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Mortgage Brokers in Gainesville, FL — Free Estimates
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As of May 2026, RatingsNearMe ranks 13 mortgage brokers in Gainesville, FL by verified customer ratings and review volume. The highest-rated is The Mortgage Firm Gainesville with a 5.0-star rating from 154 verified reviews. Also in the top tier: Mike Jones - Ameris Bank Mortgage and Misty Barnett | SouthState Mortgage. The average rating across all listed mortgage brokers in Gainesville is 4.9 stars from 43 reviews per business on average.
Mortgage brokers in Gainesville: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
13
Businesses listed
4.9★
Avg rating
43
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
The Mortgage Firm Gainesville
5216 SW 91st Terrace Suite A-105 & A-106, Gainesville, FL 32608, USA
Mike Jones - Ameris Bank Mortgage
12921 SW 1st Rd Suite 119, Newberry, FL 32669, USA
Misty Barnett | SouthState Mortgage
4100 NW 37th Pl, Gainesville, FL 32606, USA
Mortgage Brokers Rankings in Gainesville, FL
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | The Mortgage Firm Gainesville5216 SW 91st Terrace Suite A-105 & A-106, Gainesville, FL 32608, USA | 5.0★ | 154 |
| #2 | Mike Jones - Ameris Bank Mortgage12921 SW 1st Rd Suite 119, Newberry, FL 32669, USA | 5.0★ | 51 |
| #3 | Misty Barnett | SouthState Mortgage4100 NW 37th Pl, Gainesville, FL 32606, USA | 5.0★ | 50 |
| #4 | Hometown Mortgage Services LLC5618 NW 43rd St Suite B, Gainesville, FL 32653, USA | 4.9★ | 44 |
| #5 | Acrisure Mortgage, LLC7520 W University Ave Suite B1, Gainesville, FL 32607, USA | 4.6★ | 47 |
| #6 | Evergreen Home Loans Gainesville NMLS 27767941449 SW 74th Dr Office 242, Gainesville, FL 32607, USA | 5.0★ | 16 |
| #7 | Anthony Cerrud at CrossCountry Mortgage2441 NW 43rd St Suite 1B, Gainesville, FL 32606, USA | 5.0★ | 39 |
| #8 | Fillyaw Mortgage Team1405 NW 13th St suite b, Gainesville, FL 32601, USA | 4.9★ | 53 |
| #9 | Amerifirst Home Mortgage - Gainesville4432 NW 23rd Ave suite 3, Gainesville, FL 32606, USA | 4.7★ | 53 |
| #10 | Patriot Lending Group, LLC4915 NW 43rd St, Gainesville, FL 32606, USA | 5.0★ | 4 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Gainesville
Hometown Mortgage Services LLC
5618 NW 43rd St Suite B, Gainesville, FL 32653, USA
Acrisure Mortgage, LLC
7520 W University Ave Suite B1, Gainesville, FL 32607, USA
Evergreen Home Loans Gainesville NMLS 2776794
1449 SW 74th Dr Office 242, Gainesville, FL 32607, USA
Anthony Cerrud at CrossCountry Mortgage
2441 NW 43rd St Suite 1B, Gainesville, FL 32606, USA
Fillyaw Mortgage Team
1405 NW 13th St suite b, Gainesville, FL 32601, USA
Amerifirst Home Mortgage - Gainesville
4432 NW 23rd Ave suite 3, Gainesville, FL 32606, USA
Patriot Lending Group, LLC
4915 NW 43rd St, Gainesville, FL 32606, USA
Valorie Cason - Ameris Bank Mortgage
4510 NW 6th Pl Floor 2, Gainesville, FL 32607, USA
The Brock Team - North Central Florida - Florida Homes Realty and Mortgage LLC
6216 NW 43rd St #3A, Gainesville, FL 32653, USA
Byron Zonin at CrossCountry Mortgage (NMLS #728812)
2441 NW 43rd St Suite 1B, Gainesville, FL 32606, USA
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Frequently Asked Questions — Mortgage Brokers in Gainesville
What does a mortgage broker do differently than going directly to a bank in Gainesville?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in Gainesville?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in FL?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: May 17, 2026.
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