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First-Time Buyers · Complex Income · Denied Elsewhere
Buying a Home Shouldn't Be
Confusing or Out of Reach.
Whether you're a first-time buyer, self-employed, or unsure what you qualify for — we'll show you exactly how to get approved. No vague answers. No runaround. Just a clear path to your closing day.
No hard credit pull
Response in 2 hours
First-time buyer specialists
No obligation
"I've helped first-time buyers, complex-income borrowers, and people told 'no' elsewhere — for 29 years. There's almost always a path forward."
Chris Galli · Region Manager · NMLS# 13152
29+
Years Experience
50
States Licensed
4.9★
Client Rating
Your Homebuyer Toolkit
Everything You Need to Buy
With Confidence — In One Place.
See what you can afford, learn the process, or get pre-qualified today. However you like to start, there's a tool for it — all in one place.
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What Can You Afford?
See your estimated price range and monthly payment in 30 seconds. No email, no credit pull.
Try the calculator →
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Free Homebuyer Guide
Everything from pre-approval to closing day, in one downloadable guide. Instant PDF.
Get the free guide →
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Play Road to Keys
Walk the path from renting to keys in hand with the Galli Lama — the journey, made fun.
Play the game →
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See Every Program
FHA, VA, conventional, down payment assistance and more — find the one built for you.
Explore programs →
You're in the Right Place If...
You've Been Told "You Don't Qualify" — But You Know There Has to Be a Way.
Every buyer's situation is different. Here's who we work with every week.
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You've been told "you don't qualify" by another lender
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Your income doesn't fit traditional guidelines
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You're self-employed or earn commission-based income
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You want to buy an investment property using rental income
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You're tired of getting different answers from different lenders
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You need help with the down payment
How It Works
Three Simple Steps to
Your Approval.
No 60-page applications. No call centers. Just a clear process designed to get you answers fast.
01
We Review Your Situation
No pressure, no hard credit pull. Tell us about your income, savings, and goals. We listen first — before we recommend anything.
02
We Match You to the Right Program
FHA, VA, conventional, bank statement, DSCR, ITIN — and more. We compare 25+ lenders to find the loan built for your specific situation.
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You Get a Clear Approval Path
No vague "maybes." You'll know exactly what you qualify for, what documents you need, and how fast you can close. Then we move.
SEE YOUR NUMBER
How Much Home Can You Afford?
A quick estimate of your price range and monthly payment — no email, no credit pull. Your real number comes on a call with us.
Your Numbers
Results update as you type
Car, credit cards, student loans — not rent.
Even $0 is okay — assistance programs can help.
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Enter your income and rate to see the home price you could reach.
Estimate only. Assumes about a 43% debt-to-income ratio and estimated taxes, insurance and PMI. Your real approval depends on program, credit, and location.
🎮 Play · Road to Keys
From Renting to Keys in Hand. Ready to Play?
Follow the Galli Lama down the road to homeownership — pre-approval, house hunt, the offer, closing day. A fun two-minute walk through exactly what your journey looks like.
“Every homeowner started with one first step.” — The Galli Lama
Multilingual Team
We Speak Your Language.
Our team provides mortgage services in:
English
Español
Português
Tiếng Việt
Common Questions
Homebuyer
Questions Answered.
No vague answers. We explain exactly how this works before you ever fill out a form.
Get My Pre-Qualification →No. A soft pull does not impact your credit score — only hard pulls do. We start with a soft pull only. A hard pull only happens once you've decided to formally apply and given explicit permission.
We work with self-employed buyers every week. We offer traditional programs (using tax returns) AND non-traditional programs like bank statement loans that qualify you based on actual deposits — perfect if your write-offs make your tax return income look too low.
It varies by program. VA loans require $0 down for eligible veterans. FHA loans require 3.5%. Conventional loans can go as low as 3%. Many buyers also qualify for down payment assistance programs that cover most or all of the down payment.
Almost certainly. Traditional banks use rigid guidelines and don't offer the non-QM programs we specialize in. A denial from your bank does not mean a denial from us. We routinely close loans for buyers who've been told no elsewhere.
Most buyers can get pre-approved within 24 hours, often the same day. Timing depends on how quickly we receive your income, asset, and credit info. A fast pre-approval gives you a competitive edge when submitting offers.
Lower than you probably think. FHA loans accept scores starting at 580. Some non-QM programs go even lower. Conventional loans typically need 620+. We've closed loans for buyers with scores starting at 580 — your situation matters more than just the number.
Most loans close in 21–30 days from contract acceptance. For buyers in competitive markets or under tight deadlines, we can often move faster. Tell us your timeline and we'll tell you what's achievable.
No — we're licensed in all 50 states. Florida is our home base (Sarasota and Bradenton), but we close loans for buyers across the country every month. Relocating to Florida? We help with that too.
Same-Day Pre-Qual · 29+ Years · 4.9★ Rating
Your Path to Homeownership
Starts Here.
Tell us about your situation — first-time buyer, self-employed, complex income, or just exploring. We'll have a clear answer within 2 hours.
No hard credit pull
Response within 2 hours
No obligation
Your info is never sold