Mortgage Broker in Gainesville, FL — Alachua County
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
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.
Frequently Asked Questions
What are the 2026 loan limits in Alachua County, FL?+
The 2026 conforming loan limit in Alachua County is $806,500. The FHA limit is —. 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.