Self-employed. Complex income. Real estate investor. First-time buyer. Whatever your situation — we find a path to the closing table when traditional lenders can't.
Loan Plan
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on Experience.com
I've been in this industry for over 29 years, and I started The Galli Team for one reason: too many good people were being told "no" by lenders who didn't know how to structure their deal.
Whether you're self-employed with complex income, an investor building a portfolio, a first-time buyer with limited savings, or someone who's already been denied — I've seen your situation before and found a way through it.
My team — Chris, Julie, Rosa, Isaac, and Mary — operates like a unit. We respond fast. We communicate every step of the way. And we fight for every file until it closes.
Told "No"? Here's What Happened Next.
Every one of these borrowers was turned down somewhere else. Here's how we found a way through.
Tax returns showed low income from legitimate business deductions. Conventional lender declined.
Approved using 12 months of bank statements. Closed on a $485,000 home in Sarasota.
Multiple investment properties pushed DTI over conventional limits. Loan denied.
Qualified via DSCR — the rental income covered the payment. Closed in 21 days.
No savings for a down payment. Multiple people said homeownership wasn't possible yet.
Secured down payment assistance + seller concessions. Buyer moved in for just $1,400 out of pocket.
Two lenders said no. Variable income. Credit of 660. Running out of options.
Restructured with a 12-month P&L and non-QM program. Approved and closed in 28 days.
Sound like your situation? Let's find your path forward.
Get My Free Loan Plan →Why Borrowers Choose Us
Over Big Banks
Most lenders have one playbook. We have dozens — built for the real-world situations banks won't touch.
| Big Banks & Online Lenders | The Galli Team ✦ | |
|---|---|---|
| Response Time | 24 – 72 hours | Within 2 hours |
| Bank Statement Loans | ✗ | ✓ |
| DSCR / Investor Loans | ✗ | ✓ |
| Complex & 1099 Income | ✗ | ✓ |
| Denied Elsewhere? | No second look | We restructure your file |
| Down Payment Assistance | Sometimes | ✓ We specialize in it |
| Dedicated Personal Team | Call center rotation | Chris, Julie & Rosa — directly |
| Loans Up To | Conforming limits | Jumbo up to $5 Million |
| Licensed States | Varies | All 50 States |
Don't Take Our Word For It.
Real people. Real loans. Real results.
"Chris and his team were great to work with. Always available to answer questions and kept us updated throughout. We closed early with no surprises. Highly recommend!"
"Hands down, best mortgage experience ever. Chris and Julie are rock stars. No surprises, great communication, and a very streamlined process. Sending all my friends and family to the Galli Team."
"Chris, Julie and Rosa were very helpful purchasing my vacation home in Florida. Available all hours accommodating my work schedule. Will definitely use them again!"
"This is my 5th property purchase and the smoothest transaction by far! I will be using Chris as my go-to mortgage lender from now on."
"The entire process was smooth from start to finish!"
"Chris is the Real Deal. A stand-up guy and a MASTER in his field. Saved my wife and I so much money. I will forever sing his praises."
Everything
You're
Wondering,
Answered.
No vague answers. We explain exactly how this works before you ever fill out a form.
Get My Free Loan Plan →Your Situation Isn't
Too Complicated.
It's Just New to the Wrong Lender.
Whether you've been denied, you're self-employed, or just starting to explore — a 15-minute call with Chris can change everything.