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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, Inc. and are subject to change without notice. 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).

Product Assumptions:

Conforming: Sample monthly payments for conforming loan products are based on a purchase price of $437,500, and a down payment of 20.00%. Advertised rates and APRs are subject to change without notice. Above scenarios assume a first lien position, 750 FICO score, 30 day rate lock on a primary residence.

Jumbo: Sample monthly payments for jumbo loan products based on a purchase price of $1,200,000, and a down payment of 25.00%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 760 FICO score, 25 day rate lock on a primary residence.

FHA: Sample monthly payments are based on a purchase price of $310,880, and a down payment of 3.50%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence.

VA: Sample monthly payments are based on a purchase price of $400,000, and a down payment of 0.00%. Advertised rates and APRs are subject to change without notice. Sample does not include VA funding fee (max VA funding fee of 3.3%). Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence. Must be an eligible veteran. Subject to underwriting guidelines and applicant's credit profile.

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.

One discount points equals one percent of your loan amount.

Guaranteed Rate, Inc. 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.