Debunking 5 Mortgage Myths

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We’ve compiled a list of some of the most popular mortgage-related myths out there and are ready to debunk them for you. A search engine is not the place to get answers to your mortgage questions. That’s what your Birmingham mortgage group, Gagliano Mortgage, is for! Let’s tackle these myths! Myth #1: You have to have […]

How To Know You’ve Found the Right House

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When you know, you know… or will you? What if it’s not love at first sight? Buying a house is a big, long-term commitment and you want to know you’ve found a place that’s worthy of the commitment. Sometimes, a place will feel like home the moment you pull up to the curb. But for […]

Home Buying with Bad Credit: Is it possible?

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Having bad credit feels so limiting- is it preventing you from achieving your goal of home ownership? Whatever your situation- whether you just got your first credit card or have a history of not being able to pay on time- it can be discouraging when trying to make big purchases. But bad credit doesn’t have […]

7 Ways to Attract Buyers When Selling Your House

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Selling your house can be a busy and frankly stressful season- trying to keep the house spotless, preparing for complete strangers to walk around, and working through contracts, negotiations…the list goes on and on. Well, your mortgage advisors at Gagliano Mortgage want to make things a little smoother with this list of things to do […]

Refinancing 101: When and Why

Refinancing is the process of replacing your current mortgage loan with a new one. It’s used when current interest rates are lower than the one you originally had, so that you can pay less monthly, get cash out, or shorten the length of your loan. Getting that lower rate depends on a few factors, however. […]

Why Choose a Mortgage Broker?

  Why Choose a Mortgage Broker? When you apply for a mortgage with your bank, credit union, or a mortgage bank, you are almost always at a disadvantage. Why? There are several reasons: 1. Mortgage banks, banks, and most credit unions only offer their own mortgage products, rates, and closing costs. A mortgage broker offers […]

Why Get Pre Approved For a Mortgage?

Why Get Pre Approved? Why should someone get pre approved for a mortgage before looking at houses? Here’s a quick list of a few of the reasons: 1. Mortgage guidelines change… often! Just because someone was approved for a mortgage the last time they applied, does not mean that same person will automatically be approved […]

Understanding Your Credit Score

Understanding Your Credit Score Understanding your credit score will not only help you during the mortgage process, but any time you apply for credit or insurance. Your credit score matters to most financial companies – mortgage lenders, banks, credit card companies, insurance companies, etc. We all need these services, but we sure don’t like to […]