The Galli Team · Novus Home Mortgage

Apply for Your Home Loan

Start your secure application with Chris Galli and The Galli Team. Most people finish in about 15 minutes, and you can save and come back. Applying doesn't lock you into anything. It lets us review your real numbers and tell you exactly where you stand.

Start Your Application

Top 1% Team · 29+ Years · Lending in All 50 States

What happens after I apply?

  1. 1 · You applyFill out the secure application on Novus Home Mortgage's portal. Your information is encrypted.
  2. 2 · We reviewOur team reviews your file and reaches out, usually the same business day, to talk through your options.
  3. 3 · You get a planYou get a clear answer: the loan that fits, your full payment, and what's needed to get to closing.

What should I have ready?

  • Address history for the last 2 years
  • Employer names and dates, or business info if self-employed
  • Monthly income, including Social Security, pension or retirement income
  • Rough account balances (checking, savings, retirement)
  • Current home details if you own or are selling
  • Price range and the area you're shopping in

Don't have everything? Start anyway. You can save your progress, and we'll help fill in the rest when we talk.

Frequently asked questions

Does applying hurt my credit?

We'll explain how and when credit is reviewed before anything is pulled, so there are no surprises. Ask us on your call if you want to talk it through first.

Am I committed to a loan if I apply?

No. Applying lets us review your file and give you real options. You decide whether and when to move forward.

Can I apply if I'm moving to Florida from another state?

Yes. The Galli Team lends in all 50 states, with offices in Bradenton, Florida and Worcester, Massachusetts. Many of our clients apply before they sell up north.

What if I'm self-employed or another lender said no?

Apply anyway. We work with bank statement, DSCR, non-QM, FHA, VA, USDA and conventional loans, and we review files other lenders turned away.

How long does the application take?

About 15 minutes for most people. You can save and finish later.

Ready when you are.

Guidance over gimmicks. Start your application and Chris's team will take it from there.

Start Your Application
Chris Galli, Region Manager · NMLS #13152
Novus Home Mortgage, a division of Ixonia Bank NMLS 423065 | Equal Housing Lender
The Galli Team · 1317 3rd Ave W, Bradenton, FL 34205 · Call 941-529-1040