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    Michael Galanti - Guaranteed Rate

    5.0 (1 review)
    Closed • 9:00 am - 5:00 pm

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    6 years ago

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    Michael G.

    Happy to help make your home your dream home!

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    Brightwire Loans - Brightwire Loans square logo

    Brightwire Loans

    (33 reviews)

    My husband and I had the pleasure of working with Todd and his team as first-time home buyers, and…read morethey all did a phenomenal job. We originally discovered Todd through Yelp and decided to give him a call, he was readily available to answer all our questions and get the process started. Once all our paperwork was submitted, he was able to get our preapproval quickly, little did we know we would be on a lock down due to the pandemic shortly after. Fortunately, Todd was understanding and had patience with us during this crazy time. Once things got a little less hectic, we were able to pick back up where we left off. He took the time to explain our loan options on multiple occasions and was ALWAYS available to answer all our questions. Todd put a lot of hard work and dedication into getting us the right loan that worked for us, all while keeping our best interest in mind. He was able to provide us with an FHA option as well as a conventional. We decided on the FHA since it made more financial sense for our situation. We were made aware by our realtor that the process for an FHA loan can take longer than others, but with the dedication of Todd and his team we were cleared for our FHA purchase in only 11 days!!! The seller really wanted to close by a certain date which seemed impossible at first, but Todd pulled through and made it happen. He communicated very well with our realtor and attorney throughout the process, everyone worked great together overall as a team. Being a first time home buyer can be both stressful and scary, we had a million and one questions, we would call the office throughout the day, as the phone would ring on my end I would think to myself "they probably think we are so annoying", but once they answered the phone they were very patient and tentative and made us feel extremely comfortable no matter how many times we had to call them. In conclusion, Todd took a major weight off our shoulders by guiding us throughout this entire process. I would highly recommend Todd and his team to anyone looking for a mortgage loan. His services are outstanding, and we will forever be thankful for all their dedication to get us into our first home!!!

    As a realtor, great experience working with Todd at Brighwire on a few transactions. Always a…read morebreeze getting right to the closing table!

    Block Financial Resources

    Block Financial Resources

    (59 reviews)

    Flatiron

    Five stars for Sean. He is a consummate professional--highly attentive, knowledgeable, and patient…read morefrom mortgage pre-application through closing. His expertise, style, strong relationships with a wide array of lenders, and team orientation (working very smoothly with my real estate agent and lawyer), made the mortgage process easy, securing a great rate for me. Sean's talent and expertise will save you an enormous amount of legwork in NYC's high-speed competitive real estate market. Highly recommend him for anyone looking for top-notch service in NYC.

    Sean and Nicole are so kind, professional, and knowledgeable; they had our best interests in mind…read moreand we felt trust in them throughout the entire process. Despite the uncertainty of the current landscape, we were provided with frequent check-ins and guidance. Sean took the time to listen to us and to talk us through everything, and getting all our documents organized and uploaded felt pretty straightforward. Nicole and Sean were always impressively prompt in answering our questions and allaying our anxieties, and managed to get us rates that beat our local banks' by far! Our entire process was virtual, and we'd had little sense of what to expect before working with Sean. With larger institutions, I'd felt like just a number, but Sean really went above and beyond in helping us understand the process, as well as in advising us about how to proceed. Nicole and Sean definitely smoothed a complicated process, and we felt super lucky to work with them! Block has the best rates and the best service, and they really understand the NYC market.

    Longbridge Financial - Corporate HQ

    Longbridge Financial

    (11 reviews)

