Marion County, Florida

Mortgage loans in The Villages, Florida

America's premier active adult community

The Villages is one of the largest 55+ communities in the world, spanning southern Marion County into Sumter and Lake counties. With golf courses, town squares, recreation centers, and a golf-cart lifestyle, it draws active adults from across the country --- and its Marion County neighborhoods continue to grow.

Get Pre-Approved in The Villages Call or Text Loni

Homes & housing in The Villages

The Villages offers patio villas, courtyard villas, designer homes, and premier homes, both new construction and resale. Purchases here involve community-specific considerations like amenity fees, CDD assessments, and bond payoffs.

Who's buying in The Villages

Active adults 55+, retirees relocating from out of state, downsizers, and buyers purchasing ahead of retirement. Some buyers also explore reverse mortgage purchase options.

Why a local lender matters here

Villages transactions have moving parts --- amenity fees, CDD bonds, new-construction contracts, and quick closing timelines. Loni understands how these purchases work and keeps your financing aligned with the community's process.

Mortgage Programs

Loan programs available in The Villages

Buyers in The Villages can access the full range of mortgage programs --- and Loni will match the right one to your situation and your property.

All loan programs are subject to qualification, underwriting approval, and program availability.

Local FAQs

The Villages mortgage FAQs

Questions about buying in The Villages? Call or text Loni at 352-598-1843.

Can I use a VA or FHA loan in The Villages?

Yes, VA and FHA financing can be used for many Villages homes, though most buyers here use conventional financing. Loni will compare your options, including how each program handles the community's fees.

What is a CDD and how does it affect my mortgage?

A Community Development District assessment funds infrastructure and appears on your property tax bill. Lenders count it in your monthly obligations, so it affects qualifying. Loni builds accurate numbers --- including CDD and amenity fees --- into your pre-approval.

Can I buy a home in The Villages before I retire?

Yes. Some buyers purchase as a second home first, then make it their primary residence later. Loni can show you how second-home and primary-residence financing differ so you can plan the transition.

Also serving nearby communities

Ocala Belleview Dunnellon Summerfield Silver Springs Ocklawaha

Buying or refinancing in The Villages?

Get local, honest mortgage guidance from Loni Gerardi --- serving The Villages and all of Marion County. One conversation tells you exactly where you stand.

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