lender, and the value can be offset by a higher rate or added fees. A fair comparison puts both offers on the same loan amount and the same day, then weighs total cost over the period you expect to keep the loan, not just the monthly payment. Bring the builder's written estimate and it gets broken down line by line. ## Programs that come up most - First-time buyer - FHA - Low down payment - Seller-paid buydowns - Fixed-rate conventional - VA - Construction - Refinance ## Wendy Hartman Branch Manager / Mortgage Loan Originator NMLS #204385 (720) 456-5020 Text Wendy Apply now Email Mount Dora Branch Company NMLS #58160 Equal Housing Lender ## Nearby communities - Zellwood - Plymouth - Ocoee - Winter Garden - Altamonte Springs - Longwood - Sorrento - Mount Dora All service areas → ## Apopka questions Should I use the builder's preferred lender? Compare first. Incentives can be genuine, but are sometimes tied to a higher rate or fees that erase the benefit. Send the builder's estimate and a side-by-side comes back within a day — including when their deal is the better one. How early should I get pre-approved for new construction? Before touring models. It sets a realistic price range and gives leverage on incentives. For homes delivering months out, the file is refreshed and the rate lock planned around the true completion date. Is Apopka good for first-time buyers? It is one of the most active first-purchase markets in Central Florida, with newer inventory across a range of price points. Assistance programs often apply when funded. Can we meet in Apopka? The Mount Dora branch is about twenty minutes away via the Wekiva Parkway, and most of the process can be handled remotely if that is easier. ## Buying or refinancing in Apopka? Bring the builder's written estimate. A side-by-side comes back within a day, including an honest answer when their offer wins. Call or text (720) 456-5020 Send a question --- ## Sumterville, FL Home Loans & Rural Financing | Hartford Funding URL: https://wendythemortgagequeen.com/service-areas/sumterville-fl/ Summary: Home loans in Sumterville and rural Sumter County, FL: USDA eligibility by address, acreage, well and septic, construction and VA options. Home loans · Sumterville, FL ## Sumterville, FL Home Loans for Homes, Acreage & Rural Property Along US 301 between Bushnell and Wildwood, minutes from I-75 — close to everything and genuinely rural. Rural property raises financing questions that catch out-of-area lenders. Sumter County Unincorporated, between Bushnell and Wildwood Rural by design Acreage, larger lots, well and septic, room to build ~45 minutes From the Mount Dora branch; Sumter County is regular territory ## What matters here - USDA eligibility. Many Sumter County addresses fall in USDA-eligible areas, which can mean no-down-payment financing within household income limits. Eligibility is decided address by address and can change — it takes minutes to check. - Acreage. Underwriters weigh how much value sits in the land versus the home, whether there is agricultural use, and whether comparable sales exist. - Well, septic and outbuildings. Rural appraisals routinely require well-water tests and septic evaluations, and barns or workshops are valued differently than living space. - Building instead of buying. When the right house does not exist, a construction loan finances the build with a permanent mortgage at completion. More on financing acreage and manufactured homes Conventional, FHA, VA and USDA loans can all finance homes on larger parcels, each with its own rules about land value, agricultural use and comparable sales. Modular homes built to local code are financed much like site-built homes. Manufactured homes carry additional requirements around age, permanent foundation and whether the title has been retired — details that determine which programs are available at all. Sharing the listing early means the right program is matched before an inspection is ordered. ## Programs that come up most - USDA Rural Development - VA - Construction - Fixed-rate conventional - FHA - First-time buyer - Cash-out refinance - Renovation ## Wendy Hartman Branch Manager / Mortgage Loan Originator NMLS #204385 (720) 456-5020 Text Wendy Apply now Email Mount Dora Branch Company NMLS #58160 Equal Housing Lender ## Nearby communities - Bushnell - Wildwood - Webster - Center Hill - Coleman - Lake Panasoffkee - The Villages - Leesburg All service areas → ## Sumterville questions Is Sumterville eligible for a USDA loan? Much of rural Sumter County falls in eligible areas, though it is determined by exact address and household income and can change as maps are updated. Send the address and it can be checked in minutes. Can a home with acreage be financed? Yes. Conventional, FHA, VA and USDA loans all finance homes on larger parcels within each program's rules on land value, agricultural use and comparable sales. Are manufactured or modular homes financed? Modular homes built to local code are treated much like site-built homes. Manufactured homes have additional requirements around age, foundation and title. What about well and septic? Standard for rural Sumter County. Lender requirements may include a well-water test and septic inspection, and some programs set minimum distances between them. ## Buying or refinancing in Sumterville? Send the address first. USDA eligibility, well and septic requirements and acreage rules all get checked before you order an inspection. Call or text (720) 456-5020 Send a question --- ## Licensing & Disclosures | Hartford Funding Mount Dora URL: https://wendythemortgagequeen.com/disclosures/ Summary: Licensing for Wendy