Karin Gagliano, Loan Officer - CrossCountry Mortgage

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Rochester, NY
Karin Gagliano, Loan Officer - CrossCountry Mortgage

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I help homebuyers build wealth through residential real estate financing. Ready to make your dream home a reality?

Let's chat! 🏡🌟
💎Personal NMLS 1737007 | Branch NMLS 2543933 | Company NMLS 3029💎
Equal Housing Opportunity Mortgage Loan Originator at AnnieMac Home Mortgage, NMLS #338923 (nmlsconsumeraccess.com)
Licensed Mortgage Banker-NYS Department of Financial Services
Equal Housing Opportunity

09/24/2026

✨ Karin’s Fairport Favorites: Mescolata Boutique ✨

If you’ve passed Mescolata on Main Street and haven’t stopped in yet, Gina has a message for you:

COME IN! 💗

Because this is one of those boutiques that’s even more fun once you get through the door.

Mescolata means “a blend” or “a mix” in Italian, and that’s exactly what Gina has created. Colorful clothing, denim, funky accessories, locally made jewelry and pieces from local artisans, all thoughtfully mixed together in a shop that feels fun, welcoming and completely its own.

What I loved most about talking with Gina is that she wants you to leave feeling better than when you came in.
Stop in on your lunch break. Pop in after a long day. Get honest advice. Try something you normally wouldn’t. Have some fun and give yourself a little reset.

And the woman behind it all? Before creating this colorful little corner of Fairport, Gina spent nearly 20 years in corporate banking. Talk about a change of scenery! 💕

This is exactly why I started Karin’s Fairport Favorites. There are some pretty amazing people behind the businesses we pass every day, and I want you to know them.

Next time you’re on Main Street, go say hi to Gina. ❤️

09/10/2026

Do you ever have those days when you get a little reminder of exactly why you do what you do? ❤️ This was one of those days for me......

My borrower (he's been my client since 2018!) has had a lot on his plate lately, so today I helped him knock out a couple of underwriting conditions and take a little of that weight off.

His message back to me honestly made my day. And I think, in a small way, helping him made his day a little easier too.

This job is about mortgages, yes. But more than that, it’s about helping people through moments that can feel stressful, overwhelming, and heavy.

Sometimes they just need someone in their corner who says, “I’ve got you. We’ll figure this out.” I knew it, felt it, and just did it and look what the world gave me back.

And today, I really needed this reminder (thank you, Scott). ❤️

09/09/2026

𝐄𝐯𝐞𝐫 𝐡𝐞𝐚𝐫𝐝 𝐭𝐡𝐚𝐭 𝐫𝐞𝐧𝐭𝐚𝐥 𝐢𝐧𝐜𝐨𝐦𝐞 𝐜𝐚𝐧 𝐡𝐞𝐥𝐩 𝐲𝐨𝐮 𝐪𝐮𝐚𝐥𝐢𝐟𝐲 𝐟𝐨𝐫 𝐚 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞? It’s not always as simple as “I have a lease, so we can use the rent.”

Fannie Mae recently updated how rental income is evaluated in certain situations, including departing residences, investment properties and short-term rentals.

If you’re thinking about renting out your current home so you can buy the next one, buying an investment property, or using rental income to help qualify, reach out to me.

The goal isn’t just to have rental income. It’s to make sure we can actually use it.

𝐓𝐡𝐢𝐧𝐤𝐢𝐧𝐠 𝐚𝐛𝐨𝐮𝐭 𝐦𝐚𝐤𝐢𝐧𝐠 𝐚 𝐦𝐨𝐯𝐞? Send me your scenario and I’ll help you figure out what the numbers and guidelines look like before you commit to anything.

📌 Save this one if becoming a landlord or buying an investment property is somewhere in your plans.

