Your Keys Are Closer Than You Think.
Local mortgage guidance with Loni Gerardi for Ocala, Marion County, Citrus County, and surrounding Central Florida communities. Home financing made simple, personal, and understandable, so you can move forward with confidence.
Loni Gerardi
NMLS 676738
"Let's find your way home."
Education first
You'll understand every option, every number, and every step, no jargon, no pressure.
In your corner
From the first conversation through closing day, Loni treats your purchase like her own.
Truly local
Ocala horse country to the Nature Coast, Loni knows these neighborhoods, programs, and markets.
One guide for every mortgage journey
Whether you're buying your first home in Belleview, refinancing in Ocala, or investing near the Nature Coast, you'll get clear answers and a plan that fits.
Buying a Home
From your first home to your forever home, clear guidance, strong pre-approvals, and loan options that fit your life.
Explore purchase loansRefinancing
Lower your payment, tap your equity, consolidate debt, or drop mortgage insurance. Find out if a refinance makes sense for you.
Review my optionsInvesting
Rental properties, DSCR loans, and portfolio strategies in one of Florida's strongest rent-to-price markets.
See investor programsThe right program changes everything
FHA, VA, USDA, conventional, jumbo, DSCR, bank statement, down payment assistance, and more, Loni matches the program to your life, not the other way around.
Conventional
Flexible, competitive financing for well-qualified buyers
Learn moreFHA
Low down payment and flexible credit guidelines
Learn moreVA
Earned benefits for Florida's veterans and service members
Learn moreUSDA
Zero-down financing for eligible rural and suburban areas
Learn moreFirst-Time Buyer
A clear, guided path to your very first set of keys
Learn moreDown Payment Assistance
Florida programs that bring homeownership within reach
Learn moreDSCR
Qualify on the property's income --- not yours
Learn moreBank Statement
Qualify with your deposits, not your tax returns
Learn moreA mortgage is personal. Your loan officer should be too.
Buying a home should feel exciting, not confusing. Loni Gerardi built GotMyKeys.com around a simple belief: when people truly understand their options, they make confident decisions, and confident buyers get the keys.
She answers her phone. She explains the numbers. She tells you the truth, even when the truth is "let's wait three months and strengthen your file." That's what local mortgage guidance you can trust actually looks like.
Local knowledge, from horse country to the Nature Coast
Loan programs, USDA eligibility, insurance costs, and market conditions change from community to community. Loni works these neighborhoods every day, explore local guides for each area she serves.
Explore all areas
Run your numbers in minutes
Five easy calculators built for Ocala-area buyers and homeowners: monthly payment, affordability, refinance savings, rent vs. buy, and down payment planning. Then talk with Loni to turn estimates into a real plan.
Neighbors who got their keys
"Absolutely blown away by the care and detail that Loni and her team provided to my buyers! There were so many moving parts, multiple layers involved, and Loni made our journey to the closing table as seamless as possible. She is my trusted lender resource and I recommend her to all of my buyers!"
Emily W.
Verified review, July 2026
"I was very pleased with the level of communication throughout this transaction, and impressed that Loni was able to get us closed when we'd already been denied financing with another lender."
Jeannine P.
Verified review, July 2026
"Loni has been extremely helpful through this whole process as a first time home buyer. She answered all questions and concerns I've had for months. 10/10 would recommend."
Reasa M.
Verified review, June 2026
"I Got My Keys!"
Every file ends the same way: keys in hand, on the porch of a home that's yours. Let's get you there.
Straight answers, no jargon
Have a question you don't see here? Call or text Loni directly at 352-598-1843, she answers.
How much do I need for a down payment in Ocala?
What areas does Loni serve?
How long does pre-approval take?
I'm self-employed. Can I still get a mortgage?
Ready to find out what your keys could look like?
A conversation with Loni costs nothing and commits you to nothing. Get clear answers about your options --- usually the same day.