Gainesville Mortgage Brokers | Mortgage Brokers Gainesville | Mortgage Broker
The Lowest rates and fee Gainesville mortgage brokers in Gainesville FL.
EquiFund Mortgage rates are 1% less than most banks and brokers without points and buy downs.
EquiFund Mortgage has served Gainesville area homeowners and buyers for over 22 years. We guarantee our clients get the lowest interest rate and fee mortgage loan in our marketplace.
See real loan offers in 3 minutes using EquiFund's Online Lowest Interest Rate & Fee loan finder.
This video will explain how this can help you.
EquiFund Mortgage Qualifications:
- Serving Gainesville FL for over 22 years
- 5 Star Google Reviews from our clients
- A+ Rated Better Business Bureau
- Offers The Lowest Interest Rate & Fee Guarantee
- Licensed NMLS # 1070755
- 30 year Fixed Rates 1% lower than most banks
*For more details read review below
No credit pulls, spam calls or emails. Just stupid low rates.
Get 1% off 30 year fixed rates for online loan offers.
Rates 1% lower than most with Equifund's Online Mortgage Rate Finder.
EquiFund's automated mortgage app only takes 3 minutes to find the lowest mortgage rate and fee loan in our market.
The mortgage app will compute every possible loan option with all of our lenders. The mortgage app will identify the lowest Gainesville mortgage rate loans from all of the loan option results and display all mortgage rate information and loan details like: annual percentage rate, monthly principal and interest payment, property taxes, mortgage insurance and closing cost.
Using our automated 3 minute mortgage app, we are able to avoid paying costly loan originator commissions, and give you that savings in the form of the lowest rates and fees guarantee in our market.
This mortgage app uses automation that eliminates the high cost of loan originators compensation. The conveniences online mortgage offers are: lowest interest rate and fee guarantee, mathematical accuracy, increased loan savings.
No credit pulls, spam calls or emails. Just stupid low rates.
Get 1% off 30 year fixed rates for online loan offers.
What are the fees EquiFund Mortgage brokers charge?
EquiFund Mortgage does not charge any fees. The lender with the lowest interest rate and fees agrees to pay us to originate, process, underwrite and fund your loan request within 30 days.
- No Origination Fees
- No Underwriting Fees
- No Processing Fees
- No Mortgage Broker Fees
Questions to consider when hiring a Gainesville Mortgage Brokers
Your home is one of your largest investment and the mortgage is your largest debt. Therefore, selecting the wrong broker could create a significant financial loss by not capturing the best deal in market for you.
EquiFund's mortgage brokerage provides a simple to use, online mortgage app that will identify the lowest rate and fee mortgage loan for you, guaranteed.
What Fees do traditional Brokers charge in Gainesville Florida?
Gainesville FL brokers normally charge an average of 2% to 2.75% of the loan amount as a mortgage broker fee. This broker fee covers the cost of loan origination, processing and completing your loan request. The average Gainesville FL mortgage broker fees are summarized below.
- 2-2.75% Mortgage Broker Fee
- Underwriting Fees $750-$1,000
- Processing Fees $550-$900
What could happen if I choose the wrong Brokers?
If you choose the wrong broker you could risk not capturing the lowest interest rate and fee mortgage loan in our market. The financial loss of not getting the best loan in the market is equal to $ 32,040 on average. EquiFund's mortgage app guarantees to identify the best mortgage deal in our marketplace in 3 minutes.
Brokers who do not have automation lack the ability to calculate and compare every possible loan option to identify the best loan for you.
If the Broker does not have years of experience and strong work ethic the closing of your loan can be delayed and cause a lot of stress.
Important factors to consider when hiring a brokers.
- Do they fully understand underwriting guidelines?
- Do they over submit unnecessary documents causing prolonged underwriting?
- Do they know which mortgage lender has the best rates and lowest cost?
- Do they overlook critical questions up front that cause major delays later?
The value of finding the right mortgage broker, is as important as finding the right highly skilled attorney.
