Finding the right lender for your mortgage application can be challenging. Whether you’re a first-time homebuyer or buying an investment property, the Michael Gailliot Homes team can help lead the way when it comes to the right lending. With our years of experience, we’ve been able to develop a network of the best lenders in the Northern Virginia area, offering you the opportunity to be with top professionals who can provide you with expert advice. Starting from preparing the documents down to enhancing your financial capabilities so that you will get your applied loan at a lower interest rate – we got you covered. 

Our lenders put our clients’ firsts. No case is too complicated, and no financial situation is too complex. Our team relishes a challenge—let’s talk about what makes you different. Driven by strong values, consistent work ethics, and the desire to improve lives by creating financial stability, the team at Michael Gailliot Homes has you covered. 


At Michael Gailliot Homes, we do not have customers or clients; what we have is family. Our team always considers homebuyers and homesellers as part of the family — and the family never leaves one another, especially on your moving day. As a customer-centric real estate business, we guide you through every step of the homebuying process. While it can be intimidating, we will help break everything down into its simplest terms, helping you successfully navigate the marketplace. 

Moving to a new home can be overwhelming; you can encounter minor issues like missing items for documentation or not knowing how to maximize the loan process. At Michael Gailliot Homes, we will not let these issues dampen the excitement with purchasing a new home. We are highly committed to making your transaction with us smooth and stress-free from beginning to end. Our experienced lenders will guide you on selecting a mortgage loan that will fit perfectly with your financial situation.

We have partnered with a trusted and licensed technology company that will make sure that your move into your new home will be smooth and stress-free. All you have to do is to settle in your new home and enjoy every minute of it. Having aligned with many lending institutions to create a comprehensive portfolio of residential mortgage solutions, Michael Gailliot Homes offers the most competitive loan programs and interest rates in the industry.

Expert help when you need it!

  • Getting Pre-Qualified gives you extra leverage when you find the home of your dreams.
  • Let our mortgage experts help you find the loan program that meets your family’s needs.
  • Know how much you can afford so you can house hunt with confidence.
  • Get a heads up on any credit issues and expert advice along the way.

We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we commit to you: we will help you qualify, apply and be approved for the ideal mortgage for you. Call us today at (571) 485-0070 to bring you closer to home.


Which type of loan is best for you?

To determine which type of loan is best for you, it’s best to speak with the lender about your options. The mortgage lender should tell you the pros and the cons in light of your situation.

What is the interest rate and annual percentage rate?

A loan’s annual percentage rate (APR) is derived through a complex calculation that includes the interest rate and related lender fees divided by the loan’s term. Keep in mind that not all lenders compute the same interest rate and percentage rate. Lenders can move the needle on your mortgage interest rate in several ways, most of them involving additional fees.

Once you’ve decided on a lender, you may want to lock in your interest rate at some point. This ensures that it doesn’t go up — though it won’t go down, either. When you have zero-discount-point APRs from competing lenders, you can see who has the lowest fees for the same payment rate. 

How much down payment will I need?

The commonly accepted answer to this question is 20%, but that’s not always mandatory. Qualified buyers can find mortgages with as little as 3% down or even no down payment. Again, there are considerations for every down payment option. Lenders tend to offer the lowest interest rates when you have at least 20% equity in your home.

What are all the costs?

The cost of a loan includes lender fees, as well as related third-party vendor fees—including appraisals, credit reports, the title policy, pest inspection reports, escrow where applicable, recording fees, and taxes. These costs will be detailed in your official Loan Estimate document and your almost-time-to-sign Closing Disclosure. Lenders must deliver the Loan Estimate, which should include all the fees that should be part of the overall cost.

What will my monthly payment be?

Determining your monthly house payment is an essential part of figuring out how much house you can afford. That monthly payment is likely to be the most significant part of your cost of living. For this, you will need to use a mortgage calculator and speak with your realtor and lender to understand the terms and conditions thoroughly.

Do you have an origination fee?

An origination fee provides additional profit for the lender beyond what’s built into the interest rate. Sometimes lenders charge origination fees, which are upfront fees charged for processing a mortgage loan application. These fees are sometimes referred to as lender fees, and they are generally between 0.5–1% of the loan amount.

How long until my loan closes?

Closing your transaction on time is a big issue. The average time to close on a purchase loan was 45 days. You can speed up the process by getting a mortgage pre-approval and saving for a down payment before you start looking. 

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©2019 BRIGHT, All Right Reserved. Information deemed rele but not guaranteed. The data relating to real estate for sale o this website appears in part through the BRIGHT internet Data Exchange program, a voluntary cooperative exchange of property listing data between licensed real estate brokage firms in which Century 21 New Millennium participates, and is provided by BRIGHT through a licensing agreement. Real estate listings held by brokerage firms other than Century 21 New Millennium are marked with the IDX logo and detailed information about each listing includes the name of the listing broker. The information provided by this website is for the personal, non-commercial use of consumers and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Some properties wich appear for sale on this website may no longer be available becuase they are under contract, have Close or are no longer beingt offered for sale. Some real estate firms do not participate in IDX and thier listings do not appear on this website.Some properties listed with participating firms do not appear on this website at the request of the seller. Data last updated on 2019-06-07.