Headshot of Michael Gaggi

Michael Gaggi

Loan Officer

Morganville, NJ Mortgage Lender

NMLS #63106

500 Campus Drive, Suite 101
Morganville, NJ 07751
Contact Methods
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(347) 733-6333


About Michael

My entire life and career have been in industries driven by customer service. In 2002, I was looking for a change and found it in home financing. Since then, I’m proud to have been named a Top Producer and part of the President’s Club at several mortgage institutions. Now at CrossCountry Mortgage, I’m dedicated to continuing this success and making every mortgage feel like a win.

From application to closing and beyond, my team will be there to support you. You’ll receive continuous updates on your loan, and I’ll be available to answer any of your questions. Communication promotes confidence, and I want you to feel confident every step of the way.

Whether you’re buying a home or refinancing, I offer a variety of loan programs to fit your goals, specializing in FHA, USDA, VA, construction financing, and reverse mortgages. We’ll discuss the specifics of each home loan available and personalize the mortgage experience to fit your needs. I can’t wait to work with you on your home financing journey.

On a personal note, I’m happily married to Nalua, who’s also a loan officer. Together, we have six wonderful children and a dog named Clay. My hobbies include playing to a single-digit handicap in golf. I also enjoy tennis, billiards, boating, and, at 60 years old, I always exercise so I can keep up with all the things that make my life so fulfilling.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans
Equal Housing Opportunity

Tap into your
home equity - fast

Would you like to improve your home, pay off higher-interest debt, finance education, or pay for other major expenses? A home equity line of credit (HELOC) can provide the money you need using your home equity.

With CCM Equity Express, the process is fast, secure, and fully automated. Simply take 5 minutes to apply and get 100% of your loan amount in as few as 5 days.

Recent Posts and Articles


A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

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