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Whether you are looking to purchase or refinance your home, it is important to keep in mind that while this may feel like an arduous process, finding the right person can help guide you into a smooth, and stress-free experience.



I am a United States NAVY veteran and I have been in the financial industry for 18 years, within that time I have witnessed many ups and downs in the mortgage business, including the subprime mortgage crisis of 2008. As a person who is proud to serve her country, I believe it is my duty to provide knowledge to those who walk into my office asking for help on obtaining their dream home, and at the same time to serve and protect them from any dishonest schemes.



It is very important for me to have a strong and trustworthy relationship with my customers, so I can offer the guidance they need to make their dreams a reality. As a homeowner myself and a single mother, I know how hard it is to find the financial means to pay the bills and have enough for quality time with my family, as traveling the world with them is one of the things I enjoy the most. That is why I try to find a way to fit my clients’ mortgage into their financial goals because it's so satisfying to see people I’ve helped thriving in their homes and communities.



I have received several awards during my career that highlight my top performance in this business, and my extensive knowledge of the products offered on the market today are an asset towards building lasting relationships with business partners and homebuyers. These relationships are an invaluable tool in making the home loan process as smooth and comfortable as possible, and all of this allows me to provide the service and expertise that my current and past customers demand.



Aviso de Exención de Responsabilidad: Todas las negociaciones y los Documentos de Transacciones de Préstamos Hipotecarios se realizarán y serán proporcionado en Inglés.  Le sugerimos que trabaje con un intérprete de su elección.

VP of Mortgage Lending

VP_DE_PRéSTAMOS_HIPOTECARIOS

Ana Guzman is your Gainesville local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Ana is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Ana at (352) 554-2273 for more information!

Ana Guzman at Rate (NMLS #1436385)

Byron was born and raised in Western Pennsylvania. He is a graduate of California University of Pennsylvania with a B.S degree in Finance. During his first year he joined the United States Marine Corps Reserves and went to recruit Training at Parris Island, South Carolina. While fulfilling his reserve contract and attending school he qualified for Officers Candidate School and attended PLC jr at Quantico VA. Byron Decided to stay enlisted verses pursuing his commission and fulfill his contract where he was awarded an honorable discharge as a Sergeant. After Graduation he Moved to York Pennsylvania where he was in a Fast Track Management Program for a national finance company. Nine months later he completed the program and was promoted to an office in Westminster MD. The next 20 years would take him from Maryland to Pennsylvania to Delaware and back to Maryland while advancing through his career to his final home state of Florida in 2015.



Byron believes it is important to give back to the communities where he lives and works. He is active with the Gainesville-Alcahua County Association of Realtors, Builders Association of North Central Florida, involved in both the Marion County and Alachua County State Housing Initiative Program (SHIP Program), a former board member of The Education Foundation of Alachua County and a current board member of the Marion County Housing Finance Authority.



When Byron is not working or giving back to the community, he loves spending time with his 3 children and just about anything outdoors. He enjoys riding his Harley on the back roads, riding atv’s, Fishing, going to the beach and live music.

Branch Manager

Byron Zonin is your Gainesville local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Byron is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Byron at (352) 554-2270 for more information!

Byron Zonin at Rate (NMLS #728812)

As your trusted Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Walter Walding is your Gainesville local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Walter is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Walter at (352) 478-0283 for more information!

Walter Walding at Rate (NMLS #2311734)

Anthony Cerrud is the go-to Loan Officer for your mortgage needs. Anthony has nearly a decade of real estate experience and has helped over 500 homeowners in his lifetime. He has been awarded customer service and operational integrity recognition. He is licensed in Florida and Georgia.


Anthony's specialty is simplifying the mortgage process for his clients and partners. He educates his borrowers throughout the homebuying journey, so they understand their options. Anthony puts his clients ahead of the competition through his ability to close loans in record time.


Anthony graduated from Florida International University with a Bachelor of Finance degree. He grew up in Miami, FL, and currently resides in Gainesville. He worked in Atlanta, GA for four years for a large real estate group before relocating to Gainesville to grow his lending business. Community involvement is a very important part of Anthony's personal and professional life. He is extremely proud of his Hispanic, South Floridian upbringing.

Vice President of Mortgage Lending

AVP_DE_PRéSTAMOS_HIPOTECARIOS

Anthony Cerrud is your Gainesville local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Anthony is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Anthony at (786) 721-1825 for more information!

Anthony Cerrud at Rate (NMLS #1597999)

Gainesville

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4 Loan Officers in Gainesville, FL