09/04/2026

𝐑𝐄𝐀𝐋-𝐋𝐈𝐅𝐄 𝐌𝐎𝐑𝐓𝐆𝐀𝐆𝐄 𝐒𝐂𝐄𝐍𝐀𝐑𝐈𝐎 #𝟐 👇

𝟏𝟎𝟗𝟗 𝐢𝐧𝐜𝐨𝐦𝐞? 𝐘𝐨𝐮𝐫 𝐭𝐚𝐱 𝐫𝐞𝐭𝐮𝐫𝐧𝐬 𝐦𝐚𝐲 𝐧𝐨𝐭 𝐚𝐥𝐰𝐚𝐲𝐬 𝐭𝐞𝐥𝐥 𝐭𝐡𝐞 𝐰𝐡𝐨𝐥𝐞 𝐬𝐭𝐨𝐫𝐲. 👀

For the right borrower and loan program, there may be another way to document your income, including using your 𝟏𝟎𝟗𝟗 𝐞𝐚𝐫𝐧𝐢𝐧𝐠𝐬 instead of qualifying the traditional tax-return way.

This is 𝟏𝟎𝟗𝟗 𝐞𝐚𝐫𝐧𝐢𝐧𝐠𝐬 real-life scenarios I promised you.

One more coming. And it’s for my self-employed people. 👀

Think your income is “too complicated” for a mortgage? 𝐃𝐌 𝐦𝐞 “𝟏𝟎𝟗𝟗.”

P.S. Know a 1099 worker who needs to hear this? 𝐒𝐡𝐚𝐫𝐞 𝐢𝐭, 𝐥𝐢𝐤𝐞 𝐢𝐭, 𝐨𝐫 𝐭𝐚𝐠 𝐭𝐡𝐞𝐦 𝐛𝐞𝐥𝐨𝐰.🏠

09/04/2026

𝐑𝐄𝐀𝐋-𝐋𝐈𝐅𝐄 𝐌𝐎𝐑𝐓𝐆𝐀𝐆𝐄 𝐒𝐂𝐄𝐍𝐀𝐑𝐈𝐎 #𝟏 👇

You’ve probably heard the term 𝐃𝐒𝐂𝐑 thrown around…but what does it actually mean?

In simple terms: 𝐰𝐡𝐚𝐭 𝐢𝐟 𝐲𝐨𝐮𝐫 𝐩𝐚𝐲𝐜𝐡𝐞𝐜𝐤 𝐝𝐢𝐝𝐧’𝐭 𝐦𝐚𝐭𝐭𝐞𝐫? 👀
For the right investment property, it may be the property’s cash flow that helps qualify the loan, not your W-2 income.

This is #1 of 3 real-life scenarios I promised you. 𝐓𝐰𝐨 𝐦𝐨𝐫𝐞 𝐜𝐨𝐦𝐢𝐧𝐠.

Have an investment property scenario you want me to look at? 𝐃𝐌 𝐦𝐞 “𝐃𝐒𝐂𝐑.”

P.S. Know an investor who needs to hear this? 𝐒𝐡𝐚𝐫𝐞 𝐢𝐭, 𝐥𝐢𝐤𝐞 𝐢𝐭, 𝐨𝐫 𝐭𝐚𝐠 𝐭𝐡𝐞𝐦 𝐛𝐞𝐥𝐨𝐰.🏠

09/02/2026

💡 𝐏𝐑𝐎 𝐓𝐈𝐏 𝐅𝐎𝐑 𝐇𝐎𝐌𝐄𝐁𝐔𝐘𝐄𝐑𝐒💡

Thinking about asking the seller for a $𝟏𝟓,𝟎𝟎𝟎 𝐩𝐫𝐢𝐜𝐞 𝐫𝐞𝐝𝐮𝐜𝐭𝐢𝐨𝐧?

You may want to look at another option first. 👇

Here’s the math on a $500,000 home with 20% down:

1️⃣ $𝟏𝟓,𝟎𝟎𝟎 𝐨𝐟𝐟 𝐭𝐡𝐞 𝐩𝐮𝐫𝐜𝐡𝐚𝐬𝐞 𝐩𝐫𝐢𝐜𝐞e = about $𝟕𝟗/𝐦𝐨𝐧𝐭𝐡 in payment savings.

