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Best Mortgage Refinance Companies in Gainesville

2023

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Website
9050 Cypress Green Dr Suite 403, Gainesville, FL 32256
  • New Construction

Why choose this provider?

Coast2Coast Mortgage delivers cash-out refinance and interest rate reduction programs to clients in Gainesville and the neighboring communities. The company offers conventional loans for clients purchasing single-family homes, warrantable condos, and planned unit developments as primary residences, secondary homes, or investment properties. It also carries foreign national loans for non-US citizens looking to buy homes in the country. In addition, Coast2Coast Mortgage helps small business owners secure a suitable property for agricultural, religious, educational, or retail use through its commercial loans.

License Verified:

License: 376205

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (106)
Facebook
4.9 / 5 (24)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2100 SE 17th St Suite 101, Ocala, FL 34471
  • New Construction
  • Reverse Mortgages

Why choose this provider?

The Ocala Mortgage Guy is a brokerage catering to the Gainesville area. It provides residential mortgage services with different loan programs for clients looking to purchase, sell, refinance, or build and improve their homes. It has cash-out and no cash-out refinance options for reducing interest rates, lowering monthly payments, shortening term lengths, and leveraging home equity for renovations and repairs. Owner Robby Gibson has more than five years of experience in mortgage loan origination and works under American Bancshares.

License Verified:

License: 1380985

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3940 NW 16th Blvd., Suite A, Gainesville, FL 32605
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Chris Doering Mortgage has been serving homebuyers in Gainesville since 2007. The company provides refinancing services for clients looking to change the terms of their current loans. It offers various loan options, including conventional, VA, USDA, FHA, and jumbo. Chris Doering, who leads the company, strives to maintain proactive involvement with both staff and clients at every step of the loan process. He is also active in the Gainesville community, giving support to charitable organizations.

License Verified:

License: 1937321

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (182)
Facebook
4.8 / 5 (26)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
809 NE 25th Ave, Ocala, FL 34470
  • Multi-Family Loans

Why choose this provider?

Allstate Mortgage of Florida responds to Gainesville homeowners who are seeking refinancing options for various needs. It offers programs for borrowers who are seeking lower monthly payments or interest rates, individuals wanting to cash out on the equity they have built, or those who need to consolidate debts. Low-cost refinancing is also available. In addition, it provides fixed-rate, adjustable-rate, FHA, VA, and private money loans. Allstate Mortgage, which is based in Ocala, offers housing loans to foreign nationals.

License Verified:

License: 362833

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
7167 SW Hwy 200, Ocala, FL 34476
  • New Construction
  • Reverse Mortgages

Why choose this provider?

My Nice Mortgage is a service provider that implements refinancing programs in the Gainesville metro. The company helps borrowers save money on refinancing programs with lower interest rates and reduced monthly payments. Its team of loan professionals advises clients regarding the costs of the application process, prevailing market rates, and obstacles in getting approval. It has been working with brokers and lenders since 2002 and is also licensed to serve residential property owners in Georgia.

License Verified:

License: 2011670

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2630-B NW 41st Street, Gainesville, FL 32606
  • New Construction

Why choose this provider?

Alligator Mortgage Company serves clients across Gainesville and the surrounding cities. It offers a variety of loan options for existing homeowners and first-time homebuyers. Its loan programs include conventional, FHA, RHS, VA, non-QM, and home improvement refinancing loans. Its team assists clients in choosing the loan option that works best with their needs and goals. As an independent mortgage brokerage, it represents multiple lenders. Alligator Mortgage Company has been serving clients for over 20 years.

License Verified:

License: 710933

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (67)
Facebook
5.0 / 5 (5)
Yelp
4.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
414 SW 140th Terrace, Newberry, FL 32669
  • New Construction

Why choose this provider?

AnnieMac Home Mortgage - Gainesville caters to locals in the metro in need of refinancing services. The team has loan products backed by the FHA, USDA, and VA and delivers conventional and jumbo mortgages for first-time homebuyers and residential property renovators. Refinancing is available to buyers who need better mortgage terms and conditions. The company gives its customers access to updates and information around the clock through its mobile app. It has several branches across the country.

