Coastal Living Properties® │ Haines Realty Lenders

Gateway Mortgage Company

  • NameMichael Gallichio
  • License187895.
  • Phone908-783-5229
  • Get Started

Ask A Mortgage Question

About

Get a sense of the costs of buying a home by calling me today to get your monthly paymant.

Welcome to the first step in buying your new home!

I've been a lender for over 23 years, guiding buyers like you to make smart decisions and educating them along the way. I'm local and work throughout NJ and other states as well.

I know financing can seem daunting, but I make it straightforward and easy for all my clients. I work 24/7, 365 days a year, to ensure you get superior service whenever you need it. Buying a home is one of the most life-changing and expensive purchases you'll ever make. You want to work with someone experienced, honest, who knows the market, and genuinely cares about you. I work tirelessly to ensure you're not taken advantage of by others looking to line their pockets with your money. I'll educate you on the various loans and programs available to you based on your personal information.

Not every loan works for everyone, and believe it or not, not everyone is entitled to the same rate. You can't believe everything you hear from friends, family, TV, or social media. Rates vary based on the individuals finances. Each loan and rate is specific to each person and each potential home they are buying. It's my job to help you find the perfect fit! 

If you think you can get a better rate somewhere else, call me first to ensure there are no hidden buy-down points and fees that many lenders fail to disclose just to get your business. I'm honest and will always put your needs first, making sure no one takes advantage of you.

Here is my first tip most people do not know...

When two or more people apply for a loan together, lenders often base the interest rate on the lowest credit score among the applicants. This is because they assess the risk based on the lowest creditworthiness of the group. 

Have more questions? Feel free to call me anytime or go to my website link and apply online.

Best of luck, and I hope to speak with you soon.

Michael Gallicchio

Cell: 908-783-5229

Email: Michael.gallicchio@gatewayloan.com

About Coastal Living Properties® │ Haines Realty

We have everything you need to make your dreams realty!! Luxury Estates, Waterfront Properties, Second Homes, Single Family Homes, Adult Community Homes, Condos & Townhomes, Buying, Selling, Investing, Farms, Lots/Vacant Land, Interior Design Consulting & Stagging, Contractors, the list goes on... Do Not Wait, Call Today!

Areas We Cover

Show More...