Hartman (NMLS #204385) and Hartford Funding, Ltd. (NMLS #58160), Equal Housing Lender notice, complaint process and text-message policy. ## Licensing & Disclosures Who we are, how to verify our licensing, and the regulatory notices that apply to this website. Last updated 2026-10-08 ## The loan originator Wendy Ann Hartman ("Wendy Hartman") is a licensed Mortgage Loan Originator, NMLS #204385 , and Branch Manager of the Mount Dora branch of Hartford Funding, Ltd., located at 440 Royellou Ln, Ste 101, Mount Dora, FL 32757. Her licensing and complete, current list of state licenses can be verified free of charge on NMLS Consumer Access . "The Mortgage Queen" is a nickname used on social media. All mortgage lending activity is conducted under the licensed names and NMLS identifiers shown here. ## The lender Hartford Funding, Ltd. , Company NMLS #58160 . Corporate office: 100 Crossways Park Drive West, Suite 302, Woodbury, NY 11797. Toll-free (833) 238-2280 · (516) 595-7600 · info@hartfordfunding.com . Hartford Funding, Ltd. is a residential mortgage lender founded in 1983, licensed in 30 states and Washington, D.C., and a HUD-approved Non-Supervised Lender, Lender ID #34502-09992. Its Florida license and every other state license are listed on NMLS Consumer Access under Company NMLS #58160 . State-specific disclosures, including notices required in Texas and Illinois, are published on Hartford Funding's Licensing and Disclosures page . Hartford Funding, Ltd. is a mortgage lender . The loan closes with Hartford Funding, Ltd., subject to its underwriting guidelines. ## Not a commitment to lend Nothing on this website is a credit decision, a commitment to lend, an offer of credit, a rate lock or an advertisement of specific loan terms. This site intentionally publishes no interest rates, annual percentage rates, payment amounts, down payment percentages or loan terms; those depend on credit, income, assets, debts, the property, the loan program and market conditions at the time of application, and are quoted personally. All loans are subject to credit and property approval. Not all applicants will qualify. Program descriptions on this site are general summaries; eligibility criteria, mortgage insurance requirements, fees, guidelines and availability change without notice. ## Government agency disclosure Hartford Funding, Ltd. is not affiliated with or acting on behalf of the U.S. Department of Housing and Urban Development (HUD), the Federal Housing Administration (FHA), the U.S. Department of Veterans Affairs (VA), the U.S. Department of Agriculture (USDA) or any other agency of the federal government. This website and its contents are not approved or endorsed by any government agency. Florida Hometown Heroes and other assistance programs mentioned on this site are administered by Florida Housing Finance Corporation or local agencies; Hartford Funding, Ltd. is a participating lender, not the program administrator. ## Equal Housing Lender · Equal Credit Opportunity Hartford Funding, Ltd. is an Equal Housing Lender and does business in accordance with the federal Fair Housing Act and the Equal Credit Opportunity Act, treating all applicants and borrowers fairly and consistently, without regard to race, color, religion, national origin, age (provided the applicant has legal capacity to enter into a binding contract), sex, marital status, disability, familial status, receipt of income from any public assistance program, or the good-faith exercise of any right under the federal Consumer Credit Protection Act (15 U.S.C. §§ 1601 et seq.). The federal agency that administers compliance with this law concerning this lender is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580. ## Consumer complaints Please raise any complaint with the branch first: (720) 456-5020 or whartman@hartfordfunding.com . Hartford Funding, Ltd. also maintains a formal complaint process and a Consumer Complaint Manager. Complaints may be submitted through Hartford Funding's Contact Us page ; by calling toll-free (833) 238-2280 ; by email to info@hartfordfunding.com ; or by mail to Consumer Complaint Manager, Hartford Funding, Ltd., 100 Crossways Park Drive West, Suite 302, Woodbury, NY 11797. Consumers residing more than 50 miles from Hartford Funding's corporate office may call collect at (516) 595-7600. Florida consumers may also contact the Florida Office of Financial Regulation, Division of Consumer Finance, 200 East Gaines Street, Tallahassee, FL 32399, (850) 487-9687, flofr.gov . ## Communications & text-message policy Providing a phone number is a request to be contacted, and authorises Hartford Funding, Ltd. and Wendy Hartman to respond by phone or email about the inquiry. Text messages are sent only with consent: - Informational texts — about an inquiry or application, such as follow-up questions, document requests, appointment reminders and status updates. Message frequency varies. - Marketing texts (optional) — such as market updates, educational content, available loan programs and company announcements. Message frequency varies. Message and data rates may apply. Reply STOP to any text to opt out, or HELP for help. Consent to marketing messages is never a condition of obtaining a loan or any product or service. Mobile information is not shared with third parties for their marketing purposes. Hartford Funding's full policy is at hartfordfunding.com/communications-policy . ## Procedures for opening a new account To help the government fight the funding of terrorism and money-laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account, including by applying for a loan. A loan application therefore