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Review Keywords Analysis

  1. United States
  2. Best Mortgage Brokers
  3. Mortgage Brokers in Florida
  4. Gainesville
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
Step 1 of 3

Mortgage Affordability Calculator Gainesville, FL

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.

Property tax are for this state.

An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.

Top-rated mortgage brokers in Gainesville

Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →

1

Advisors Mortgage Group - Gainesville, FL

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.

Services & Prices
Pre-Approval Services Quoted per loan
View Profile
Open 8:30 AM - 5:00 PM
220 NW 76 Dr Ste b, Gainesville, FL 32607
General Services
Mortgage Services
2

Chris Doering Mortgage

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.

Services & Prices
Home Purchase Loan Quoted per loan
Refinancing Quoted per loan
VA Loans Quoted per loan
Loan Pre-Approval Quoted per loan
View Profile
(352) 244-0840
Open 9:00 AM - 5:00 PM
3940 NW 16th Blvd A, Gainesville, FL 32605
General Services
Mortgage Financing
3

Landmark Mortgage Planners Gainesville

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.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Loans Quoted per loan
VA Loans Quoted per loan
View Profile
(352) 505-5040
Open 8:30 AM - 5:30 PM
2790 NW 43rd St Ste 200, Gainesville, FL 32606
General Services
Mortgage Lending
4

The Mortgage Firm Gainesville

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.

View Profile
(352) 500-1000
Open 9:00 AM - 6:00 PM
5216 SW 91st Terrace Ste A-105 & A-106, Gainesville, FL 32608
5

Alligator Mortgage Company

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.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
VA Loans Quoted per loan
Title Searches $200 - $500
View Profile
(352) 264-0011
Open 9AM - 6PM
2630-C3 NW 41 St, Gainesville, FL 32606
General Services
Mortgage Services
Where they are 10 on the map Click a pin for the profile and directions
6

Hometown Mortgage Services LLC

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.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
View Profile
(352) 222-1135
Open 9:00 AM - 6:00 PM
5618 NW 43rd St Ste B, Gainesville, FL 32653
General Services
Mortgage Services
7

Acrisure Mortgage, LLC

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.

View Profile
(352) 505-2722
Open 8AM - 5PM
7550 W University Ave Ste C, Gainesville, FL 32607
8

Anthony Cerrud at CrossCountry Mortgage

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.

View Profile
(786) 721-1825
Open 8:30 AM - 5:00 PM
2441 NW 43rd St Ste 1B, Gainesville, FL 32606
9

Evergreen Home Loans Gainesville NMLS 2776794

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.

View Profile
(352) 448-0522
Open 9:00 AM - 5:00 PM
1449 SW 74th Dr Office 242, Gainesville, FL 32607
10

Korry Humphrey Mortgage Broker

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.

Services & Prices
Home Mortgage Quoted per loan
Refinancing Quoted per loan
View Profile
(919) 260-2237
Open 8:00 AM - 6:00 PM
3009 SW Archer Rd, Gainesville, FL 32608
General Services
Mortgage Services

Gainesville Mortgage Statistics

Home-purchase lending in Alachua County and home costs in Gainesville, FL (latest HMDA and Census data)

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).

Home-purchase loans, 2025
2,803▲ 4%2,691 in 2024
Denial rate
20%FL 17%
Median home value
$247,500FL $359,000
Monthly cost with a mortgage
$1,599median · FL $1,959
Refinance loans made (Alachua County, 2025)
986 · 968 in 2024
Home-improvement loans made (2025)
317
Average home-purchase loan
$355,000 (FL $416,000)
Owners with a mortgage
57% · 32% of them spend 30%+ of income on housing
Median household income
$46,195 (FL $74,568)

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.

Gainesville Mortgage Brokers stats: 10 businesses compared side by side · updated
# 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

How this Gainesville mortgage affordability calculator works

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.

Florida rules and numbers this calculator uses

Debt-to-income
31% for housing and 43% total, the FHA standard and the long-time Qualified Mortgage limit. Some conventional loans go higher with strong credit and savings.
Down payment
At least 3% on a conventional first-time buyer loan (3.5% on FHA). Under 20% down, private mortgage insurance of about 0.6% of the loan a year is added to the payment.
Property tax
About 0.76% of the home's value a year, the Florida average for owner-occupied homes (2024 Census ACS).
Insurance
Homeowners insurance assumed at $150 a month; it varies a lot by home and location.
Rate
Starts at 7.40% (Freddie Mac 30-year average, October 2026). Change it to the rate you have been quoted.

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.

Frequently asked questions

9 questions
How does the mortgage affordability calculator work for Gainesville?
It estimates the highest home price you can qualify for using your income, debts, down payment, and interest rate. It includes mortgage, PMI, and property tax.
What is the debt-to-income ratio for mortgages in Florida?
Lenders typically cap housing costs at 31% of gross income and total debts at 43%. Some loans allow more with strong credit.
What is the minimum down payment for a first-time home buyer in Gainesville?
Minimum down payment is 3% for conventional loans and 3.5% for FHA loans. VA and USDA loans may allow 0% down for eligible buyers.
How does PMI affect my mortgage in Florida?
For down payments under 20%, PMI adds about 0.6% of the loan per year. It can be removed once the balance is below 80% of the home's value.
How do interest rates impact mortgage affordability in Gainesville?
Higher interest rates increase monthly payments, reducing the home price you can afford. Rates change weekly; the calculator starts at 7.40%.
How do monthly debts affect how much mortgage I can get in Florida?
Higher monthly debts reduce the mortgage amount you qualify for, as lenders cap total debt payments at 43% of gross income.
What is the property tax rate in Gainesville, Florida?
The property tax rate is about 0.76% of the home's value per year, based on the 2024 average for owner-occupied homes in Florida.
What's the difference between mortgage pre-approval and pre-qualification?
Pre-approval involves lender verification of income, debts, and credit, providing a firm loan estimate. Pre-qualification is a preliminary estimate without verification.
What does a mortgage broker do in Gainesville?
A mortgage broker helps find loan options and negotiate terms with lenders, potentially improving your chances of securing a favorable mortgage.

General information, not financial advice — consult a qualified professional.