Alligator Mortgage Company

About Alligator Mortgage

Alligator Mortgage Company has been a trusted mortgage expert serving Florida for over 25 years, combining experience with innovation to help families achieve homeownership. They pride themselves on being a results-driven mortgage partner, delivering competitive rates and personalized service that surpasses banks, credit unions, and call centers. Unlike larger institutions, Alligator Mortgage offers direct access to real mortgage professionals who provide prompt communication and reliable preapprovals, ensuring a confident and timely closing. They specialize in a wide range of loans, including FHA, VA, and loans for manufactured homes, and are committed to moving clients to the closing table quickly, often within 16 to 21 days. Their mission is to make the homeownership dream a reality by providing straightforward answers, smart options, and aggressive follow-through, even for those whose banks have said no.

Why Choose Us

Alligator Mortgage Company boasts a proven track record with 5-star reviews spanning 25 years, demonstrating their consistent commitment to client satisfaction. They offer competitive rates and unbeatable one-on-one service, setting them apart from larger financial institutions. Their expertise is highlighted by their ability to close loans rapidly, often within 16 to 21 days, a testament to their efficient processes. They are licensed mortgage professionals, with Ernie English holding NMLS #280696 and the company itself holding NMLS #710933. This licensing and extensive experience provide a strong foundation of trust and credibility for their clients.

Alligator Mortgage Offers

Alligator Mortgage Company provides a comprehensive suite of mortgage solutions tailored to meet diverse client needs across Florida. They specialize in financing single-family homes, condos, townhomes, and manufactured homes (mobile homes) with land, including singlewide, doublewide, triplewide, and quadwide models. Their aggressive loan options include Conventional & FHA, VA & USDA, and Non-QM loans such as those based on bank statements, P&L, asset depletion, or no ratio/no income requirements. They offer specialized programs like Down Payment Assistance in Gainesville, FL, and the Alachua County SHIP Program. Additionally, they provide resources for FHA loan requirements in Florida and assist with jumbo home loans. Their commitment extends to helping first-time homebuyers, seasoned investors, and those looking to refinance, ensuring a smooth and efficient process from application to closing.

Unique Advantages

Alligator Mortgage Company distinguishes itself through its rapid closing times, often achieving closings in 16 to 21 days, significantly faster than industry averages. They specialize in financing manufactured homes with land, a niche service not commonly offered by other lenders. Furthermore, they actively work with clients whom traditional banks have rejected, demonstrating a commitment to finding solutions where others cannot. Their extensive experience, spanning over 25 years, and their focus on personalized, one-on-one service ensure a superior client experience.