Bradenton Mortgage Lender | FHA, VA, DSCR & Home Loans | The Galli Team
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Local Bradenton Office · 29+ Years · 4.9★ Rating

Bradenton's Mortgage LenderWhen Speed & Approvals Matter.

Our office is right here in downtown Bradenton. Fast pre-approvals that win offers. FHA, VA, DSCR, bank statement, jumbo, and down payment assistance — all under one roof. From Palma Sola Bay to Lakewood Ranch, we know this market.

Get Pre-Approved Today → 📞 (941) 529-1040
Local office Same-day pre-qual All loan types Response in 2 hours
Chris Galli - Region Manager, Novus Home Mortgage, The Galli Team, Bradenton FL
"I've helped Bradenton families and investors close on homes for 29 years. When you work with a local lender, you get answers — not call centers."
Chris Galli · Region Manager · 1317 3rd Ave W, Bradenton, FL · NMLS# 13152
29+
Years Local
4.9★
Client Rating
Top 1%
Nationally
Living & Buying in Bradenton

A Local Lender for a Local Market.

Bradenton continues to attract families, professionals, retirees, and investors thanks to its coastal lifestyle, growing neighborhoods, and strong housing market. From waterfront properties near Palma Sola Bay to family-friendly communities in Lakewood Ranch and West Bradenton — the local market offers opportunities for every type of buyer.

We provide mortgage lending services throughout Bradenton and nearby communities. Whether you're buying a primary residence, second home, or investment property, we help structure loan solutions that fit the Bradenton market. Close proximity to Sarasota and Tampa means buyers get the best of all three markets.

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Visit us in downtown Bradenton
1317 3rd Ave W, Bradenton, FL 34205 — a few blocks from the Manatee Riverwalk. Walk-ins welcome, or schedule a time.
Bradenton Florida waterfront homes near the Manatee River
Bradenton, Florida
Neighborhoods We Serve

Bradenton's Best Communities.

Lakewood Ranch
Master-planned community with top schools, family neighborhoods, and new construction.
Palmetto
Historic charm with riverfront access and quick connections to Tampa Bay.
Parrish
Fast-growing area with new home developments and excellent investment potential.
Anna Maria Island
Beachfront luxury and vacation rental opportunities just minutes from downtown.
West Bradenton
Established neighborhoods near Palma Sola Bay with mature trees and water access.
Downtown Bradenton
Walkable urban living along the Manatee Riverwalk with condos, lofts, and historic homes.
Bradenton Loan Programs

Every Type of Loan, Under One Roof.

Whatever your situation — first-time buyer, investor, self-employed, or relocating — we have a Bradenton mortgage program built for you.

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Conventional
As low as 3% down for qualified Bradenton buyers.
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FHA / VA / USDA
3.5% down FHA, 0% down VA, USDA in rural areas.
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Jumbo up to $5M
Waterfront and Anna Maria Island properties.
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Bank Statement
Self-employed buyers — qualify on deposits, not tax returns.
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DSCR Investor
Qualified by rental income. No personal DTI needed.
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Profit & Loss
Strong P&L statements, complex returns — no problem.
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Condo Financing
Bradenton condos, including non-warrantable buildings.
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100% Financing
With DPA, zero out of pocket is possible for eligible buyers.
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ITIN Loans
For Bradenton buyers without a Social Security Number.
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Renovation Loans
Buy and renovate in one loan — great for older homes.
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1099 / 1-Yr Returns
Contractors and 1099 earners — one year of returns.
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Construction Loans
Single-close construction-to-permanent options.
Down Payment Help

Bradenton Down Payment Assistance Programs.

Saving for a down payment is one of the biggest hurdles to buying a home in Bradenton. The good news: there are programs available right now that can dramatically reduce — or even eliminate — what you bring to closing.

We're certified to work with all major down payment assistance programs in the Bradenton area, and we'll help you find the right one for your situation.

See What You Qualify For →
FL
Florida Housing
State-level down payment assistance for eligible Florida buyers. Up to $10,000+ available for qualifying borrowers.
HFA
HFA of Manatee County
Manatee County-specific assistance designed for local buyers. Combines well with FHA and conventional loans.
CH
Chenoa Fund
Nationwide down payment assistance available in Bradenton. Often pairs with FHA for 100% financing.
FHLB
FHLB Grant Program
Federal Home Loan Bank grant up to $15,000 for eligible Bradenton homebuyers.
Anna Maria Island near Bradenton Florida
Anna Maria · Bradenton
Why Bradenton Chooses Us

Why Bradenton Buyers Choose The Galli Team.

Local knowledge. National lending resources. We've spent 29+ years building relationships with local realtors, title companies, and inspectors — which means your file moves faster from offer to close.

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Faster Pre-Approvals
Most Bradenton buyers get pre-approved same day. Speed wins offers.
02
Complex Income Pros
Self-employed, 1099, investor — we structure complex files to close.
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Investor Programs
DSCR and non-QM products built for Bradenton portfolio builders.
04
Clear Communication
No call centers. Direct access to your loan team from app to close.
See What You Qualify For in Bradenton →
Bradenton Questions

Bradenton
Mortgage FAQs.

Straight answers from a local Bradenton lender — not vague corporate speak.

Get My Pre-Approval →
Depends on your income, down payment, and goals. FHA is great for first-time Bradenton buyers (3.5% down). Conventional works for those with strong credit. VA is unbeatable for eligible veterans (0% down). DSCR is the go-to for Bradenton investors. We'll match you to the best one for your specific situation.
Yes — Bradenton investors regularly use DSCR loans. Qualification is based on the property's rental income, not your personal income or tax returns. Perfect for buyers expanding their Bradenton or Anna Maria Island rental portfolios.
Requirements vary by program. FHA loans require as little as 3.5% down. Conventional loans may allow 3% down for qualified buyers. VA loans offer 100% financing for eligible veterans. Many Bradenton buyers also use assistance programs or seller concessions to reduce upfront costs even further.
Most Bradenton buyers can get pre-approved within 24 hours, often the same day. Timing depends on how quickly we receive your income, asset, and credit information. A fast pre-approval gives Bradenton buyers a competitive advantage when submitting offers.
Yes. We offer traditional jumbo loans as well as non-QM jumbo programs up to $5,000,000. Common uses in Bradenton include waterfront homes, Anna Maria Island properties, and Lakewood Ranch luxury homes.
Yes. Conventional investment loans go as low as 15% down with strong credit. DSCR investment loans in Bradenton typically require 20–25% down but qualify based on rental income — making them easier to scale.
No. You can purchase a home in Bradenton whether you're a Florida resident or relocating from another state. Many Bradenton buyers work remotely or invest in properties from out of state. We help relocators every week.
Yes. Many loan programs are designed for buyers with lower credit scores. FHA loans and non-QM programs allow more flexibility — making Bradenton homeownership possible even if your credit isn't perfect. We've closed loans for buyers with scores starting at 580.
Bradenton Resources

Helpful Local Links for Bradenton Buyers.

Useful resources for anyone buying, selling, or relocating to Bradenton, Florida.

City & County Services

Schools & Community

Nearby Service Areas

Looking in Nearby Areas?

Sarasota Lakewood Ranch St Petersburg Venice Tampa Wellen Park
Same-Day Pre-Approval · Local Office · 29+ Years

Your Bradenton Home
Starts Here.

Tell us your situation — we'll have a clear path forward within 2 hours. Local expertise, fast approvals, every loan type.

Get Pre-Approved Today → 📞 Call (941) 529-1040
Local Bradenton office No hard credit pull Response within 2 hours No obligation
Get Pre-Approved 📞 Call Now