Trusted Residential Mortgage Solutions Built Around Your Goals
At Andy – Gagliano Mortgage, Inc., we specialize exclusively in residential lending solutions designed to meet borrowers at every stage of homeownership. Whether you are purchasing your first home, refinancing an existing mortgage, or investing in residential real estate, our focus is on delivering clear guidance, competitive loan options, and a streamlined lending experience from start to finish.
Residential Loan Programs Tailored for Every Borrower
Financing Options That Adapt to Your Life, Income, and Property Type
Home financing is not one-size-fits-all, and our loan offerings reflect that reality. Andy – Gagliano Mortgage, Inc. provides a comprehensive range of residential mortgage programs to support primary residences, second homes, and qualifying residential investment properties. From traditional fixed-rate mortgages to specialized programs such as DSCR loans and renovation financing, we help borrowers navigate complex choices with confidence.
Our role extends beyond loan placement. We evaluate your income profile, credit position, long-term plans, and property goals to recommend financing strategies that make sense today and remain effective tomorrow. Whether you need low down payment options, flexible qualification guidelines, or access to equity, we structure solutions designed for long-term stability and growth.
A Smarter, More Personalized Mortgage Experience
Choosing the right mortgage partner can significantly impact your financial future. At Andy – Gagliano Mortgage, Inc., we prioritize transparency, responsiveness, and education throughout the loan process. Our clients are never left guessing—we provide clear explanations, realistic timelines, and proactive communication from application to closing.
We also recognize that speed and accuracy matter. By leveraging efficient processes and lender relationships, we reduce unnecessary delays while maintaining attention to detail. The result is a mortgage experience that feels organized, informed, and centered on your best interests rather than transactional volume.
Comprehensive Loan Solutions for Every Stage of Homeownership
At Andy – Gagliano Mortgage, Inc., we offer comprehensive residential loan solutions designed to support homeowners and buyers at every stage of their journey. Whether you are purchasing your first home, upgrading to a new property, refinancing an existing mortgage, or accessing home equity, our diverse loan programs provide the flexibility and structure needed to meet your evolving financial goals. From Conventional and government-backed loans to specialized financing options, we ensure each borrower has access to solutions that fit both their current needs and long-term plans.
Purchase Loan Programs
Purchase loans form the foundation of homeownership, and selecting the right structure is essential. We offer Conventional, FHA, VA, USDA, Jumbo, First-Time Homebuyer programs, and Down Payment Assistance options to support a wide range of buyers, from entry-level homeowners to high-net-worth borrowers.
Refinance and Home Equity Solutions
Refinancing can be a powerful tool for lowering monthly payments, reducing interest costs, or accessing home equity. We provide rate-and-term refinancing, cash-out refinance options, fixed-rate home equity loans, and HELOCs to help homeowners leverage their equity strategically.
Specialized and Investor-Focused Financing
For borrowers who fall outside traditional lending guidelines or are financing residential investment properties, we offer specialized solutions including DSCR loans, Non-QM loans, Fix & Flip financing, construction loans, renovation loans, and reverse mortgages. DSCR loans are available in CO, CT, DE, DC, FL, GA, HI, IN, KY, LA, MO, MS, NE, NH, NJ, NC, OK, SC, TN, TX, WA, WI, and WV.
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Let’s Build the Right Mortgage Strategy Together
Your mortgage should support your goals—not complicate them. At Andy – Gagliano Mortgage, Inc., we take the time to understand your priorities and deliver residential loan solutions that align with your financial future. Every recommendation is rooted in careful analysis, industry expertise, and a commitment to long-term client success.
To begin your mortgage journey or explore your options, connect directly with us at Phone: +1 (205) 979-4412 or Email: andy@gaglianomtg.com. We look forward to helping you secure the right financing with clarity, confidence, and professionalism.
