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Now Lending in Gainesville

Gainesville home loans —
home of the Gators.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Gainesville and Alachua County. From historic homes in the Duckpond to family neighborhoods in Haile Plantation, we bring local guidance to the home of the Gators — with the ability to close in as little as 14 days* and pre-approvals often issued the same day.

North Central FL
Alachua County Coverage
14 days*
Close In As Little As
$832,750
2026 Alachua County Conforming Limit
5.0 ★
Google Review Rating
Gainesville Markets

Local lending across
every Gainesville neighborhood.

Gainesville Neighborhoods

A historic core near campus plus established family communities to the northwest.

  • The Duckpond & downtown
  • Haile Plantation
  • Northwest Gainesville
  • Near UF & Shands
A University Town

An economy anchored by the University of Florida and a major medical complex.

  • First-time & faculty financing
  • Investor & student-rental programs
  • Alachua County coverage
  • Minutes to UF & UF Health
Every Kind of Gainesville Buyer

From first homes to move-up and investor purchases.

  • First-time & move-up buyers
  • New construction & townhomes
  • VA & FHA financing
  • Investment & rental properties (DSCR)
The DuckpondHaile PlantationNW GainesvilleDowntownKanapahaTown of TiogaMile RunNorthwoodSugarfoot
Loan Programs in Gainesville

Financing for every
kind of Gainesville buyer.

FAQ

Gainesville mortgage
questions answered.

We serve homebuyers and homeowners throughout Gainesville and Alachua County, including the Duckpond, Haile Plantation, northwest Gainesville, and the areas around the University of Florida, plus nearby Newberry and Alachua.
The 2026 conforming loan limit is $832,750 in Alachua County, including Gainesville. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's higher-priced homes.
Gainesville borrowers have access to FHA, VA, conventional, jumbo, Non-QM, DSCR, commercial, private money, and second mortgage / HELOC financing — for primary residences, second homes, and investment properties.

Ready to start your Gainesville home journey?

Get pre-approved today — no cost, no obligation. Gainesville borrowers, let's get you to the closing table.