Skip to main content

Mortgage Payment Calculator

Rent vs Own Calculator

Buy a Home With Peace of Mind

We understand that home buying can be a complicated process and have the experience and expertise to help. Our goal is to help you get the home you want and empower you during the process.

Need More Information?

Need More Information

Curious about your qualifications, payment options, or just have a few questions? Give us a call, we’d love to help point you in the right direction.

Get Pre-Approved

Get Pre-Approved

Just getting started with the home buying process and need a pre-approval letter? Apply online and our team will be glad to help.

Secure a Mortgage Loan

Secure a Mortgage Loan

Found the perfect home and just need some help securing the right financing? We’re here to help you get the right mortgage for your home.

Get Started Today

Mortgage Loan Options

  • Conventional Home Loans

    For borrowers with good credit, balanced income and debt, and some down payment, conventional loans are often the least complicated and most flexible mortgage loan option for Gainesville, Ocala, and North Central Florida Home Buyers.

    Features of a conventional loan

    • Fixed-rate for the life of the loan.
    • 10, 15, 20, and 30-year terms.
    • Loan amounts up to $510,400.
    • Can finance primary, second homes, and investment properties.
    • Low down payment options available for qualified borrowers.

    Learn more about Conventional Home Loans

  • FHA Home Loans

    FHA Loans, insured by the Federal Housing Administration (FHA), are often the best option for homebuyers in Gainesville, Ocala, and North Central Florida who need a little extra flexibility when qualifying for a new home mortgage. 

    Features of an FHA loan

    • Can be used for a primary residence or second home.
    • You do not need to be a first-time home buyer.
    • Minimum of 3.5% down payment is required.

    Learn more about FHA Loans

  • VA Home Loans

    The Department of Veterans Affairs (VA) offers to finance primary residences for Veterans. As such, the VA determines eligibility and issues a certificate to qualifying applicants to submit to a mortgage lender of their choice. 

    Features of a VA loan

    • Must be a veteran, active-duty military, or member of the reserves.
    • No down payment – Up to 100% financing.
    • No monthly mortgage insurance.

    Learn more about VA Loans

  • USDA Home Loans

    The US Department of Agriculture USDA provides low down payment options to qualified borrowers, at very low-interest rates, with low mortgage insurance premiums. 

    Features of a USDA loan

    • Primary residence only.
    • 100% financing available.
    • 10, 15, 20, and 30-year terms.
    • House must be in a rural development-eligible area.

    Learn more about USDA Loans

It's easy as 1, 2, 3, 4, 5, 6

When you're ready, The Mortgage Firm North Central Florida is ready too - 24 hours a day, 7 days a week.

  1. 1

    Mortgage Pre-Approval

    It’s easy to apply. We need to check things like your credit score and employment to see what you qualify for in a home loan.

  2. 2

    House Hunting And Offer

    Once pre-approved, you're ready to find a home and make an offer. Once you have a home under contract the loan application process can begin.

  3. 3

    Mortgage Loan Application

    If your application is in order and you do qualify, you can get a pre-approval letter to show sellers you’re a serious buyer and what you can offer.

  4. 4

    Processing

    Now that you’re pre-approved for a mortgage loan, you’re ready to go house shopping and purchase the home of your dreams or keep the one you have!

  5. 5

    Underwriting

    If your application is in order and you do qualify, you can get a pre-approval letter to show sellers you’re a serious buyer and what you can offer.

  6. 6

    Close

    Now that you’re pre-approved for a mortgage loan, you’re ready to go house shopping and purchase the home of your dreams in North Central Florida or keep the one you have!

Apply Now

Home Buying Articles and Resources

Learn everything you need to know about home buying, refinancing, and general mortgage topics.


More Articles