We understand that both time and money are the two most sought after assets we seek in our lifetime.
This is a list of important questions to ask when selecting a Gainesville FL Mortgage Brokers.
- How many years have they been in business?
- How many years of experience does the Loan Originator have?
- What process do they have for to insure they have the lowest rate mortgage lenders?
- Do they use any automation to reduce man hours?
- Do they pay costly commissions to their Loan Originators?
- What does their reviews and ratings say?
- Do they offer online mortgage rate checks to compare rates?
Identify Lowest Rate Loans – and do it all online. You can get real, customized Loan Offers matched to your profile.
See Lowest Lender Rates
Why should I use EquiFund for my Gainesville mortgage?
EquiFund Mortgage Brokers in Gainesville has helped over 50,000 homeowners since 1998 with home loans for purchasing homes and mortgage refinancing.
EquiFund puts the clients needs first. We have a perfect track record for the last 22 years.
Please read full review at the Better Business Bureau rated A+ and our verified 5 Star rating with Google Reviews.
EquiFund is 100% committed to providing our customers with the lowest interest rate and fee Gainesville mortgage home loans and on time stress free loan closings.
We are Gainesville's only automated mortgage company.
Why is EquiFund considered the best mortgage brokers in Gainesville FL?
EquiFund uses automation that compares 100's of home loan options through National lenders to capture the lowest rate and fee loan for you.
Using EquiFund's mortgage app, we are able to lower our labor cost by 70%. This labor cost savings is passed back to you.
EquiFund's goal is to lower the cost of home loans to zero. With automation and your help, we will get there,
EquiFund has the only lowest interest rate fee mortgage loan guarantee in Gainesville, FL. for your purchase or home refinance.
Understanding that traditional mortgage brokers have the ability to give their clients a really good loan, does not mean that they always do. Finding the right broker for your Gainesville mortgage is a very important decision.
Who are the lenders EquiFund use?
EquiFund Mortgage Lenders in our Network
- Freedom Mortgage
- HomePoint Financial
- Penny Mac Mortgage
- Change Lending
- Plaza Home Mortgage and more
We also monitor lenders mortgage lenders offering a wide range of programs for home purchase and home refinance, that allow us to approve more home loans with mortgage rates that are better than else where.
In order to provide our Gainesville FL clients the absolute lowest interest rate fee mortgage loan guarantee we constantly review 100's of mortgage companies and lenders daily rate sheets, and select the lowest best priced mortgage lenders to use in our automated online rate finder.
What are the credit and loan products offered at EquiFund have?
EquiFund offers conventional loans, FHA, VA, USDA, Jumbo and more. Please see the complete list below.
We offer all loan programs. The loan products offered are listed below.
- No Credit Score FHA & VA Mortgage Refinance
- FHA and VA Mortgage Loans with 550 credit scores
- Self Employed Limited Income Documentation
- Self Employed Bank Statement Programs
- VA 100% Mortgage Financing
- Investor No Income No Asset Loans
- Conventional home loans
- Jumbo home loans
What is the mortgage loan process used at EquiFund Mortgage?
To initiate your home loan inquiry, you can either call us directly and talk with one of our experienced licensed mortgage loan originators or you can use the online mortgage app to identify the lowest interest rates for your home loan in Gainesville. In short, a brief loan process flow is listed below:
- Make Initial Loan Inquiry Online or over the phone
- Review loan options and loan terms
- Identify the loan terms that meet your objective
- Select your loan option, and gather required documents
- E-Sign Initial Mortgage Loan Disclosures
- Submit your required mortgage loan documents
- Work with your assigned loan originator to clear conditions
- Review your Closing Disclosure to verify fees and terms
- Schedule and attend mortgage closings
How to get pre approved for a Gainesville mortgage loan?
If you would like to get pre approved for a mortgage you can use our online mortgage app. This mortgage app will return immediate loan option results. You can learn more about getting pre-approved for a Gainesville Mortgage Loan by reading our article on how to get pre approved.
Broker vs. Lender Facts?
