We’d love to discuss our wide range of mortgage solutions with you! Give us a call today at (352) 264-0011 or Apply Online Now to get started click the red apply button in the top right of your screen.

There’s no doubt—getting a mortgage is a complex process. If it were as easy as filling out a form and getting approved in one day, you wouldn’t be here looking for information. That’s where Alligator Mortgage Company comes in! We handle the heavy lifting, so you can focus on your life instead of the mortgage process.

Here’s a step-by-step guide to what you can expect:

A few factors influence how much you can borrow:

Use the mortgage calculators on our website to estimate your ideal monthly payment. After answering a few questions, we’ll guide you to the best loan amount and program based on lender guidelines.

This is where Alligator Mortgage Company starts saving you money. We’ll collect details about your employment, assets, and residence history, and we’ll review your credit score. Once we analyze your financial profile, we’ll provide a pre-qualification or preapproval letter—a key tool that allows your REALTOR® to negotiate the best deal on your behalf. While you search for your perfect home, we’ll be working behind the scenes to secure the best loan for your needs.

Once your offer is accepted, it’s time to officially apply for your loan. You can start the application process online through our website. You will send in the docs that are needed by underwriting. Order inspections in the time allotted by contract. Don’t forget a survey will be needed by the title company which you can see, if seller has one that can be used. Finally, we’ll also order an appraisal to confirm the value of your new home.

A title or escrow company will facilitate the closing process. We’ll coordinate with them to ensure all required documents are in place. When it’s time to finalize everything, you’ll sign the necessary paperwork—usually at the title company’s office.

While we handle the logistics, you can focus on the exciting parts of homeownership—like planning your move, choosing paint colors, and making your new house feel like home!

You’ve answered a few questions, provided some documents, and now you’re just steps away from homeownership! Alligator Mortgage Company takes care of the details so you don’t have to—because mortgages are our business, not yours.

Have questions? We’re here to help!

Call us at (352) 264-0011—we answer mortgage questions every day!