Your Trusted Mortgage Partner in Birmingham

Personalized Lending Solutions Backed by Experience

01

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02

Analyze Your
Loan Options

This free calculator crunches the numbers for you.

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03

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Why Homebuyers and Investors Choose Gagliano Mortgage, Inc.

Choosing the right mortgage takes more than comparing interest rates. At Gagliano Mortgage, Inc works closely with each borrower to understand their financial goals and recommend loan options that fit. Whether you are buying a home, refinancing, or growing your investment portfolio, you get clear communication, flexible loan choices, and a smooth process from application to closing.

1

Customized Mortgage Guidance

Every borrower has different finances and different goals for owning a home. We take time to learn about your situation, then recommend loan options that suit your budget, your timeline, and your long-term plans.

2

Fast and Efficient Loan Process

We keep the mortgage process simple from start to finish. With clear communication and well-organized paperwork, we help prevent delays and keep your loan moving toward closing.

3

Flexible Financing Options

We offer a wide range of mortgage programs for first-time buyers, veterans, self-employed borrowers, and homeowners who want to refinance or tap into their home equity.

4

Local Expertise You Can Trust

Based in Birmingham, Alabama, we know the local real estate market and how lending works in this area. That knowledge helps us guide you toward smart, well-informed financing decisions.

5

Dedicated Customer Support

We value honesty, quick responses, and personal attention at every stage of your loan. Our goal is for you to feel informed and supported from your first consultation to closing day.

6

Long-Term Financial Solutions

A mortgage should support your future, not just your current situation. We help clients build a sound financial plan by choosing loan structures that match their long-term goals.

Mortgage Solutions Designed for Every Stage of Life

At Gagliano Mortgage, Inc., we specialize in VA home loans and other mortgage options that fit your needs. Led by Andy Gagliano, our team provides a smooth, professional experience for homebuyers and homeowners across Alabama.

Home Purchase Financing

At Gagliano Mortgage, Inc., we make financing a home simple and clear. Whether you are buying your first home in Birmingham or moving to a larger property in Montgomery, our team helps you compare loan options that fit your budget and long-term goals.

VA Loan Solutions

Andy Gagliano and the team at Gagliano Mortgage, Inc. help eligible veterans and service members find a VA loan that fits their plans. Whether you are buying a single-family home in Mobile or a multi-unit property in Tuscaloosa that you will live in, we guide you through each step of the approval process.

Refinancing and Equity Solutions

Refinancing can be a powerful tool for Alabama homeowners. Whether you want to lower your monthly payment, consolidate debt, or use your home equity in Huntsville, we work with you to build a refinancing plan that supports your financial goals.

Testimonials

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Ann Majcher profile picture
Ann Majcher
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Andy Gagliano with Gagliano Mortgage is truly outstanding. He is incredibly kind, patient, and makes the entire mortgage process feel so much less stressful. Andy really holds your hand from start to finish, explains everything clearly, and makes sure you understand each step along the way. What impressed us most was how many different mortgage products and loan options he was able to offer. He took the time to understand our situation and helped us find the right financing option to get the loan we needed. If you are looking for a knowledgeable, caring, and dependable mortgage lender in Birmingham, Alabama, I highly recommend Andy Gagliano and Gagliano Mortgage. His customer service, communication, and attention to detail are exceptional.
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Richard Thomas profile picture
Richard Thomas
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Andy helped us refinance our house. He did an excellent job of presenting all of our options. Having had several past mortgages and a refinance on a previous home, working with Andy was by far the simplest.
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Noal Sellers profile picture
Noal Sellers
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I have purchased two homes with the help of Andy and he has been fantastic. Once we were working on buying a home and he dropped in one evening with a packet in hand. He had worked on it all day and brought it that evening so we could have time to review everything a day early. He did not have to do this because we had given him last minute notice and did not expect the packet until the 5 PM closing the next day but he worked overtime to finish ahead of time and on top of that drove it over to us.
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Henry & Eva Dubois profile picture
Henry & Eva Dubois
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Andy has years of experience in the mortgage business and has seen and solved every problem imaginable. If you're self-employed or have a unique situation, Andy can help you. He's a breath of fresh air in a process that's often extremely frustrating. Call him first.
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Tony Somers profile picture
Tony Somers
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Andy has been a valued and trusted friend to me ever since I met him. I know can trust him as a professional to get me the best opportunity and I cant wait for him to help me with my home mortgage loan. I would recommend him to anyone in my family and friends in the Birmingham area for their needs! 10/10 service and a quality interaction every time!
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Alecia Barksdale profile picture
Alecia Barksdale
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Andy Gagliano is an absolute pleasure to work with. He is incredibly knowledgeable about the mortgage industry and has a genuine willingness to share his expertise. I highly recommend Andy Gagliano at Gagliano Mortgage to anyone looking for a dedicated mortgage professional!
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Brooke Patterson profile picture
Brooke Patterson
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Gagliano Mortgage is a fantastic group! Andy has over 30 years experience and has access to so many different programs. He is in the business of saying "yes." He's an expert, and he does a fantastic job!
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Ernie Jonseof profile picture
Ernie Jonseof
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Amazing mortgage broker! In a crowded space experience and attention to detail matter. I highly recommend Andy to help with your real estate loan!
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Dawn Gagye profile picture
Dawn Gagye
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My husband (disabled veteran) and I were considering a move and needed to check on what possible roadblocks were in the way for qualifying for a mortgage. We had come to Andy for a second opinion and he walked us through the whole thing and helped us plan for the next steps. He was empathetic, professional, mindful, and put us at ease even when we determined we have to postpone our next home purchase. We felt confident every step of this process (Andy made it easy!) and we completely trust Andy with future needs. Both my retired US Marine Special Forces husband and I would recommend Andy wholeheartedly to anyone in need of a mortgage in Greater Birmingham. 10/10!