    NIGHTMARE for Platinum Reverse process! In April of this year I had a major decision to make,…read moreeither I sell my home in Florida or get a reverse. At 71 I cannot afford to retire unless I do one or the other. So, I decided to go with the reverse with the hope to live out my final years enjoying the home I worked hard for all of my life. I started on April 30 with Michael S. and I provided numerous documents he requested in a rapid way. At the end of May the appraisal came in which was much lower than what the house is truly worth by $200,000 (appraiser here since 1982). He refused to allow me to challenge it, my choice was either accept it or end the loan. The appraiser made numerous mistakes including saying it was in a different neighborhood, using a 2 year old comp as their #2 comparison in a different neighborhood that didn't come close to matching my house. I decided just to accept it so I could get the loan done. Michael was rude, wouldn't ever communicate. When I accepted the appraisal, I falsely assumed it wouldn't be long until closing; I was wrong. There was a lack of communication with him and his loan processor Kathryn; I wouldn't hear from them for days. Then I was told Michael was no longer with the company after weeks of silence and was switched to another loan officer Saher who has been kind, and who told me Michael would still make his $9,000 commission from me, she wouldn't make anything, absolutely ridiculous that he should make even $1 from me. Then in mid July I started getting bombarded with documents I had to provide, why wasn't I asked for these in May or June?. They needed the last 2 years of my mortgage statements, so I wasted at least 2 hours downloading each one off my lender's website, sending them to Saher. That wasn't good enough, they needed one document from my lender showing all payments which at first the lender was reluctant to provide. Then 2 weeks ago I was suddenly asked about my HOA. Why wasn't I asked for that HOA information in May or June? I got online and requested a copy of my payments with my HOA that only went back to January 2025 as that is when the management company took over, and I forwarded that email to Saher. Nope, that wasn't good enough, so I provided a copy of my last 6 month payment in June 2025, that wasn't good enough, I was then told a company by the name of HomeWise would have to step in who charges $300 to get the information from the HOA. One absurd delay after the next, nothing but pure red tape. Then the final hurdle arrived. I gave Michael my insurance agent's name and number in early May, then suddenly last week I was told I would have to completely change my coverage, which I cannot do what they are asking for would cost me $25,000 a year, I'm paying over $8,000 as it is, they were asking for ridiculous things like coverage for never ending water (my house has never had a claim), and they wanted full roof replacement coverage when I have a 20 year life expectancy certificate and a wind mitigation on my hard to damage tile roof. The ridiculous underwriter FINALLY made a call to my insurance agent last week (should have been done in May or June, and was questioning him why I "only" had $800,000 coverage on replacing my house, well it's because that is all it would cost. It has been very clear throughout this process that Longbridge never intended on giving me this loan and has been searching for a way out that couldn't be used against them, and it is also very clear no one working there cares at all about the stress they put on their elderly clients, using numerous people who the file gets moved to, it sits on their desk ignored until that person gets around to it, then passed on to someone else. I was also not told correctly that I had to replace a cover on an outside outlet, then was questioned why I hadn't replaced it when I didn't know I had to. I sent my handyman, no one told me where it was, so he assumed it was on the back porch. The appraiser came back and I learned it was on the back porch. Someone should have told me, I had to pay him twice! On Thursday I reached the end of my rope after wasting hours and hours of my time trying to comply with every ridiculous request, and sent an email stating I needed an answer, yes or no to my loan. ZERO RESPONSE. I have wasted the most critical time of the year to sell my home, the summer months while the incompetent crew at Longbridge (way too many people who don't know what they're doing) has simply wasted my time acting like it is no big deal to keep stringing this elderly 71 year old woman along for months who is at a critical juncture in her life, who now has to rush to get the house on the market and get it sold so I can retire. Not only did they waste my time, but money, going through counseling, paying for an appraisal that was a total disgrace. I will be filing a report with the BBB. Do better Longbridge, this borders on elder abuse!

    I should've read these reviews before applying for a reverse mortgage with this company! The loan…read moreofficer Allan was friendly throughout the process but after months of supplying document after document, the underwriters denied us the loan supposedly because my brothers income tax listed the house as commercial instead of residential therefore nullifying any income from tenants that would've put us over the threshold needed.It's confusing because they're in a ZERO-risk loan in which they would be paid back (plus interest) when the house would eventually be sold! They all also lost thousands of dollars in commissions and the out of pocket costs that they paid! What a shame...Now we have to apply at another bank!

    Bobby Papadopoulos - Contour Mortgage Corporation

    Bobby Papadopoulos - Contour Mortgage Corporation

    (33 reviews)

    Compassionate, dedicated, kindhearted, perseverant, helpful and impeccable - those are the…read morequalities you should want in someone you work with in business. It is quite important to ensure you have those skills in someone when you are a first-time home buyer. You will hit the lottery if you use Bobby Papadopulos as your loan officer. There are not enough words to express the upmost gratitude and satisfaction with his services or his team. There are so many people in this industry for quick cash and possibly the wrong reasons. Bobby is the complete opposite. I was more than defeated in the home loan process. After a random yet quick search on Yelp, I found Bobby and decided to message him. I see why he has five stars. Although skeptical, because who is perfect? I have seen perfection in his abilities. Bobby allowed me to call him at 7:00 AM, through tears and disarray coming from my end, he stated, "I will help you". My situation was far from easy, he decided to still help us. Through diverse companies not explaining the process or requiring funds without explanation, Bobby held our hands throughout this entire process. From day one to closing day and beyond, Bobby does not leave you. He takes the time to explain to you what is occurring, why it is occurring and how to ensure a successful closing, organize finances and better yourself. He is extremely patient and understanding. He has worked in his personal time to guarantee deadlines would be met and satisfied. Without being local to me, he communicated with agencies near me to get the work done. Five stars does not compare to the amount that he and Contour Mortgage deserves. He has completely changed our lives for the better. Bobby is someone I wish was in every field not just the mortgage company because he brings professionalism, kindness, and perception. If you are looking for a home, find a home with a person who cares about your wellbeing above all. That will shape your mindset for your new journey- Bobby is the person to set you up on the right path. I will highly recommend him to anyone and everyone.

    If you're looking for a mortgage lender who actually cares, go with Bobby. He made my first…read morehome-buying experience seamless despite a very tough market. Bobby is attentive, always available, and incredibly thorough. He never missed a call or text and was always ready with a solution to get my offer noticed. He truly listened to my needs and helped me close on the perfect home. 10/10 recommendation

    Michael Galanti - Guaranteed Rate - mortgagelenders - Updated September 2026

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