Landmark

Mortgage Loans

Setting New Standards for Mortgage Lending

Mortgage
Planning

Buying a Home

Refinancing a Home

Reverse Mortgage

Landmark Mortgage Planners

Your Gainesville Mortgage Loan Experts

Our Gainesville mortgage loan experts are just that – experts. The average loan originator at Landmark Mortgage Planners has more than 16 years in the business. We have the experience to get the job done. All of our originators are Certified Mortgage Planning Specialists (CMPS) certified. This means we have advanced training and tools that provide a huge advantage in helping our customers find the right home loan for their overall long and short-term investment strategies. See what makes us different.

Why Choose Landmark

Knowledge & Experience

Our Gainesville mortgage loan experts have the knowledge and experience to get the job done. The average loan originator at Landmark Mortgage Planners has more than 15 years in the business. Our mortgage planners will help you choose the best home loan for your personal short and long-term investment goals. We will meet with you to evaluate your situation and arrange a plan for you to get a home loan, even if you don’t qualify today.

On-Time Approvals & Closings

At Landmark, we process our home loans right here in our Gainesville office, and have the most knowledgeable, experienced, and friendly processors in town. We are also a mortgage banker and can offer internal underwriting. Because we control both the processing and underwriting in-house we have more control over delivering on-time approvals and closings.

Great Rates

Our mortgage loan rates are extremely competitive, and we will do our best to beat any written pre-approval from another lender.

Wide Range of Mortgage Programs

At Landmark Mortgage Planners, we have almost every mortgage loan program available: Conventional, VA, FHA, Renovation Mortgages (where you can do upgrades to the house and purchase it all in one loan), Reverse (purchase your dream retirement home), and USDA, for purchases. For refinances, in addition to conventional, VA and FHA loans, we have FHA/VA Streamline and Reverse Mortgages. Browse our website to learn about the home loan programs that are available and then get in touch with one of our Gainesville mortgage loan specialists to help you find the program that is right for you.

Broker Special Circumstances Loans

Our Gainesville mortgage loan experts have the knowledge and experience to get the job done. The average loan originator at Landmark Mortgage Planners has more than 15 years in the business. Our mortgage planners will help you choose the best home loan for your personal short and long-term investment goals. We will meet with you to evaluate your situation and arrange a plan for you to get a home loan, even if you don’t qualify today.

Availability

We are frequently available to our realtor partners and clients past office hours and even on the weekends. That means you won’t miss out on a great house because you can’t get an updated pre-approval. We also value communication, and will always do our best to call you back the same business day.

Creative Solutions

Working together as a team, the staff at Landmark helps each other find solutions to our toughest cases.

Wide Range of Mortgage Loan Programs

At Landmark Mortgage Planners, we offer nearly every loan program available. Meet with one of our mortgage planners to find the best options for your financial situation and goals. We go beyond traditional mortgage services—helping you select and integrate the right loan into your overall investment strategy. Below are just a few programs we provide. Don’t see what you need? Contact us—we likely have a solution.

Purchase Mortgage Loans

Landmark Mortgage Planners has nearly every kind of loan available. Let us help you select the one that works best with your overall financial goals.

The easiest way to find the BEST mortgage loan for YOU is to talk to one of our experienced Mortgage Planners.

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Refinance Loans

In addition to all of the purchase mortgage loans that are available for refinance, we have the following loans designed specifically for refinance…

FHA Streamline Refinance

FHA Streamline Refinance is specifically for those with existing FHA mortgage loans. The great advantage is that no appraisal is required, so even if your home has not appreciated since you purchased, you can still refinance and get a lower interest rate. In addition, there are limited credit and income requirements with this program. If you have an FHA mortgage and are considering refinance, this is probably a great place to start. Learn more.
VA Streamline Refinance
HECM Reverse Mortgage

Designed for people 62 years of age and older, this loan can be used to obtain cash, do home improvements, pay off medical expenses or other debt, or pay off an existing mortgage. The big advantage of the reverse mortgage is that there is no monthly mortgage payment. There are a lot of misconceptions with reverse mortgages, so make sure you have the facts before you determine if it is for you. Learn more now.

The easiest way to find the BEST mortgage loan for YOU is to talk to one of our experienced Mortgage Planners.

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What Others Are Saying

Frequently Asked Questions

What types of mortgage loans do you offer?

We offer a wide range of loans including conventional, FHA, VA, USDA, jumbo, and adjustable-rate mortgages. We’ll help you choose the best option for your needs.

How do I know how much house I can afford?

We recommend getting pre-qualified or pre-approved to understand your budget. Our team can help you assess your income, debts, and down payment to determine a comfortable price range.

What’s the difference between pre-qualification and pre-approval?

Pre-qualification is an estimate based on basic financial details. Pre-approval is a stronger commitment, involving a credit check and document review, showing sellers you’re a serious buyer.

How much do I need for a down payment?

It depends on the loan type. Some programs allow as little as 0–3% down, while others may require 10–20%. We’ll explain your options and help you plan.

What documents will I need to apply?

Typically, you’ll need recent pay stubs, W-2s, tax returns, bank statements, and ID. If self-employed, we may request business financials as well.

How long does the mortgage process take?

On average, 30–45 days from application to closing. Timelines can vary based on the complexity of the loan and how quickly paperwork is completed.

What are closing costs and how much should I expect?

Closing costs include fees for the loan, appraisal, title, and more — typically 2–5% of the home price. We’ll provide a detailed estimate upfront.

Can I buy a home with bad credit?

Possibly! We work with lenders offering flexible programs, and we can also guide you on improving your credit to qualify for better rates.

What’s an interest rate vs. APR?

The interest rate is the cost to borrow money. APR (Annual Percentage Rate) includes the interest plus lender fees, giving you the true cost over the loan term.

Do you offer refinancing options?

Yes! We can help you refinance to lower your rate, shorten your loan term, or tap into home equity — let’s explore what works best for you.