A mortgage partner who makes your deals stronger
You work hard to get buyers under contract. The last thing you need is a lender who goes quiet, issues soft pre-approvals, or discovers problems in week four. Loni Gerardi partners with real estate agents and builders across Ocala, Marion County, Citrus County, and Central Florida to get transactions to the closing table --- smoothly, predictably, and on time.
What you can count on
Fast communication
Calls and texts answered promptly --- including evenings and weekends when deals are live. You'll never chase a status update.
Pre-approvals you can write on
Document-verified pre-approvals, not flimsy pre-quals. When Loni issues a letter, the file behind it is real.
Clients who show up prepared
Loni educates every buyer on payments, cash to close, and timelines --- so there are no cold feet and no closing-table surprises.
Problem-solving, not problem-finding
Self-employed income, acreage, manufactured homes, condos --- Loni structures solutions instead of issuing denials.
Proactive follow-up
Milestone updates to you and your client at every stage. You always know where the file stands before you have to ask.
Builder-friendly process
New construction timelines, rate-lock strategy, and honest comparisons when your buyers weigh in-house financing.
Local knowledge that protects your deals
Loni knows which Marion and Citrus County streets are USDA-eligible, how equestrian properties appraise, which condo projects are warrantable, what flood insurance does to a Nature Coast payment, and how The Villages' CDD fees affect qualifying. That fluency catches issues at pre-approval --- not at the eleventh hour.
She also offers programs that rescue deals other lenders decline: bank statement and self-employed options, DSCR for your investor clients, down payment assistance for first-time buyers, and renovation financing for homes that need vision.
Send Loni your next buyer --- and watch the difference
Refer a client today and see what responsive, proactive, local mortgage partnership feels like. Your clients will thank you.