best mortgage rates in Gainesville

Welcome to Gainesville mortgage company Alligator Mortgage Company!

The Alligator Mortgage Company Team is your premier mortgage team located in Gainesville, Florida. We pride ourselves on offering some of the best mortgage rates in Gainesville and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Gainesville area. Our mission is to counsel with the customer to understand their needs and then provide them with the best mortgage terms.

Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of mortgage brokers here can help you take that first step toward a financial solution.

Richard Tillett founded Alligator Mortgage in 2000. We are proud to be one of the very few Gainesville mortgage companies to weather the economic downturn of 2008-2012. Senior Loan Officer Ernie English has worked for Alligator Mortgage since 2003, which is an exceptionally long time in the mortgage industry. Lisa Hyden joined Alligator Mortgage in 2014 and works primarily out of her home office in Old Town. Although we are based in Gainesville in Alachua County, we are licensed to do mortgages throughout the State of Florida.

We offer the best mortgage rates in Gainesville and the surrounding area, including:

  • Conventional Home Loans
  • FHA Home Loans
  • RHS Home Loans
  • VA Loans
  • Home Improvement Loans- purchase and refinance
  • Non-QM loans

It is our job to counsel with you to determine which loan program is right for you. We will go over down payment options and interest rates and total payments for each loan so that you choose the best loan for you.

Why are Alligator Mortgage Company interest rates generally lower than the competition? Borrowers and Realtors ask us this all the time. Our rates are oftentimes lower than local banks and local mortgage lenders and the Internet Lenders too. But, let’s be real. They are not going to be a whole point or more lower. Everyone gets money from the same big pool. But banks have many bricks and mortar buildings so lots of overhead. And Mortgage Lenders are oftentimes like a franchise and so they have their home office expenses to cover. Alligator Mortgage is one of the few independent Mortgage Brokerage Businesses. Richard Tillett owns Alligator Mortgage. There is no head office skimming 10% of the income off the top or charging a $995 underwriting fee. Our overhead is low. The wholesale lenders that underwrite our loans don’t have lots of retail branches to pay for and so together we are able to provide better interest rates and lower closing costs to our borrowers.