Can mortgage brokers close loans as fast as mortgage lenders in Gainesville?
Yes. Mortgage Brokers have the ability to move the business to the lowest rate fee lender that has the fastest underwriting to close time. Most mortgage lenders have application to closing times of approximately 45-60 days. A good mortgage broker can close a mortgage loan in less than 30 days.
Do lenders have lower interest rates then mortgage brokers in Gainesville Florida?
No. Mortgage brokers are provided lower than average interest rates. Our interest rates are wholesale rates. Wholesale interest rates are lower than the lenders retail interest rates.
Gainesville Mortgage Lenders have higher interest rates then mortgage brokers.
Just like travel agents that price airline tickets for several airlines to get clients the lowest fares, mortgage brokers receive lower interest rates that what the same mortgage company would offer you if you called them directly.
No credit pulls, spam calls or emails. Just stupid low rates.
Get 1% off 30 year fixed rates for online loan offers.
Do mortgage brokers always pass the interest rate savings over to the client?
No some mortgage brokers will not pass the rate savings back to the client. Sometimes brokers will use the lower interest rate the lender provides to make additional profits.
Does EquiFund Mortgage Broker in Gainesville Florida pass the rate savings to the client?
Yes, EquiFund passes the saving in interest rate back to their customers. We are able to pass this interest rate savings back to the customer because we have spent years developing an automated mortgage app that reduces man hours and simplifies the lending process.
Should I use a mortgage broker or mortgage lender?
Use a qualified mortgage broker. Brokers can compare lenders rates and fees, and search for the best loan products for you.
Using an automated broker will deliver the best results.
Mortgage brokers have the ability to get more home loans approved because they use multiple mortgage lenders underwriting guidelines.
The process of shopping for your best home loan can be a bit difficult and we understand that. Knowing the added value and peace of mind that you need whether you are purchasing a home or refinancing your home is so important. For any Florida mortgage needs, consider EquiFund as a reliable source for financing.
At EquiFund we place the highest demands upon ourselves to provide you with the lowest interest rates and fees and a very fast and painless loan closing process in a very timely manner. We hope this article was insightful for you.
Please feel free to use our online apply now, to verify your eligibility and see for yourself why EquiFund Mortgage Brokers in Gainesville FL is a verified 5 Star Google Reviewed company.
Identify Lowest Rate Loans – and do it all online. You can get real, customized Loan Offers matched to your profile.
See Lowest Lender Rates
Are you looking for more information on the Gainesville area and mortgage lending links?
Gainesville is home to one of the top Universities in the US, University of Florida that host a world class football team, the Gators. University of Florida is a well known college that provides an exception law, engineering and medicine curriculum.
Gainesville is a city that has something for everyone. There are plenty of parks and outdoor activities like kayaking or canoeing on the Santa Fe River, fishing on Lake Wauberg or biking along the Hawthorne Trail. There are seven state parks within a thirty mile radius of Gainesville. The Florida Museum of Natural History is worthy of a visit to learn more about the rich history of Gainesville.
These links provided below will give you some exceptional information on Gainesville area attractions, parks, City services and mortgage lending regulations, Federal Government Insured Programs like FHA, VA and USDA. We have also included a link to the Consumer Financial Protection Bureau which serves as a regulatory catch all for any consumer concerns and educational needs that relate to mortgage lending and consumer finance.
- Gainesville City Hall : Gainesville FL City Hall has a large list of resources available to explore. You will find Gainesville FL recreational information like Gainesville Parks and Recreation, activities, Programs and Events, Business Resources, and so much more to explore.
- Mortgage Lending Resources: This sites can guide you with different eligible mortgage loan programs backed by our Federal government. U.S. Department of Housing and Urban Development HUD.gov Homebuyers Know your Rights, Federal Housing Administration FHA.gov, Veterans Administration VA.gov
- Mortgage Lending Compliance: This site is intended to provide assistance with any concerns you may have with financial service providers. They are also a great source of educating consumers on important financial decisions you may make Consumer Financial Protection Bureau
