Local Loan Options
Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of mortgage brokers here can help you take that first step toward a financial solution.
Your top mortgage questions, answered
Common types include conventional loans, FHA loans, VA loans, USDA loans, fixed-rate mortgages, and adjustable-rate mortgages. Each type has its own eligibility requirements, benefits, and drawbacks.
A fixed-rate mortgage has a constant interest rate throughout the loan term, leading to predictable monthly payments. An adjustable-rate mortgage (ARM) has an interest rate that can change periodically, causing fluctuations in monthly payments.
Pre-qualification provides an estimate of how much you might be able to borrow based on the information you provide. Pre-approval involves a more thorough review of your financial situation and credit history, resulting in a conditional commitment from a lender.
While it may be more challenging to qualify for a mortgage loan with bad credit, there are still options available. Government-backed loans like FHA loans may have more flexible credit requirements, and some lenders specialize in working with borrowers with less-than-perfect credit.
What our clients are saying
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Wow!! Gagliano goes above and beyond always giving excellent service. Love working with a small mortgage company that doesn’t lose files and follows-up.
John Ambrose
August 18, 2022We used Gagliano Mortgage when we needed to buy our new house. Being self employed makes the mortgage process way more "fun", but Andy was there to guide us... read more
Benji Sawyer
August 18, 2018After shopping around, I found my best rates for my loan through Gagliano. Andy was very proactive to make sure my wife and I knew exactly what steps needed... read more
Adam Fyfe
August 18, 2021 -
I've used Gagliano Mortgage on more than one occasion and I've always been pleased with the patience and attention to detail. Andy is always calm during a process that... read more
Casey Bentley
August 18, 2021I highly recommend Gagliano Mortgage if you are buying a new home or refinancing a home. We just purchased a new (to us) home & Andy guided us through the... read more
Rebecca Duncan
August 18, 2021Andy and his team were very helpful and answered all questions we had in a very timely manner. Will definitely use them again in the future.
Jordan Morgan
August 18, 2023 -
Gagliano Mortgage was awesome in handling my daughters mortgage, she was a first time buyer and Andy and his team were exceptional with answering all her questions and were patience... read more
james mitchell
August 18, 2023Shannon and Andy are great. They have always given our customers respect and professionalism. They take the time to listen to our client’s needs and ensure that they pair them... read more
Jeff Davis
August 18, 2022My wife and I met with Andy to discuss financing options. Andy took a lot of time with us to lay out all of our options. We really appreciated his... read more
Lance Tarrant
August 18, 2018 -
This was my first time buying a home through Gagliano Mortgage and it was a fantastic experience. Andy made everything so simple for me. I never had a problem reaching... read more
George
August 18, 2023Andy Gagliano and his team are great to work with. He has assisted our clients as well as helped us personally when purchasing investment property. I would highly recommend Gagliano... read more
Anna Parker
August 18, 2021Gagliano Mortgage. Efficient and with great rates for any term!
Quentin Dunn
August 18, 2018
