"Ernie is very reliable and very knowledgeable, and has been great to work with. Highly recommend Alligator Mortgage." - Andrew D

"Thanks Richard for all your help! You made my house purchasing process go smoothly!" – Janelle

Alligator Mortgage Company is a small business with just a few employees.  Most all of our business is from referrals; some from Realtors and most from prior customers.  We are not a large company where you get lost as just another loan.  We end up being friends with many of our customers after the deal has closed.

"I will be recommending you to everyone I know. I am enjoying my new home!" – Jennifer

We strive to make the process as smooth and simple as possibly.  We want to set the expectations up front and let you know what items will be needed.   Do all loans go perfectly and close on time?  No, they don't.  There are a variety of reasons why loans don't close on time.  They can range from a Realtor not putting the correct closing date on the offer, to the seller taking a long time to accept the offer, to the seller not knowing which company will handle the closing, to there being repairs needed or inspection issues on the house, to slow appraisers, to the buyer not responding timely. Sometimes we have to go to a slower wholesale lender because of the buyers situation.

"You enabled us to finance our dream home. We will absolutely send anyone we can your way. Thanks again!" – Chris 

The most important thing is for you to control what you can control and that is to communicate with us from day #1 of any potential issues or concerns.  Hiding things is not good.  Let us know so we can work around them.  Not letting us know that you have not filed taxes for a couple of years could kill the loan, but if you would tell us up front we could change the loan program or lender to get around it.  And by the way we will ask you for a list of documents and then after you provide them we likely will ask for more things based on what you have provided.  And after the loan is approved you will be asked for more items.  Again, just relax and communicate with your loan officer if there are any issues getting the documents so that we can find an alternative solution.

Here are some more testimonials:

"Thank you for your hard work! I was most impressed with you during this whole, long daunting stupid process. I am happy with the end result. Thank you for helping helping make my dreams come true! I have most certainly passed on your name already, and I won't hesitate to do it in the future!" – Ashley

"Everything went well & we are enjoying our house. Thank you for all your help." – Tameka & Brian

 "I'm doing well...still unpacking and adjusting to the house. I appreciate all the hard work that you did in order for me to purchase the home and I will refer customers to you." – Deborah


Getting started is easy. We offer very competitive rates, have great service, and always close on time.


Ernie English
NMLS #280696
Alligator Mortgage
NMLS #710933

Equal Housing Lender

Contact Us

Alligator Mortgage Company
2630-C3 NW 41st Street
Gainesville, FL 32606

(352) 264-0011

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