Local Pros · Gainesville
Local Mortgage Brokers in Gainesville, FL
Locally owned and operated mortgage brokers serving Gainesville and the surrounding area. Supporting local businesses means faster response and accountability.
As of July 2026, RatingsNearMe ranks 13 mortgage brokers in Gainesville, FL by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is The Mortgage Firm Gainesville with a 5.0-star rating from 154 Google reviews and an RNM Score of 86/100. 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 July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Hometown Mortgage Services LLC
Hometown Mortgage Services LLC is locally operated and consistently recognized for personalized service and competitive rates in the Gainesville area.
Most Reviewed
Byron Zonin at CrossCountry Mortgage (NMLS #728812)
Byron Zonin, as part of a national lender, likely attracts a high volume of client feedback, making him a reliable option for borrowers seeking proven, widely reviewed service.
When choosing a mortgage broker in Gainesville, compare local expertise (like Hometown Mortgage) with the extensive resources of national lenders (like CrossCountry Mortgage) to find the best fit for your specific needs, and always verify NMLS credentials and recent reviews.
Local Market Snapshot
13
Businesses listed
4.9★
Avg rating
43
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
A top-rated Gainesville mortgage broker with a perfect 5.0 star rating from 154 reviews.
5216 SW 91st Terrace Suite A-105 & A-106, Gainesville, FL 32608, USAGainesville mortgage broker with a flawless 5.0-star rating from 51 reviews.
12921 SW 1st Rd Suite 119, Newberry, FL 32669, USA5.0-star rating from 50 Google reviews in Gainesville, FL.
4100 NW 37th Pl, Gainesville, FL 32606, USAMortgage 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 | Evergreen Home Loans Gainesville NMLS 27767941449 SW 74th Dr Office 242, Gainesville, FL 32607, USA | 5.0★ | 16 |
| #5 | Valorie Cason - Ameris Bank Mortgage4510 NW 6th Pl Floor 2, Gainesville, FL 32607, USA | 5.0★ | 15 |
| #6 | Byron Zonin at CrossCountry Mortgage (NMLS #728812)2441 NW 43rd St Suite 1B, Gainesville, FL 32606, USA | 5.0★ | 1 |
| #7 | Acrisure Mortgage, LLC7520 W University Ave Suite B1, Gainesville, FL 32607, USA | 4.6★ | 47 |
| #8 | Hometown Mortgage Services LLC5618 NW 43rd St Suite B, Gainesville, FL 32653, USA | 4.9★ | 44 |
| #9 | Amerifirst Home Mortgage - Gainesville4432 NW 23rd Ave suite 3, Gainesville, FL 32606, USA | 4.7★ | 53 |
| #10 | Fillyaw Mortgage Team1405 NW 13th St suite b, Gainesville, FL 32601, USA | 4.9★ | 53 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Gainesville
5.0 stars from 16 reviews, reflecting exceptional client satisfaction.
1449 SW 74th Dr Office 242, Gainesville, FL 32607, USA
Exceptional 5.0-star rating from 15 reviews in Gainesville, FL.
4510 NW 6th Pl Floor 2, Gainesville, FL 32607, USA
Rated 5.0 stars from a handful of Google reviews in Gainesville.
2441 NW 43rd St Suite 1B, Gainesville, FL 32606, USA
Trusted by locals with a 4.6-star rating from 47 reviews.
7520 W University Ave Suite B1, Gainesville, FL 32607, USA
Gainesville mortgage broker with a 4.9-star rating from 44 reviews.
5618 NW 43rd St Suite B, Gainesville, FL 32653, USA
Known for a strong 4.7-star rating from over 50 Google reviews in Gainesville.
4432 NW 23rd Ave suite 3, Gainesville, FL 32606, USA
Rated 4.9 stars from 53 Google reviews, known for exceptional client service.
1405 NW 13th St suite b, Gainesville, FL 32601, USA
Consistently earns 5.0 stars from nearly 40 local reviews in Gainesville.
2441 NW 43rd St Suite 1B, Gainesville, FL 32606, USA
Top-rated Gainesville mortgage broker with perfect 5.0 stars from 36 reviews.
6216 NW 43rd St #3A, Gainesville, FL 32653, USA
A trusted Gainesville mortgage broker with a perfect 5.0-star rating from clients.
4915 NW 43rd St, Gainesville, FL 32606, USA
Get Free Quotes
We'll connect you with the top mortgage brokers in Gainesville, FL.
Mortgage Brokers in Gainesville, FL — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | The Mortgage Firm Gainesville | 86/100 | 5.0 ★ | 154 |
| 2 | Mike Jones - Ameris Bank Mortgage | 80/100 | 5.0 ★ | 51 |
| 3 | Misty Barnett | SouthState Mortgage | 80/100 | 5.0 ★ | 50 |
| 4 | Evergreen Home Loans Gainesville NMLS 2776794 | 74/100 | 5.0 ★ | 16 |
| 5 | Valorie Cason - Ameris Bank Mortgage | 73/100 | 5.0 ★ | 15 |
| 6 | Byron Zonin at CrossCountry Mortgage (NMLS #728812) | 62/100 | 5.0 ★ | 1 |
| 7 | Acrisure Mortgage, LLC | 73/100 | 4.6 ★ | 47 |
| 8 | Hometown Mortgage Services LLC | 77/100 | 4.9 ★ | 44 |
| 9 | Amerifirst Home Mortgage - Gainesville | 75/100 | 4.7 ★ | 53 |
| 10 | Fillyaw Mortgage Team | 78/100 | 4.9 ★ | 53 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
Get your business on AI — ChatGPT, Perplexity & Google AI
AI assistants increasingly recommend local mortgage brokers straight from RatingsNearMe. Claim your spot in Gainesville to get featured in AI answers, comparison tables, and “best near me” results — where customers are actually searching now.
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.
Mortgage Brokers in Nearby Cities
Compare top-rated mortgage brokers in cities near you.
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: July 4, 2026.
More Home Services in Gainesville
Related Searches
More ways to find mortgage brokers in Gainesville
Mortgage Brokers in nearby cities