Byron Zonin
Branch Manager

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.

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What people are saying
Areas served
  • Gainesville
  • High Springs
  • Archer
  • Newberry
  • Levy County
  • Micanopy
  • Alachua
  • Trenton
  • Williston
  • Hawthorne
  • Lake City
  • Fort White
  • Branford
  • Lake Butler
  • Starke
Services offered
  • Purchase
  • Refinance
  • Mortgage
  • Home Loans
  • Hometown heroes
  • New Construction
  • renovations
  • First time homebuyers
  • Down Payment Assistance
  • FHA
  • VA
  • USDA
  • conventional
  • second homes
  • investment properties
  • self employed
  • calesa
  • OTOW
  • on top of the world
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Today's rates

Loan typeRateAPRDiscount points ($)Mo. payment

This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs.

Mortgage rates are offered exclusively through Guaranteed Rate and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners’ insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.

One discount points equals one percent of your loan amount.

Some jumbo loan options may not be available to first-time home buyers.

We based the mortgage interest rates shown on a 30-day rate lock period. Under certain circumstances, a 30-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range.

Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval.

These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score.

Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.


If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.

Adjustable Rate Mortgage (ARMs)

Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.