License Verified:

License: 1721216

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (171)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
11130 SE 36th Ave, Belleview, FL 34420
  • New Construction

Why choose this provider?

Stress Less Mortgage provides personalized loan products and customized quotes for aspiring homeowners in Gainesville. Among its primary offerings are refinancing programs, which are designed for clients who intend to reduce their interest rate or change the terms of their mortgage. Its loan officers discuss the difference between each applicable program for first-timers or seasoned borrowers. Home purchase loans, such as jumbo, FHA, USDA, and VA, are also available. Stress Less Mortgage's owner, Eric Eckenroth, has been in the industry since 2005.

License Verified:

License: 1789928

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3669 SW 2nd Ave., Gainesville, FL 32607
  • Reverse Mortgages

Why choose this provider?

The Mortgage Firm Gainesville has been helping individuals and families in the local metro since 2017. It assists clients in the mortgage refinance process that involves getting pre-approved, gathering documents, estimating home value, underwriting, and closing. Its refinancing programs aim to lower monthly payments, shorten terms, and convert loan structures. In addition, its lending professionals offer cash-out options for borrowers looking to consolidate their debts and renovate their homes. Branch manager Brian Goldman has been in the industry for more than 15 years.

License Verified:

License: 189233

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (133)
Facebook
5.0 / 5 (15)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2210 NW 40th Terr. Suite A, Gainesville, FL 32605
  • New Construction

Why choose this provider?

Hometown Mortgage Services LLC offers Gainesville locals a range of loan options for your purchase or refinance needs. It Hometown assists homeowners who want to cash out a portion of their home equity or get a shorter-term mortgage in achieving their goals through refinancing loans. The company's loan process starts with a 15-minute discovery call, where its staff helps clients gain some clarity on their budget so that they can know their buying power. The company has licensed loan officers and is owned by Danielle Collins Wear, who carries over 20 years of mortgage expertise.

License Verified:

License: 1322441

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (18)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1552 E Fort King St., Ocala, FL 34471
  • Reverse Mortgages

Why choose this provider?

Coast 2 Coast Lending is an Ocala-based company that has been in business for more than 14 years. It delivers refinancing solutions to clients in the Gainesville metro to help them lower their interest rates and cash out their equity. It provides conventional, USDA, FHA, VA, limited cash-out, and rate-and-term refinance mortgages. The agency's employees handle loan applications from clients using industry-standard tools and technologies. One customer commended owner Keith Meredith for always being accessible and responsive to her questions by text, call, or email.

License Verified:

License: 303217

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (106)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2790 NW 43rd St, Suite 200, Gainesville, FL 32606
  • Reverse Mortgages

Why choose this provider?

Landmark Mortgage Planners provides services to individuals in Gainesville and the surrounding towns. Its mortgage planners assess numerous loan packages to determine the best that suits clients' present situations and personal short-and long-term investment goals. Its variety of mortgage options specifically designed for refinancing includes USDA, FHA, VA streamlines, conventional, jumbo, and HomeStyle Conventional Renovation Loans. Landmark Mortgage Planners is a division of American Financial Network Inc. and is a member of Business Network International.

License Verified:

License: 237341

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (135)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
673 Kingsley Avenue, Orange Park, FL 32073
  • Reverse Mortgages

Why choose this provider?

First Look Home Loans caters to residents of Gainesville who have mortgage and refinance needs. The firm has fixed mortgages ranging in period coverage from 15 to 30 years and adjustable rate options. Loans backed by the USDA and VA are available, and existing debts are rearranged based on every borrower's unique needs. First Look has been in the home financing sector for more than 18 years and operates across the entire state. It uses current comparative analysis software.

License Verified:

License: 1898199

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (74)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
534 Park Avenue, Suite 4, Orange Park, FL 32073
  • New Construction

Why choose this provider?

Julie Payton Mortgage Loan Originator provides consultancy and assistance services to Gainesville residents who are planning to refinance their homes. It offers a variety of loan programs, including FHA, VA, USDA, and investment, aiming to help borrowers lower their monthly mortgage obligations. Julie Payton has been a licensed mortgage professional for over 27 years. She aids clients in choosing the right loan programs by guiding them in assessing their financial situations and harmonizing them with their goals.