2️⃣ A seller credit of about $𝟗,𝟑𝟎𝟎 𝐭𝐨𝐰𝐚𝐫𝐝 𝐚 𝟐-𝟏 𝐛𝐮𝐲𝐝𝐨𝐰𝐧 = about $𝟓𝟏𝟏/𝐦𝐨𝐧𝐭𝐡 𝐢𝐧 𝐬𝐚𝐯𝐢𝐧𝐠𝐬 𝐭𝐡𝐞 𝐟𝐢𝐫𝐬𝐭 𝐲𝐞𝐚𝐫 and $𝟐𝟔𝟐/𝐦𝐨𝐧𝐭𝐡 𝐢𝐧 𝐲𝐞𝐚𝐫 𝐭𝐰𝐨. 🤯

And here's what makes this interesting:

You're actually asking the seller for 𝐋𝐄𝐒𝐒 𝐦𝐨𝐧𝐞𝐲, while creating significantly more monthly payment relief for the buyer during those first two years.

The smartest negotiation isn't always about getting the lowest purchase price. Sometimes it's about 𝐬𝐭𝐫𝐮𝐜𝐭𝐮𝐫𝐢𝐧𝐠 𝐭𝐡𝐞 𝐝𝐞𝐚𝐥 𝐬𝐨 𝐲𝐨𝐮𝐫 𝐦𝐨𝐧𝐞𝐲 𝐰𝐨𝐫𝐤𝐬 𝐡𝐚𝐫𝐝𝐞𝐫 𝐟𝐨𝐫 𝐲𝐨𝐮.

Every buyer, loan and transaction is different, so before you decide what to ask for, so let's 𝐫𝐮𝐧 𝐭𝐡𝐞 𝐧𝐮𝐦𝐛𝐞𝐫𝐬 𝐚𝐧𝐝 𝐜𝐨𝐦𝐩𝐚𝐫𝐞 𝐲𝐨𝐮𝐫 𝐨𝐩𝐭𝐢𝐨𝐧𝐬.

👉 Follow for more mortgage strategies and homebuying tips that actually help you understand the numbers.

𝘌𝘹𝘢𝘮𝘱𝘭𝘦 𝘢𝘴𝘴𝘶𝘮𝘦𝘴 𝘢 $𝟧𝟢𝟢,𝟢𝟢𝟢 𝘱𝘶𝘳𝘤𝘩𝘢𝘴𝘦, 𝟤𝟢% 𝘥𝘰𝘸𝘯, 𝟥𝟢-𝘺𝘦𝘢𝘳 𝘧𝘪𝘹𝘦𝘥 𝘮𝘰𝘳𝘵𝘨𝘢𝘨𝘦 𝘢𝘵 𝘢 𝟨.𝟪𝟩𝟧% 𝘯𝘰𝘵𝘦 𝘳𝘢𝘵𝘦 𝘸𝘪𝘵𝘩 𝘢 𝟤-𝟣 𝘵𝘦𝘮𝘱𝘰𝘳𝘢𝘳𝘺 𝘣𝘶𝘺𝘥𝘰𝘸𝘯. 𝘗&𝘐 𝘰𝘯𝘭𝘺. 𝘙𝘢𝘵𝘦𝘴, 𝘱𝘳𝘪𝘤𝘪𝘯𝘨, 𝘴𝘦𝘭𝘭𝘦𝘳 𝘤𝘰𝘯𝘤𝘦𝘴𝘴𝘪𝘰𝘯𝘴 𝘢𝘯𝘥 𝘦𝘭𝘪𝘨𝘪𝘣𝘪𝘭𝘪𝘵𝘺 𝘷𝘢𝘳𝘺.

