Gainesville

Home Mortgage Loans

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Gainesville Home Loans.

Whether you are a first time home buyer or trading up to a larger home, we work to find the best home loan solution for you. Constantly surveying the hundreds of mortgage lenders as well as anonymously testing their staff, we are always aware of the conditions of the home loan market as well as the lenders involved in it.

Best Lender For a Gainesville Mortgage

Unfortunately, the subprime mortgage crisis has caused dramatic changes in the lending climate. Many lending institutions have suffered tremendous losses and as a result have tightened their lending standards drastically. Whereas it used to be very, very easy to meet the requirements in order to get approved, it is now much more difficult with most lenders. When searching for a Gainesville mortgage, it is important to find one that not only offers the lowest rates, but also has not tightened lending standards to the point that only a tiny percentage of applicants will qualify. At the top of our list right now is ING DIRECT Orange Mortgage for Gainesville Home Loans. They have the lowest rates, a free and easy online application, and they have not been severely hurt by the subprime mortgage crisis. They are still approving the majority of applications for Gainesville mortgage loans.

Gainesville Florida Overview & Statistics

Gainesville Overview

As of 2007, Gainesville's population is 108,655 people. Since 2000, it has had a population growth of 13.84 percent.

The median home cost in Gainesville is $259,900. Home appreciation the last year has been -0.98 percent.

Compared to the rest of the country, Gainesville's cost of living is 9.16% Lower than the U.S. average.

Gainesville public schools spend $5,088 per student. The average school expenditure in the U.S. is $6,058. There are about 18 students per teacher in Gainesville.

The unemployment rate in Gainesville is 2.40 percent (U.S. avg. is 4.60%). Recent job growth is Positive. Gainesville jobs have Increased by 4.00 percent.

Gainesville Economy

The unemployment rate in Gainesville, FL, is 2.40%, with job growth of 4.00%. Future job growth over the next ten years is predicted to be 34.37%.

Gainesville, FL Taxes

Gainesville, FL, sales tax rate is 6.25%. Income tax is 0.00%.

Gainesville, FL Income and Salaries

The income per capita is $18,946, which includes all adults and children. The median household income is $31,283.

Gainesville Housing

The median home value in Gainesville, FL, is $259,900. Home appreciation is -0.98% over the last year. The median age of Gainesville, FL, real estate is 29 years.

Gainesville, FL Apartments and Rentals

Renters make up 48.47% of the Gainesville, FL, population. 7.10% of houses and apartments in Gainesville, FL, are unoccupied (vacancy rate).

For related resources please also visit:

www.cityofgainesville.org

Gainesville Real Estate Agents

Florida First Time Home Buyers Grants

Florida First Time Home Buyer Programs

Florida Home Loan

Gainesville Mortgage in the news.

Finally, you may want to visit Mortgage Rates Predictions to find out if now is a good time to apply for a Gainesville Mortgage.

Housing Not Yet At Bottom

Real Estate continues to lose value. One expert predicted the subprime financial crisis in 2008 and is now calling for an Economic Depression in 2011 -2012. Learn how he is helping others protect and greatly increase their wealth in spite of the financial crisis. Read more>>>