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Looking for a fha loan specialist in Gainesville? Review the directory below to compare your options.
17 agents listed
Updated May 2026
Gainesville, FL
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Florida before hiring.
Showing 17 fha loan specialists in Gainesville, FL
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
7520 W University Ave Suite B1, Gainesville, FL 32607
3525052722
Hometown Mortgage Services LLC
5618 NW 43rd St Suite B, Gainesville, FL 32653
3522221135
Anthony Cerrud at CrossCountry Mortgage
2441 NW 43rd St Suite 1B, Gainesville, FL 32606
7867211825
OneMain Financial
1112 NW 76th Blvd, Gainesville, FL 32606
3523314776
My Nice Mortgage
240 NW 76 Dr D, Gainesville, FL 32607
3522220417
Evergreen Home Loans Gainesville NMLS 2776794
1449 SW 74th Dr Office 242, Gainesville, FL 32607
3524480522
Coker Mortgage Group
4110 NW 37th Pl STE C, Gainesville, FL 32606
9045561906
Patriot Lending Group, LLC
4915 NW 43rd St, Gainesville, FL 32606
3523632882
Elite Mortgage Team
2835 NW 41 St STE 210, Gainesville, FL 32606
3527721318
Byron Zonin at CrossCountry Mortgage (NMLS #728812)
2441 NW 43rd St Suite 1B, Gainesville, FL 32606
4432775386
An FHA loan specialist in Gainesville Florida can guide you through the process of obtaining a mortgage insured by the Federal Housing Administration. Florida law requires all mortgage loan originators to be licensed through the Florida Office of Financial Regulation. These specialists help buyers with lower credit scores or smaller down payments qualify for home financing in Alachua County.
What Does a FHA Loan Specialist in Gainesville Cost?
Typical costs for FHA loan specialist services in Florida include an upfront mortgage insurance premium (UFMIP) of 1.75% of the loan amount and an annual mortgage insurance premium (MIP) ranging from 0.45% to 1.05% depending on loan terms. Closing costs in Gainesville generally range from 2% to 5% of the purchase price. These costs can vary based on your credit score loan amount and lender fees. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does an FHA loan specialist in Gainesville do?
An FHA loan specialist helps you understand FHA loan requirements, pre-qualify for a mortgage, and submit your application. They also explain Florida-specific rules such as property flood insurance requirements in Alachua County. Their goal is to guide you through the entire loan process from application to closing.
What are the FHA loan limits for Gainesville Florida?
For 2024 the FHA loan limit for a single-family home in Alachua County is $498,257. This limit applies to most areas in Gainesville. Higher limits may apply for duplexes triplexes or four-unit properties. Your FHA loan specialist can confirm the exact limit for your specific property type.
Do I need a special license to work with an FHA loan specialist in Florida?
Yes. All FHA loan specialists in Florida must hold a valid mortgage loan originator license issued by the Florida Office of Financial Regulation. This license requires passing a background check and completing pre-licensing education. You can verify a specialist license on the Nationwide Multistate Licensing System website.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Florida.