How much house can you afford in Gainesville? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
Updated · current rates and lending limits
Add your partner's income if you're buying together.
Car loans, credit cards, lines of credit, student loans. Not rent.
Enter your yearly household income.
Savings and gifts from family count. Many first-time buyer loans need just 3% down; under 20% you pay mortgage insurance.
7.40% (Freddie Mac 30-year average, October 2026). Change it if you've been quoted a rate.
Enter your down payment.
| After | Paid in total | Still owed |
|---|
Advisors Mortgage Group - Gainesville, FL
5.0 · 362 reviews · Free pre-approval
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Chris Doering Mortgage
4.9 · 268 reviews · Free pre-approval
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Landmark Mortgage Planners Gainesville
4.9 · 265 reviews · Free pre-approval
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An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
Advisors Mortgage Group offers personalized mortgage guidance with a focus on clear communication and reliability. Their team assists clients through loan applications and approvals, often praised for making the process smooth and approachable. Customers appreciate the consistent updates, though some note the experience depends on individual agents.
With over a decade of experience, Chris Doering Mortgage focuses on a personal approach, guiding first-time buyers, veterans, and homeowners through various loan options including VA, FHA, and conventional loans. The team is known for clear communication and responsiveness, though some clients note the process can feel lengthy in a challenging market.
All loan originators at Landmark Mortgage Planners hold Certified Mortgage Planning Specialist (CMPS) credentials, bringing advanced expertise to help clients align home loans with their investment goals. They offer a broad range of mortgage programs, including purchase and refinance options, and are praised for clear communication and smooth transactions throughout the process.
The Mortgage Firm Gainesville focuses on clear, ongoing communication to guide clients through the home buying process. Their team assists with mortgage applications and keeps customers informed at every step. While the process can still have ups and downs, clients appreciate the patient support and smooth coordination throughout.
With over 25 years of experience, Alligator Mortgage Company specializes in financing manufactured homes with land and offers rapid closings often within 16 to 21 days. The team provides a range of loan options, including FHA, VA, and Non-QM loans, and is known for clear communication and personalized service that helps clients navigate the mortgage process smoothly.
Known for personalized support throughout the home loan process, Hometown Mortgage Services LLC helps clients navigate mortgage applications with care and responsiveness. The team focuses on guiding borrowers step-by-step, answering questions promptly and smoothing out challenges along the way. Some customers note the process can be lengthy, but appreciate the consistent communication.
Known for clear communication and a straightforward approach, Acrisure Mortgage, LLC helps clients navigate complex mortgage needs, including unique property and land use situations. The team offers mortgage financing with a focus on making the process understandable and less stressful, though some customers note loans may be transferred to other lenders after closing.
CrossCountry Mortgage specializes in a wide range of home financing options, including conventional, FHA, VA, and jumbo loans, with a focus on first-time buyers and refinancing. The team combines advanced technology with personalized guidance, helping clients navigate the mortgage process smoothly, though some may find the experience varies by loan officer.
Evergreen Home Loans Gainesville NMLS 2776794 focuses on guiding clients smoothly through the home loan process with clear communication and attention to detail. The team handles everything from initial questions to closing, aiming to keep borrowers informed and comfortable. Customers appreciate their responsiveness and thoroughness throughout the experience.
Known for making the mortgage process easy to understand, Korry Humphrey Mortgage Broker offers a variety of loan programs and personalized guidance. The team is responsive and communicative, helping clients navigate buying or refinancing with clear explanations. Some clients note that closing times can vary depending on external factors.
Lenders made 2,803 home-purchase loans in Alachua County in 2025 (average about $355,000) and denied 688 — 20% of decided applications, compared with 17% across Florida, according to federal mortgage data (HMDA, CFPB). In Gainesville, the median home is worth $247,500 and 57% of owners have a mortgage, paying a median $1,599 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Alachua County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Advisors Mortgage Group - Gainesville, FL | 5.0 | 362 | Quoted per loan | — | Visit |
| 2 | Chris Doering Mortgage | 4.9 | 268 | Quoted per loan | (352) 244-0840 | Visit |
| 3 | Landmark Mortgage Planners Gainesville | 4.9 | 265 | Quoted per loan | (352) 505-5040 | Visit |
| 4 | The Mortgage Firm Gainesville | 5.0 | 154 | — | (352) 500-1000 | — |
| 5 | Alligator Mortgage Company | 5.0 | 85 | $200 | (352) 264-0011 | Visit |
| 6 | Hometown Mortgage Services LLC | 4.9 | 52 | Quoted per loan | (352) 222-1135 | Visit |
| 7 | Acrisure Mortgage, LLC | 4.6 | 54 | — | (352) 505-2722 | Visit |
| 8 | Anthony Cerrud at CrossCountry Mortgage | 5.0 | 41 | — | (786) 721-1825 | Visit |
| 9 | Evergreen Home Loans Gainesville NMLS 2776794 | 5.0 | 29 | — | (352) 448-0522 | Visit |
| 10 | Korry Humphrey Mortgage Broker | 5.0 | 12 | Quoted per loan | (919) 260-2237 | Visit |
Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.
An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.
General information, not financial advice — consult a qualified professional.