Loan Officer Location
About Me
Loan Officer · NMLS 187724
Nick Gallicchio has been in the industry for over 15 years. In his career he has been a top producing Loan Officer and Branch Manager, as well as several years in upper management for Operations. He has been nicknamed by some as the "Mortgage Guru", this is name well deserved as his knowledge, experience, customer service and overall how he works hard to be advocate for his clients has earned him this over his time. Nick strives to foresee any and all issues or items needed to make the customers experience as smooth and as painless as possible. His average turn time from initial application and disclosures being accepted from the borrower to closing has been under 30 days consistently over his years. Rest assured that Nick Gallicchio will never look at you as loan number but as a person that has trusted him with one of the most important decisions we can make in our lives..... Our Homes!!!!! By time the transaction is completed he hopes to be able call his friend!
My Location
NJRD 500 Craig Rd, Suite 202, Manalapan, NJ 07726
Social Survey View
Nick Gallicchio's
OVERALL RATING
4.7/5.0
Total 1,186 reviews
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"I had a great..."
I had a great experience,the communication was great.Everthing was top notch.
Felicitas
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"Very professional"
Very professional
Joseph
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"everything went..."
everything went smooth and Nick was always available to answer questions and ready to hel[
James
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Loan Program View
LOAN PROGRAMS
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Reverse MortgagesA reverse mortgage loan, like a traditional mortgage, allows homeowners to borrow money using their home as security for the loan. A Home Equity Conversion Mortgage (HECM), the most common type of reverse mortgage, is a special type of home loan only for homeowners who are 62 and older. Also like a traditional mortgage, when you take out a reverse mortgage loan, the title to your home remains in your name. However, unlike a traditional mortgage, with a reverse mortgage loan, borrowers don't make monthly mortgage payments. The loan is repaid when the borrower no longer lives in the home. Interest and fees are added to the loan balance each month and the balance grows. With a reverse mortgage loan, homeowners are required to pay property taxes and homeowners insurance, use the property as their principal residence, and keep their house in good condition.1 American Financial Network, Inc. is not acting on behalf of or at the direction of HUD/FHA or the federal government. Borrowers must continue to make property tax, insurance, and other maintenance payments in order to avoid risk of default. 1. https://www.consumerfinance.gov/ask-cfpb/what-is-a-reverse-mortgage-en-224/
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ConventionalIndustry standard loan programs with purchase and refinance options for most borrowers. These programs follow lending rules set by Fannie Mae and Freddie Mac and have the reputation for being the most affordable and quickest to close in the mortgage industry.
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FHAInsured by the Federal Housing Administration, these loans are a great option for homebuyers looking to put the minimum amount down as possible, homeowners looking for simple refinance options, and for borrowers with less than perfect credit.
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VAJust for veterans and surviving spouses! Finance up to 100% of your new home’s value with no money down, and no private mortgage insurance; or refinance your home quickly and easily with minimal paperwork.