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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My husband and I just recently refinanced our condo and had an excellent experience with Gagliano Mortgage Inc. Andy and his team are AMAZING! They responded quickly to our emails... read more
Callie Sharp
August 18, 2022I sadly could not use Andy for my mortgage because I live in Tennessee. However, I did call him and he gave me ideas for my mortgage that allowed us... read more
Cameron Weddington
August 18, 2018Andy is fantastic. I have been in banking over 8 years, and I highly recommend him especially for a small business owner wanting to buy. He has special mortgage options... read more
Myles Jones
August 18, 2018 -
Shannon and Andy are truly amazing! You won't be disappointed with Gagliano Mortgage 🙂
Amber Green
August 18, 2024Shannon and Andy were instrumental in our home buy!! They made the entire process smooth and easy for us. They educated and supported us while helping us make a huge... read more
Sydney Payne
August 18, 2024Andy and his team are fantastic! Extremely reliable, responsive, and knowledgeable. I am excited to use Gagliano Mortgage for all of my home buying needs this year! The best!
Emily Booth
August 18, 2021 -
Andy and his team are definitely fantastic at customer service, making sure the Buyer understands the Buying process and communication with all parties in a transaction. Highly recommend!
Bubba McCants
August 18, 2024After 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, 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 worked hard to get me the rate I needed to justify a refinance. Andy worked closely to obtain and coordinate all the paperwork to have the mortgage close... read more
Ron Booker
August 18, 2020I highly recommend this company. Shannon Driver is one of the most smartest kindest person you’ll ever meet and get a chance to work with her you will be beyond... read more
HomeSweetHome Painting
August 18, 2023Andy and his whole team are truly amazing! They always made me feel like I was top priority and explained things so well. With all the daunting paperwork that comes... read more
Jennifer Grostick
August 18, 2021