requires your name, address, date of birth and other identifying information, and may require sight of a driver's license or other identifying documents. ## About this website This website represents the Mount Dora branch of Hartford Funding, Ltd. and its Branch Manager, Wendy Hartman. It is provided for general information and is not the official corporate website of Hartford Funding, Ltd., which is hartfordfunding.com . Content here is educational and general in nature and is not personalized financial, tax, legal or investment advice; please consult your own advisors. Links to Hartford Funding's application portal, corporate pages and third-party sites (including Google, Instagram, Facebook and LinkedIn) are provided for convenience and carry their own terms and privacy policies. See also the Privacy Policy , Terms of Use and Accessibility Statement . --- ## Privacy Policy | Hartford Funding Mount Dora Branch URL: https://wendythemortgagequeen.com/privacy-policy/ Summary: How this website handles what you share: what the contact form collects, where it goes, cookies, text-message consent and your choices. ## Privacy Policy What this website collects, where it goes, and the choices you have. In short: only what you type into the contact form, and it is never sold. Last updated 2026-10-08 · Applies to wendythemortgagequeen.com only. Loan applications are governed by Hartford Funding, Ltd.'s own privacy notices (see below). ## What we collect The contact form collects what you choose to provide: name, email address, phone number (optional), the area and type of transaction you are considering, your timeline, your message, and whether you consented to text messages. The form deliberately does not ask for Social Security numbers, dates of birth, account numbers or income figures, and none of those should be sent through any web form or by email. A secure upload link is provided when verification is required. Calls, texts and emails sent directly to the branch are received along with the phone number or email address they came from. ## Where it goes Form submissions are delivered to Wendy Hartman at her Hartford Funding, Ltd. email address. Where a form-delivery service transmits the message, that service processes it on our behalf under its own terms and does not use it for its own purposes. Submissions are not stored on this website. If a loan inquiry or application proceeds, information provided is shared with Hartford Funding, Ltd. and, as needed to originate and close a loan, with credit reporting agencies, appraisers, title and settlement companies, insurers and other parties to the transaction. ## Requests your browser makes Every page loads the Poppins typeface from Google Fonts, and the Contact page embeds a Google Map of the branch. Those requests disclose your IP address and the page you were on to Google, as any third-party resource would. The "Apply" and "Request a Quote" buttons leave this site for Hartford Funding's application portal at whartman.hartfordfunding.com, which has its own privacy policy . Links to Instagram, Facebook, LinkedIn and Google are governed by those companies' policies. ## Cookies and analytics This website sets no cookies of its own and runs no advertising pixels. The embedded Google Map may set cookies within its frame under Google's policy. Should website analytics be enabled in future, this policy will be updated to say so, and any analytics will be configured to anonymize IP addresses. ## How information is used To respond to your question, evaluate which loan programs may fit, and contact you about your inquiry. Where text-message consent was given, to send the informational and, if separately chosen, marketing messages described in the Communications Policy . Personal information is not sold, and is not shared with unrelated third parties for their own marketing. Mobile information is never shared with third parties or affiliates for marketing or promotional purposes. ## Stopping contact Consent to marketing contact is never a condition of obtaining any product or service. Reply STOP to any text message to end texts. To stop calls or emails, contact the branch at (720) 456-5020 or whartman@hartfordfunding.com . Message and data rates may apply. ## Retention Inquiry records are kept only as long as reasonably needed to respond and to meet Hartford Funding, Ltd.'s record-retention obligations, then deleted. Records connected to a loan application are retained for the periods required by federal and Florida mortgage regulations. ## Your requests To ask what information is held about you, to correct it, or to request its deletion (subject to legal retention requirements), email whartman@hartfordfunding.com or call (720) 456-5020 . ## If you apply for a loan Hartford Funding, Ltd. is a financial institution under the Gramm-Leach-Bliley Act. This page describes this website only. A loan application triggers delivery of Hartford Funding's privacy notice, which explains what non-public personal information is collected, with whom it is shared, and what choices exist. That notice and Hartford Funding's online privacy policy govern the loan relationship. ## Children This site is not directed at anyone under 18, and information from children is not knowingly collected. ## Changes Any change to this policy will be posted here with an updated date. --- ## Terms of Use | Hartford Funding Mount Dora Branch URL: https://wendythemortgagequeen.com/terms-of-use/ Summary: Terms of use for this branch website: informational content only, no offer of credit, third-party links and governing law. ## Terms of Use The ground rules for using this website. Last