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Your Local CrossCountry Mortgage Loan Officer

Mike Gallagher

  • Senior Loan Officer
  • Monterey, CA Mortgage Loan Officer
  • NMLS # 120703
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Financing futures with reverse mortgages

Hello! My name is Mike Gallagher. I’ve been originating mortgages and helping families for over 20 years. My production has put me in Mortgage Executive Magazine’s Top 1% of Mortgage Originators in America list in 2016, 2017, 2020 and 2021. At America’s #1 Retail Mortgage Lender, I’m equipped with product options and tools to help clients manage their home financing decisions with an emphasis on long-term wealth creation.

In addition to being a loan officer, I hold a Series 65 license. With this expertise, I’m a trusted professional who not only understands the current mortgage landscape but also how to navigate homebuying and selling decisions in the context of your overall long-term financial goals.

On a personal note, I live in Morgan Hill, CA, with my wife, two daughters and our golden retriever, Copper.

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

Should I buy a house or keep renting?

This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.

Retired woman enjoys a bike ride and her peace of mind after starting her reverse mortgage.

You’ve worked hard for your home. Now it’s time to put your home equity to work for you.

A reverse mortgage allows homeowners aged 55 or older to borrow against their housing wealth while maintaining ownership, title, and control of their home. 

But unlike traditional financing solutions, there is no monthly payment required on the loan — taxes, insurance, and maintenance only.

What will you do with tax-free cash from your home equity? 

  • Improve cash flow and increase savings 
  • Refinance or eliminate existing mortgage and consumer debt 
  • Pay for healthcare expenses and long-term care 
  • Finance home renovations to age safely in place 
  • Buy a new home that better suits your needs 
  • Create a financial safety net with a growing line of credit

It’s time to harness your housing equity to build a better retirement that works for you.*

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*Review the Reverse mortgage requirements found on the product page for additional details.

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