Mortgage broker in Gainesville, FL — FHA, USDA, conventional, and physician loans.
Gainesville is home to the University of Florida and UF Health, creating a strong academic, healthcare, and research economy. The combination of university faculty, medical professionals, and a growing professional services sector drives a diverse mortgage market. Strong USDA eligibility exists in surrounding Alachua County.
Top Loan Programs in Gainesville
Conventional and FHA are most active. USDA loans available in eligible Alachua County areas outside the city limits. Physician loan programs relevant for UF Health medical professionals.
Compare loan options
Side-by-side breakdowns for the programs Gainesville buyers weigh most often.
- FHA vs. Conventional →Down payment, credit, and mortgage insurance trade-offs.
- VA vs. FHA →Two low-down-payment options — which one costs less.
Buying in Gainesville from Out of State?
We're licensed in both Colorado and Florida — one broker, both states. Most of our Florida clients close fully remotely with e-sign and mobile notary. No office visit required.
Popular Gainesville Neighborhoods
Haile Plantation, Duck Pond, Millhopper, Tower Road corridor, Jonesville, Newberry
Frequently Asked Questions
What are the 2026 loan limits in Alachua County, FL?+
The 2026 conforming loan limit in Alachua County is $832,750. The FHA limit is $541,287. VA loans have no county loan limit for borrowers with full entitlement. Loans above the conforming limit require jumbo financing.
What down payment do I need to buy in Gainesville, FL?+
Down payment requirements depend on the loan: 0% for VA and USDA (where eligible), 3.5% for FHA, 3–5% for conventional first-time buyers, 10–20% for jumbo loans, and 20–25% for DSCR investor loans.
Can I get a mortgage in Gainesville if I live in Colorado?+
Yes — Tayton Capital is licensed in both Colorado and Florida. We close fully remote using e-sign and mobile notary at closing. Most out-of-state buyers never need to visit our office.
Does Tayton Capital do DSCR loans in Gainesville?+
Yes. DSCR loans qualify based on the property's rental income — not your W-2 or tax returns. They're available for single-family, condos, and 2–4 unit properties in Gainesville with a minimum 20–25% down payment.
Ready to buy in Gainesville?
Get pre-approved in minutes — we'll follow up the same day with loan options tailored to Alachua County.