“This was my first time buying a home through Gagliano Mortgage and it was a fantastic
experience. Andy made everything so simple for me. I never had a problem reaching him. I used the VA loan and I've tried other lenders before and being self-employed it's always been a
struggle, but not here. If you're self-employed, I don’t think there's anyone better for you than
Gagliano Mortgage.” – George

“Excellent experience. Luke and Andy provided fantastic service, found us competitive rates
and made a very complicated process easy to navigate. They were always quick to respond to
any questions we had and always had simple, easy to understand answers.” - Jason Botop

These are two of 41 rave reviews of Gagliano Mortgage, Inc., a company that has earned all
five-star reviews on Google, which is a testament to their level of client satisfaction.

Trusted. Tried. True. Andy has years of experience in the mortgage industry. Entering into the
industry after graduating from college, he learned a lot. “It was the best and worst experience I
had as far as working for another company,” he says. “I learned a lot of what to do as much as I
learned what not to do.”

Little did he know that the experience that he gained would be invaluable. “I used that
knowledge to help form the way I wanted Gagliano Mortgage to help people in the future,” he
comments.

Andy's entrepreneurial spirit led him to found Gagliano Mortgage at the young age of 24.
Despite doubts and challenges, he was determined to create a mortgage company that would
make a difference. With determination and a belief in his ability to succeed, Andy took
the leap and embarked on a journey to start a company that would lead him to a long career in the mortgage industry.

One of the cornerstones of Gagliano Mortgage's success is the emphasis placed on building and nurturing relationships. Renting his first office space from a local real estate company, Andy had the opportunity to establish strong connections with real estate agents. These relationships provided valuable insights into the needs and preferences of agents, which allowed him to better serve its clients and create a seamless homebuying experience.

“I learned what real estate agents like and don’t like,” he candidly comments. “I heard the
horror stories and that gave me direction on what to do and how to help clients. I always had
the attitude of treating clients like family.” Andy treats every loan like it was his own loan.
“We offer personalized customer service,” adds Andy. “We’re a small company and a buyer
won’t get lost and be another number with us.” By giving borrowers more attention and
customer service than an online lender, the level of satisfaction is higher.

Andy and his team take the time to understand the unique circumstances and challenges faced
by each borrower. They provide guidance and support to clients who may not currently qualify
for loans, offering a roadmap for future homeownership. “People just need some guidance to
know what they need to do today or tomorrow to qualify for a mortgage,” he says. Helping
others is what Andy and his team do best. The commitment to personalized customer service
sets Gagliano Mortgage apart from online lenders, ensuring that every borrower receives the
attention and care they deserve.

Andy has stood the test of time in the industry, making it through the Great Recession in 2008
and the pandemic. Pushing through hard times came easily to him by putting others first. “I
made it a customer-centric business,” he explains. “I focus on customers and referral partners.”

Gagliano Mortgage understands the importance of continuous growth and education for both
its team and referral partners. Shannon Driver, Andy's VP of Business Development, and Andy organize two real estate events each month where real estate agents can learn new tactics and strategies to enhance their business.

A monthly mastermind session and a monthly lunch-and-learn event keep everyone updated on the latest trends and developments in the mortgage industry. By empowering referral partners to excel in their respective fields, Gagliano Mortgage aims to serve as a valuable resource and a trusted partner for the real estate community.

“We want to help our referral partners become better at what they do,” says Andy, “so they
can be better servants to their buyers and sellers.”

Andy's personal life centers around his family. He is married to Tammy, and they have one
grown son who lives in Birmingham. While they don't have grandchildren yet, Andy and Tammy
cherish their close-knit family and are deeply connected to their immediate relatives.
In his free time, Andy enjoys outdoor activities like hunting, hiking, and fishing, as well as
engaging in sports. Andy's number one passion is turkey hunting, which has taken him to 49
states across the United States. “I want to kill a turkey in every state,” he says. What’s
left on his list? Pennsylvania, California, and Alaska. “Alaska doesn’t have a huntable wild turkey population, so I have 2 states left to finish my goal,” he points out.

Why wild turkey hunting? The thrill of the hunt and the intricate dance of calling in a wild
turkey captivate Andy, allowing him to truly unplug from the world and be present in the
moment. It's a hobby that has brought him closer to nature and provided many delicious meals
of wild turkey.
 
Leading the Way in Mortgages

Andy Gagliano's unwavering dedication to customer satisfaction, personalized service, and
continuous growth has positioned Gagliano Mortgage as a leader in the mortgage industry.
Through learning from experiences, building relationships, prioritizing personalized customer
service, and fostering a culture of growth and education, Gagliano Mortgage is making a lasting
impact in the lives of its clients and referral partners.