09/02/2026

If you bought a home 𝐛𝐞𝐟𝐨𝐫𝐞 𝟐𝟎𝟐𝟐, answer this without looking it up:

𝐇𝐨𝐰 𝐦𝐮𝐜𝐡 𝐝𝐨 𝐲𝐨𝐮 𝐭𝐡𝐢𝐧𝐤 𝐲𝐨𝐮𝐫 𝐡𝐨𝐦𝐞 𝐡𝐚𝐬 𝐢𝐧𝐜𝐫𝐞𝐚𝐬𝐞𝐝 𝐢𝐧 𝐯𝐚𝐥𝐮𝐞 𝐬𝐢𝐧𝐜𝐞 𝐲𝐨𝐮 𝐛𝐨𝐮𝐠𝐡𝐭 𝐢𝐭?

A. Less than $50K
B. $50K–$100K
C. $100K–$200K
D. $200K+
E. Absolutely no idea 😂

Drop your guess below.

I'll show you how to get a better idea of the actual number. 𝐍𝐨 𝐚𝐩𝐩𝐫𝐚𝐢𝐬𝐚𝐥 𝐚𝐧𝐝 𝐧𝐨 𝐬𝐚𝐥𝐞𝐬 𝐩𝐢𝐭𝐜𝐡 𝐫𝐞𝐪𝐮𝐢𝐫𝐞𝐝.

08/28/2026

🚨 Realtors: Appraisals are changing November 2nd.

UAD 3.6 will change how Fannie Mae and Freddie Mac appraisal information is collected and reported, and there’s already some misinformation floating around about what agents and sellers need to do.

Here’s what’s ACTUALLY changing and what you need to know. 👇

08/28/2026

The best mortgage hack? Don’t assume there’s only one way to finance a house. 👀

Rate matters. But so do your loan structure, cash to close, seller credits, timing, and what you’re trying to accomplish after closing.

That’s why I’d rather talk strategy than just quote you a rate.

Buying in the next 6–12 months? DM me “HACKS.” Let’s look at your options before you start making offers. 🏡

08/27/2026

🏡 𝐒𝐞𝐥𝐟-𝐞𝐦𝐩𝐥𝐨𝐲𝐞𝐝 𝐨𝐫 𝟏𝟎𝟗𝟗? 𝐁𝐮𝐲𝐢𝐧𝐠 𝐚 𝐡𝐨𝐦𝐞 𝐦𝐚𝐲 𝐛𝐞 𝐦𝐨𝐫𝐞 𝐩𝐨𝐬𝐬𝐢𝐛𝐥𝐞 𝐭𝐡𝐚𝐧 𝐲𝐨𝐮 𝐭𝐡𝐢𝐧𝐤.

One of the biggest misconceptions I hear is: “I’m self-employed, so getting a mortgage is going to be impossible.”

Not necessarily. We have loan options designed for borrowers whose income doesn’t fit neatly into the traditional W-2 box.
Depending on the situation, we may be able to qualify borrowers using things like:

✅ Bank statements
✅ 1099 income
✅ Profit & loss statements
✅ Alternative income documentation

If you're a 𝐛𝐮𝐬𝐢𝐧𝐞𝐬𝐬 𝐨𝐰𝐧𝐞𝐫, 𝐢𝐧𝐝𝐞𝐩𝐞𝐧𝐝𝐞𝐧𝐭 𝐜𝐨𝐧𝐭𝐫𝐚𝐜𝐭𝐨𝐫, 𝐜𝐨𝐧𝐬𝐮𝐥𝐭𝐚𝐧𝐭, 𝐟𝐫𝐞𝐞𝐥𝐚𝐧𝐜𝐞𝐫, 𝐨𝐫 𝟏𝟎𝟗𝟗 𝐞𝐦𝐩𝐥𝐨𝐲𝐞𝐞, don't assume you can't qualify just because your tax returns don't tell the whole story.

𝐑𝐞𝐚𝐥𝐭𝐨𝐫𝐬: If you have a buyer you've been hesitant to send to a lender because they're self-employed, send them my way. Let's take a look before we tell them no.

Take the owner of Optimum Pest Pro's in Canandaigua - new home, new success story!

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Loan programs and qualification requirements vary. All loans are subject to underwriting approval.

Address

Rochester, NY

Telephone

+15854155000

Website

https://www.linkedin.com/in/karingagliano/, https://www.youtube.com/@yourmortgagematchmaker77

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