Gainesville, FL
Buy your first Gainesville, FL home with confidence.
FHA, down-payment-assistance, and first-time-buyer programs that fit Gainesville budgets. We walk you through every step.
Inside the Gainesville mortgage market.
The University of Florida anchors a recession-resistant base of university and UF Health employees; the dual driver of a major research university and a flagship academic medical center sustains demand independent of any single industry cycle.
That market shapes the loan. In Alachua County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Gainesville purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and first-time-buyer options on the table. Limits per FHFA 2026; verify your scenario with us.
We work Gainesville from the ground up — close to Ben Hill Griffin Stadium (The Swamp). We finance homes across Duckpond Historic District, Southeast Historic District, Pleasant Street, and University Area — and every other corner of Gainesville. Looking for a mortgage broker near you in Gainesville? We serve the area by phone and online, so you get a local-market broker without driving to an office.
What you get with a local broker.
Gainesville market knowledge
Near Ben Hill Griffin Stadium (The Swamp), across Duckpond Historic District, Southeast Historic District, Pleasant Street — we know Gainesville's neighborhoods, prices, and the programs that fit them.
First-time & assistance
Gainesville buyers often start with FHA, first-time-buyer, down-payment-assistance — we match you to the down-payment and first-time programs you qualify for.
Lenders shopped for you
As a broker we shop many lenders for your Gainesville file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your Gainesville loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Gainesville, your loan is handled personally by owner Esther Buede — a licensed mortgage expert (individual NMLS #2003644) who has guided California families to the closing table since 2005. Not a call center, not a rotating cast — one expert who knows your file and your market. Meet the family behind CHM →
“Closed in 8 days. I never knew a home refinance could happen so quickly and painlessly!”
Built around your Gainesville home, not a shelf product.
For Gainesville we lean on FHA, first-time-buyer, down-payment-assistance through our licensed partner-broker network — but whatever fits, we shop it: FHA, conventional, VA, and non-QM. Start when you’re ready: buying, refinancing, or just exploring — apply here or call (949) 522-7310.
Close to Gainesville, we also help buyers in Ocala, Palm Coast, Jacksonville. See all Florida cities we serve →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Gainesville, FL buyers through licensed partner brokers. Equal Housing Opportunity. We serve this area; we do not maintain a Gainesville office.
Gainesville mortgage questions, answered.
What's the 2026 conforming loan limit in Gainesville?
In Alachua County, the 2026 conforming loan limit is $832,750 for a single-family home, the national baseline. Limits per FHFA 2026; verify your scenario with us.
What loans help first-time buyers in Gainesville?
FHA loans, down-payment-assistance, and first-time-buyer programs are common paths in Gainesville. We match you to the ones you qualify for.
Which Gainesville neighborhoods do you serve?
We serve buyers across Gainesville, including Duckpond Historic District, Southeast Historic District, Pleasant Street. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Can Choice Home Mortgage help me buy in Gainesville, FL?
Yes. We help Gainesville homebuyers through licensed partner brokers. Choice Home Mortgage is licensed in California (NMLS #2629064); we coordinate FL financing for you.
Do you serve areas near Gainesville?
Yes — we also work with buyers in nearby Ocala, Palm Coast, Jacksonville. Same process, local loan-limit details for each.
Let's finance your Gainesville home.
No call center — just Esther. We'll find the program that fits your Gainesville purchase and do the lender legwork.