(954) 394-1959

Gainesville Mortgage Broker - Expert Home Financing in Alachua County

As an experienced mortgage loan officer serving Gainesville and Alachua County, I specialize in south florida mortgage broker for local homebuyers. Whether you're considering homes in Haile Plantation, Downtown, Duckpond, or other Gainesville neighborhoods, our loan programs are tailored to the local market.

Why Choose South Florida in Gainesville?

Gainesville's real estate market in Alachua County offers unique opportunities for homebuyers. With a median home price of $$310,000, our south florida mortgage broker programs help make homeownership accessible.

  1. Local expertise in {city} and {county} real estate market - expertise in {city} and {county} real estate market
  2. Access to 150+ lenders for best rates and terms - to 150+ lenders for best rates and terms
  3. Personalized service from experienced loan officer - service from experienced loan officer
  4. 23+ years helping Florida homebuyers - years helping Florida homebuyers
  5. Specializing in complex loans (self-employed, jumbo, investment) - in complex loans (self-employed, jumbo, investment)
  6. Same-day pre-approvals available - pre-approvals available
Whether you're looking in popular Gainesville neighborhoods like Haile Plantation, Downtown, Duckpond, our team has the local expertise to guide you through the south florida mortgage broker process.

South Florida Requirements in Gainesville

Understanding eligibility requirements helps Gainesville homebuyers prepare for success. Here's what you need to qualify in Alachua County:

| Requirement | Details | |-------------|---------| | Varies | Eligibility varies by loan program selected | | Service Area | {city}, {county}, and surrounding areas | | All Programs | FHA, VA, Conventional, Jumbo, Investment, Self-Employed | | Credit Range | 580-800+ depending on loan type |

These requirements apply to Gainesville and throughout Alachua County. Your individual situation may qualify for exceptions or special programs.

Required Documents for Gainesville Homebuyers

When applying for south florida mortgage broker in Gainesville, you'll need to provide:

  1. Documents vary by loan program
  2. Standard: Tax returns, pay stubs, bank statements
  3. FHA: Lower down payment, flexible credit
  4. VA: COE required for veterans
  5. Jumbo: Extensive asset documentation
  6. Self-Employed: Bank statements or business docs
We help Gainesville and Alachua County borrowers gather and organize all necessary documentation efficiently.

Gainesville South Loan Timeline

Here's what to expect when getting south florida mortgage broker in Gainesville:

| Stage | Timeline | |-------|----------| | Consultation | Same day | | Pre Approval | 24-48 hours | | Closing | 30-60 days (varies by loan type) |

Timeline may vary for Gainesville properties based on market conditions in Alachua County. We work efficiently to meet your deadlines.

Current South Rates in Gainesville

Typical Rate Range: Varies by loan program

Rates depend on loan type, credit score, down payment, and market conditions. Contact for personalized rate quote.

Gainesville homebuyers should contact us for current rates specific to their situation in Alachua County. Rates change daily based on market conditions.

Gainesville Real Estate Market Insights

Market Overview: - Median Home Price: $$310,000 - County: Alachua County - Population: 141,085 - Popular Neighborhoods: Haile Plantation, Downtown, Duckpond, University Heights Market Characteristics: University of Florida drives rental market. Affordable housing and strong investment property demand.

Our local expertise in Gainesville and Alachua County helps you navigate the market and secure the best south florida mortgage broker terms for your situation.

NMLS & Licensing Information

Louis Doherty NMLS #60093 | Edge Home Finance Corporation NMLS #891464

Licensed mortgage loan officer serving Gainesville, Alachua County, and all of Florida. Equal Housing Opportunity Lender.

All loans subject to underwriting approval. Rates, fees, and programs subject to change. This is not a commitment to lend.

Ready to Get Started with South Florida in Gainesville?

Contact Louis Doherty today for expert mortgage guidance in Alachua County.

Call (954) 394-1959 Apply Online Calculate Payment

Frequently Asked Questions About South Florida mortgage broker in Gainesville

A local Gainesville mortgage broker understands the Alachua County real estate market, has relationships with local appraisers and title companies, and provides personalized service. We've served Gainesville for 23+ years.

We offer all major loan programs in Gainesville: FHA loans, VA loans, conventional loans, jumbo loans, investment property financing, self-employed programs, and refinancing options throughout Alachua County.

As a Gainesville mortgage broker, we have access to 150+ lenders vs. one bank's products. This means better rates, more programs, and personalized service for Alachua County homebuyers.

We offer free consultations and pre-approvals for Gainesville homebuyers. Lender compensation is built into your rate, similar to banks. We're required to disclose all fees at application.

Most Gainesville homebuyers receive pre-approval within 24-48 hours. We offer same-day service when needed for competitive Alachua County real estate markets.

We serve all of Alachua County including Gainesville and surrounding communities. Licensed in Florida and 6 other states, with expertise in South Florida real estate markets.

Related Resources

About New Home Purchases Refinancing Mortgage Calculator More Gainesville Mortgage Options All Florida Cities