Mortgage Solutions

Traditional Banks Often Miss

We Get Loans Approved

When Others Say No

First-time buyers. Self-employed borrowers.

Real Estate investors. Jumbo buyers.

Complex income borrowers.

29+ Years of Experience. Top 1% Nationally. Lending in 50 States. 1000's of Families Helped.

Meet Chris Galli

I've been in the 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 likely seen a similar situation before and found a way through it.

My team - Chris, Julie, Rosa, Isaac & Mary operate like a unit.

We respond timely.

We communicate throughout the entire process.

And we fight for every file until it closes.

If there's a loan to be structured, we'll find it.

We Respond Within 2 Business Hours

Choose Your Situation - We'll Show You the Path

Self-employed? Complex Income? Investor? First-Time Buyer?

Told "NO" Before?

Scenario 1: "Self-employed borrower wrote off too much > declined >

approved using bank statements"

Scenario 2: "Investor with multiple properties > conventional denied >

approved with DSCR loan"

Scenario 3: "Complex income > underwriter said no >

we structured the deal differently and closed"

Scenario 4: Renter > no down-payment >

we obtained down-payment assistance and worked with the agent to

structure the seller to pay for closing costs.

Buyer paid $1400 to get into their new home

Serving clients across the U.S with flexible lending solutions for

buyers, investors, and self-employed borrowers.

Looking for a stress-free way to finance your home?

Whether you're buying, refinancing, or were told "no" somewhere

else, we create mortgage solutions that actually get

you to the closing table.

Don't lose your dream home because of underwriting delays - we help close faster!

Loan Programs Built for Real Life

Why Most Loans Get Denied (And How We Fix It)

Running Out of Time?

In Contract & Having Qualifying Issues

Chris Galli * NMLS# 13152

The Difference Is Real

Why Borrowers Choose Us
Over Big Banks

Most lenders have one playbook. We have dozens — built for real-life situations banks won't touch.

Big Banks & Online Lenders The Galli Team ✦
Response Time24 – 72 hoursWithin 2 hours
Bank Statement Loans✗✓
DSCR / Investor Loans✗✓
Complex & 1099 Income✗✓
Denied Elsewhere?No second lookWe restructure your file
Down Payment AssistanceSometimes✓ We specialize in it
Dedicated Loan TeamCall center rotationChris, Julie & Rosa — directly
Loans Up ToConforming limitsJumbo up to $5 Million
Licensed StatesVariesNationwide

Not Every Buyer Fits a Box - And That's Exactly

Why We Win Deals Others Lose

At The Galli Team, we specialize in

structuring loans

that actually work in the real world.

Text

Loan Solutions Built Around You

Who We Help

Check Out Our PodCast

Mortgage Matters with

Chris Galli

Serving Homebuyers across the country - Why Not You?

Florida

Massachusetts

Worcester County

Middlesex County

Essex

Franklin

Common Questions

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 →
No. We start with a soft pull only — no impact to your credit score. We only run a hard pull once you've decided to move forward and given us explicit permission.
Absolutely. We work with denied borrowers every week. Banks use rigid guidelines — we have flexible programs like bank statement loans, DSCR, and non-QM products that most banks don't offer. A denial from them is not a denial from us.
Yes — this is one of our most common scenarios. We can qualify you using 12 or 24 months of bank statements instead of tax returns. Your write-offs don't disqualify you. We look at actual cash flow.
Most of our loans close in 21–30 days. For buyers already in contract with qualifying issues, we move fast — call us directly and we'll tell you exactly what's possible for your timeline.
Not at all. We have programs starting at 3–3.5% down, and in some cases we can pair that with down payment assistance to get your out-of-pocket costs even lower.
Yes, this is a specialty of ours. DSCR loans qualify based on the property's rental income — not your personal income or tax returns. Great for investors with multiple properties or high write-offs.
Within 2 business hours — usually faster. Chris, Julie, and Rosa handle all communication personally. You won't be bounced around a call center or wait on hold.
We're licensed nationwide and close loans across the country regularly. We have deep roots in Florida (Sarasota, Bradenton, Tampa) and Massachusetts, but your state is very likely covered.
DSCR LOANS

DSCR LOANS

We'll run the numbers for you — no hard credit pull, no obligation. Find out in minutes. ...more

Mortgage

May 08, 2026•undefined

Best Mortgage Options for Homebuyers in Tampa, Bradenton, and Sarasota (2026 Guide)

Best Mortgage Options for Homebuyers in Tampa, Bradenton, and Sarasota (2026 Guide)

Best Mortgage Options for Homebuyers in Tampa, Bradenton & Sarasota. Learn how to qualify, compare programs, and get approved faster. ...more

Mortgage

February 09, 2026•4 min read

Self-Employed in Florida?

Self-Employed in Florida?

Self-Employed in Florida and looking for options in home mortgage financing that do not require tax returns? ...more

Mortgage

February 08, 2026•4 min read

Go Mobile * Download Our App

29+ Years · Top 1% Nationally · Licensed Nationwide

Your Situation Isn't
Too Complicated.
It's Just New to the Wrong Lender.

Whether you've been denied, you're self-employed, or you're just starting to explore — a 15-minute call with Chris can change everything.

Get My Free Loan Plan → 📞 Call (941) 529-1040
No hard credit pull Response within 2 hours No obligation Your info is never sold

Looking for the right mortgage?

Schedule a call with our team, we will guide you along the way and assure you are
updated thru the process. Schedule your free consultation today!

OUR TESTIMONIALS

★ ★ ★ ★ ★

Chris, Julie and Rosa were very helpful in helping me purchase my vacation home in Florida! I am grateful for their expertise and so happy we closed quickly, so I could use it and get away from the extremely cold weather in Massachusetts! They were available all hours of the day accommodating my work schedule and answered all my questions immediately. I will definitely use them again and will refer them to my friends and family. Thank you again! Mary - Webster, MA

Mary Miller
★ ★ ★ ★ ★

Chris is the Real Deal. A stand up guy & a MASTER in his field. Saved my wife and I so much money. I will forever sing his praises. The real deal!

Andrew Smith
★ ★ ★ ★ ★

I had an overall great experience when working with Chris and his team. They were very accommodating and informative when explaining things to me or asking for further documentation. They were very transparent in the home buying process when working with them was easier and less stress than I expected it to be. I am so glad that I chose to work with them and I am so grateful for the experience and then helping me get Approved for my home!

Chelsea

See what more Client Have to Say

Office:

Bradenton, Florida

Call

941-529-1040

Site:

https://thegalliteam.com

Copyright 2026 . All rights reserved

Christopher Galli NMLS# 13152


Novus Home Mortgage, a division of Ixonia Bank is an Equal Housing Lender. We are headquartered at 20225 Water Tower Blvd. Suite 400, Brookfield, WI 53045.. NMLS No. 423065
(www.nmlsconsumeraccess.org). This is not an offer to enter into an agreement or a commitment to lend. All loans are subject to credit approval as well as program requirements

and guidelines. Rates and requirements are subject to change without notice. Not all products are available in all states. Other restrictions or limitations may apply. Novus Home Mortgage, a division of Ixonia Bank

is not affiliated with any government agency. © Novus Home Mortgage. All Rights Reserved | Program, Rate & APR Examples. Privacy Policy