License Verified:

License: 854032

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (23)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
151 College Drive, Unit 11, Orange Park, FL 32065
  • New Construction
  • Reverse Mortgages

Why choose this provider?

Direct Choice Lending, Inc., is a mortgage business that serves the people of Gainesville and the surrounding cities. It provides refinancing options for borrowers who wish to pay off their existing loans with the aid of a new mortgage. The refinance program also allows clients to cash out from their home equity and modify their loan terms, rates, and monthly payments. The agency conduct refinancing analysis to help clients compare mortgage interest rates and terms and select the offer that matches their requirements.

License Verified:

License: 2010377

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
4.7 / 5 (7)
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Frequently Asked Questions

  • Introduction

    Refinancing a mortgage can be a complicated process, and hiring a mortgage refinancing broker can make it simpler and faster. There are several things you can do to protect your interests and help your broker complete the process for you.

    Check a potential broker’s online reviews to find one with a good reputation. In addition to the opinions of past clients, check to see if a broker has an online portfolio, which can support the reviews you find from past clients to show a broker’s trustworthiness. This can also help you establish if a broker has handled financing for properties similar to yours.

    Get a written summary of a broker’s rates before committing so you know exactly what hiring your chosen mortgage refinance broker will cost. Find out which lenders work with your broker and what information they need to successfully refinance your mortgage.

  • What is the required credit score to apply for an FHA loan in Gainesville?

    To apply for an FHA loan in Gainesville, first-time homeowners must have a credit score of 580. The FHA loan in Gainesville requires applicants to have three lines of credit history, which can include car payments, installment loans, or alternative trade lines such as rent and electric bills. Individuals with credit issues, such as bankruptcies and foreclosures, cannot obtain an FHA loan unless they can demonstrate financial hardship.

  • How do mortgage brokers verify the income requirements of those self-employed in Gainesville?

    Mortgage brokers in Gainesville require self-employed individuals to submit personal or business federal tax returns to verify the income requirements of the mortgage loans they are borrowing. They examine the self-employed's one to two-year net income history to determine whether their salary is stable. Additionally, mortgage brokers in Gainesville do not consider any income that is not reported on tax returns.

  • Where to apply for the Housing Choice Voucher Program in Gainesville?

    The Gainesville Housing Authority only accepts online applications for the Housing Choice Voucher Program through https://gainesvilleha.housingmanager.com/. For people with disabilities, contact 352-872-5500 or 352-872-5503 to schedule an appointment. However, applicants must pass the eligibility requirements of the Housing Choice Voucher Program, which include families with an annual gross income of $14,000 to $73,000, individuals who are mentally or physically challenged, and senior adults. They must also find their housing in Gainesville, whether apartments or single-family residences.

  • How long is the closing process of the USDA mortgage in Gainesville?

    The USDA mortgage closing process in Gainesville takes between 25 and 40 days. This is due to the product going through a two-step approval process that includes inspections, documentation, and appraisals and takes a few weeks to complete. The USDA Rural Development agency in Gainesville must also analyze the application for two to seven business days before issuing a final commitment; however, several factors, such as location, coordination from a mortgage lender and title agent, and volume, may affect the process.

  • Can people with a bankruptcy history apply for a mortgage in Gainesville?

    In Gainesville, the Fannie Mae Mortgage program allows individuals with a bankruptcy history, including a Chapter 7 case, to obtain the product two years after the discharge. Borrowers must be at least two years debt-free and have a credit score of 580 to 650 for a VA or FHA mortgage, while a conventional mortgage requires a score of 620 to 640. Individuals in Gainesville can also apply for mortgage modification to pay off their Chapter 13 bankruptcy debt.

  • How do you refinance a mortgage?

    Decide why you’re refinancing, such as to get a lower interest rate, pay off your loan faster, or to get a lower monthly payment. Share your credit information with your broker along with information about the equity you have in your home. Review your mortgage refinance broker’s quotes and choose the best loan terms.

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