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About Gianni Cerretani

RESIDENTIAL LENDING: specialized mortgage banker prcaticing finance a nd rela estae for over 10 years pleas see all the many different programs and incentives we have to offer.

RATES
? BECAUSE WE LEND OUR OWN MONEY WE ARE USUALLY .5% LOWER THEN THE MARKET AVERAGE ON INTEREST RATE: This means your borrower qualifies for more home.
NICHE PROGRAMS
? FHA /> o 203-B: 3.5% First Time Home Buyer loan from $50,000 up to $346,250-county specific-with up to 6% of purchase prices ?seller closing costs
o Example-purchase a house for$358,809 then you could get $21,528.49 in closing costs reduced. Just pay for your appraisal and have 3.5% of the purchase price as a down payment.
? CONVENTIONAL
o 5% DOWN LOW PMI PROGRAM- First Time Home Buyer loan from $50,000 up to $417,000 LOAN AMOUNTS-with up to 6% of purchase prcies-seller closing costs
o Example- purchase a home for $429,896.91 then you could get $25,193.81 in closing costs reduced. Just pay for your appraisal and have 5% of the purchase price as down payment.
? VA
o 100% purchase loans- This is great to have the ability to offer a no down payment loan Just for to those who qualify and 6% seller paid closing costs
? USDA
o 100% purchase loans WE HAVE JUST BEEN GIVEN NOTIFICATION THAT USDA NOW HAS FUNDING TO FACILITATE PURCHASES -100% FINANCING IN USDA APPROVED AREAS and 6% seller paid closing costs
? JUMBO
o 90% purchase loans
o 90% LTV ON LOAN AMOUNTS UP TO 800K WITH MO PMI-PURCHASE OR REFINANCE
o DTI UP TO 50% ON PORTFOLIO PRODUCTS
o RATES ARE ALWAYS 1% LOWER THEN THE JUMBO MARKET ON OUR PROTFOLIO PRODUCTS

GUIDLEINES & UNDERWRITING
? HIGH DTI LIMITS
o FHA-we have the ability to go up to 57% debt to income ratio on FHA loans as long as we get an AUS/DU/LP accepts.
o CONVENTIONAL- We can even go as high as 52% debts to income ratio on conventional loans as long as we get an AUS/DU/LP accept

COMMON SENSE UNDERWRITING-In today?s market many major banks and other lending facilities have severely tightened up there underwriting guidelines due to the lack luster underwriting that occurred during the subprime market. Although we feel it is very important to stick to guidelines we also use common sense underwriting in certain situations that may not fit a guideline mold. Too many qualified customers get turned down because common sense underwriting has gone out the window. We are proud to say that we look at the whole picture before making our final decision on whether to approve and or fund a loan.


COMMERCIAL LENDING: For you existing business or future Business owners: Our Team also has a significant amount of experience with commercial lending. We offer a full portfolio of both traditional commercial finance sources, as well as ?outside the box? solutions for your investor or commercial clients. We have the ability to place commercial loans as small as $100K up to $1 Billion and beyond. Our portfolio consists of traditional bank funding, as well as hard money sources, hedge funds, individual and private investment firms and large Wall Street entities AND SBA Lenders. We are always willing to take a look at a commercial transaction and offer advice on how to structure it to fit one of our investors? guidelines.See MoreRead Less

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Reviews about Gianni Cerretani

Your Friend

As a first time home buyer I was very confused with the whole process and what I had to do. Gianni took the time to explain EVERYTHING to me and made sure I was able to understand it all BEFORE he even started any kind of paperwork. My real estate agent told me it would take close to 45 days to get all the paperwork said and done for the closing; Gianni had it all squared away in 3 weeks and we closed almost a month earlier than expected. I couldn't have found a better agent to handle my first house. You'd be absolutely insane if you didn't have Gianni as your mortgage broker!See MoreRead Less"

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Your Friend
5

I've known Gianni for over four years starting with his active and valued work with the Cobb Chamber of Commerce. I've seen him repeatedly go out of his way to support the community and provide mortgage services to area homeowners. He does not do that passively. If you want someone to aggressively and knowledgeably work on your behalf, I recommend Gianni Cerretani."

Gianni's Reply

 

Your Friend

Not only is Gianni one of the best Mortgage Brokers in town, His love for community, support for people in need, networking guru, make him a truley a wonderful, person! His focus in not on what he can do to help himself, but what can he do to serve you and our community. A true servant leader."

Gianni's Reply

 

Your Friend

I highly recommend Giianni He takes care of his clients/Realtors.
Gianni is always doing what ever it take to get the job done. I was very impressed when he would call me at 8:00 P.M. to keep me informed on information. Thank you G."

Gianni's Reply

 

Your Friend

Gianni is a true professional. He understands the mortgage market and is able to communicate that understanding. He stays on top of everything. I am steering my family members to him for all their mortgage needs."

Gianni's Reply

 

Your Friend

Gianni is not only incredibly well-versed in all things "mortgage" he is also a highly caring and compassionate individual working with Homes for Heroes and other worthwhile endeavors. Check him out!"

Gianni's Reply

 

Your Friend

It is my pleasure to serve with Gianni on Homes for Heroes, of which he is an avid supporter and participant. I truly enjoy his enthusiasm and love for his Country."

Gianni's Reply

 

Your Friend

I'M CONNECTED WITH OVER 300 MORTGAGE LOAN OFFICERS - I'M EXTREMELY IMPRESSED WITH HIS KNOWLEDGE AND HOW WELL HE TAKES CARE OF HIS CUSTOMERS !!!!! "

Gianni's Reply

 

Your Friend
5

Gianni was very thorough and went above the call of duty to get the loan closed in a timely fashion."

Gianni's Reply

 

Your Friend
5

Gianni is very professional and thorough with his work. It was a pleasure doing business with him."

Gianni's Reply

 

Your Friend
5

Gianni made a complicated mortgage easy for us. I would highly recommend his services."

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Your Friend

Gianni is a well connected mortgage banker with a heart for people."

Gianni's Reply

 

Your Friend
5

Professionalism combined with a strong sense of civic duty."

Gianni's Reply

 

Your Friend
5

Gianni is extremelly professional and a joy to work with."

Gianni's Reply

 

Your Friend
5

Great Fellow and Highly recommended!"

Gianni's Reply

 

Your Friend
5

A trustworthy guy!"

Gianni's Reply

 

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