updated 2026-10-08 ## Who operates this site This website is operated by the Mount Dora branch of Hartford Funding, Ltd., Company NMLS #58160, under Branch Manager Wendy Hartman, Mortgage Loan Originator, NMLS #204385. Using the site constitutes acceptance of these terms. ## Informational purposes only Content on this site is general information about mortgage lending and about the services of this branch. It is not an offer or commitment to lend, not a credit decision, not a rate quote and not personalized financial, legal, tax or investment advice. Loan approval and terms depend on individual circumstances and are subject to Hartford Funding, Ltd.'s underwriting guidelines and applicable law. Program information may change without notice and may not be complete or current when read. ## Applications Loan inquiries and applications are made through Hartford Funding, Ltd.'s application portal at whartman.hartfordfunding.com or directly with the branch, not through this website. The contact form is a contact form, not a loan application, and submitting it does not create a lending relationship. ## Intellectual property Text and layout on this site belong to Hartford Funding, Ltd. or are used with permission. The Hartford Funding name and logo are the property of Hartford Funding, Ltd.. Pages may be viewed, printed or shared for personal, non-commercial use; other use requires permission. ## Third-party links Links to hartfordfunding.com, the application portal, Google, Instagram, Facebook, LinkedIn, NMLS Consumer Access and other third-party sites are provided for convenience. Those sites are not controlled by this branch, which is not responsible for their content or practices. ## No warranties; limitation of liability The site is provided "as is." Reasonable efforts are made to keep it accurate, but it is not warranted to be error-free, complete or uninterrupted. To the fullest extent permitted by law, Hartford Funding, Ltd. and Wendy Hartman are not liable for any damages arising from use of, or inability to use, this site. ## Governing law These terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles. ## Changes These terms may be updated from time to time; the current version is always posted here. ## Contact Questions about these terms: whartman@hartfordfunding.com or (720) 456-5020 . See also Licensing & Disclosures , the Privacy Policy and Hartford Funding's own Terms of Use . --- ## Accessibility Statement | Hartford Funding Mount Dora URL: https://wendythemortgagequeen.com/accessibility/ Summary: This website is built to WCAG 2.1 AA. How it supports assistive technology and how to reach the branch if you encounter a barrier. ## Accessibility Statement This site should be usable by everyone, including people who rely on screen readers, keyboard navigation, magnification or other assistive technology. Last updated 2026-10-08 ## Our commitment This website is built to align with the Web Content Accessibility Guidelines (WCAG) 2.1 at Level AA. It uses semantic HTML and landmarks, exactly one top-level heading per page, visible keyboard focus, text contrast meeting AA ratios in every colour combination used, layouts that reflow without horizontal scrolling down to small phone widths, labels on every form control, and it honours the operating system's reduced-motion preference. Images that convey information carry text alternatives; decorative graphics are hidden from assistive technology. ## Third-party content The application portal at whartman.hartfordfunding.com, the embedded Google Map, and linked social networks are operated by third parties. Hartford Funding, Ltd. publishes its own ADA Accessibility Statement covering hartfordfunding.com and its portal. ## If you encounter a barrier Accessibility is an ongoing obligation rather than a finished project. If any part of this site is difficult to use, or information from it is needed in another format, call (720) 456-5020 or email whartman@hartfordfunding.com . Naming the page and what you were trying to do lets us help directly — by phone, by email or in person at the Mount Dora office — and fix the underlying problem. --- ## Footer (every page) Wendy Hartman , Mortgage Loan Originator, NMLS #204385 . Branch Manager, Hartford Funding, Ltd. — Mount Dora branch, 440 Royellou Ln, Ste 101, Mount Dora, FL 32757. Hartford Funding, Ltd., Company NMLS #58160 , 100 Crossways Park Drive West, Suite 302, Woodbury, NY 11797 · Toll-free (833) 238-2280. For licensing information, go to NMLS Consumer Access (www.nmlsconsumeraccess.org). Hartford Funding, Ltd. is a mortgage lender and is not affiliated with or acting on behalf of HUD, FHA, VA, USDA or any agency of the federal government. Hartford is a HUD-approved Non-Supervised Lender, Lender ID #34502-09992. Nothing on this website is a credit decision or a commitment to lend. All loans are subject to credit and property approval; not all applicants will qualify. Programs, guidelines and availability are subject to change without notice. This site does not advertise interest rates or loan terms — for a personalized quote, please contact Wendy. Equal Housing Lender. Hartford Funding, Ltd. is committed to treating all applicants and borrowers fairly and consistently, without regard to race, color, religion, national origin, age (provided the applicant has legal capacity to contract), sex, marital status, disability, familial status, receipt of public assistance, or the good-faith exercise of rights under the Consumer Credit Protection Act. This is the personal website of Wendy Hartman; the official corporate website is hartfordfunding.com . See our Licensing & Disclosures .