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401 S. Old Woodward #457
Birmingham, MI 48009

Cell: (313) 205-5609
Office: (313) 205-5609

SVP of Mortgage Lending and Corporate Outreach

Tony Gatliff

NMLS 441507 Cell: (313) 205-5609 Office: (313) 205-5609 Apply Now Watch Video

Tony Gatliff has been an effective leader in the mortgage industry for over 20 years. He is a VA Home Loan Certified Loan Officer and has extensive experience with VA, FHA, Conventional and Non-Conforming Loans. Tony is still in both the origination side – where he specializes in fitting clients into the best mortgage program to fit their needs, while providing exceptional customer service – as well as the management side, where he specializes in hiring and supporting top producing, experienced loan originators to maximize their earning potential and attain their career goals.

He has been a mortgage originator for over 20 years, doing residential mortgage loans in all 50 states, Washington, DC and the U.S. Virgin Islands. During that period of time, he has closed well over 4,000 loans with a total volume of well above $1 Billion. The way he attained that level of business was priding himself on 24-Hour customer service to his clients, competitive pricing, and excellent knowledge of the residential mortgage lending environment. Should you, or anyone else you know, be looking for a purchase or refinance home loan – please feel free to contact Tony right away for amazing customer service, professionalism and experienced insight.

Born and raised in Grosse Pointe Farms, Michigan, Tony is a graduate of Grosse Pointe South High School and Western Michigan University. In his spare time, he enjoys mountain biking, playing competitive hockey, basketball, squash and golf, as well as traveling as much as possible. Tony is also an avid piano and bass guitar player.

Some of Tony’s favorite movies are “Casino”, “Step Brothers” and “It’s a Wonderful Life” and he immensely enjoys the television shows “Curb Your Enthusiasm,” “Mad Men,” and “The Sopranos.”

Tony currently resides in Grosse Pointe Park, MI with his beautiful wife, Angela.


401 S. Old Woodward #457
Birmingham, MI 48009

Cell: (313) 205-5609
Office: (313) 205-5609

See What Our Customers Have to Say

Carolyn Urso in Grosse Pointe, MI

On July 17, 2024

Tony was easy to communicate with. He answered any questions we had in a very timely manner. We are grateful for our experience with him!

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Mortgage solutions to fit your needs

Conventional Loan

Conventional loans aren’t backed by a federal agency, such as the Federal Housing Administration, which means conventional loans are more flexible in their terms and have fewer restrictions. However, conventional loans often meet the down payment and income requirements set by Fannie Mae and Freddie Mac, and conform to the loan limits set by the Federal Housing Finance Administration. A few benefits of this type of home loans include, competitive interest rates, fewer fees, an option for second home purchases and Flexible requirements for mortgage insurance. At Mutual of Omaha Mortgage, we offer a variety of loan terms with fixed or adjustable rates.

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Refinance/Cash Out

When you refinance your mortgage, you pay off your existing loan with a new loan that usually offers a better rate or a shorter term. Sometimes, refinancing to a different mortgage product can offer benefits as well. Refinancing provides you savings over the life of the loan and can also provide immediate benefits to your current financial or personal situation.

A cash-out refinance replaces your existing mortgage with a new loan for more than you owe on your home. The difference goes to you in cash, so you’re able to spend it on home renovations, improvements, debt consolidation or other financial needs. You must have equity built up in your house to take advantage of a cash-out refinance. Traditional refinancing, in contrast, replaces your existing mortgage with a new one for the same balance.

ARM Loan

The nature of an adjustable-rate mortgage allows buyers and those looking to refinance to, in a sense, ‘play the odds’ on future interest rates. ARM loans come attached with a fixed-rate during a preliminary duration of time. This can range from 5, 7 or 10 years, depending on your unique mortgage needs. After that, your loan interest rate will be dictated by whatever the going rate is for your loan. For example: You lock an ARM at 5 years at a 3.75% interest rate. After that 5-year period, interest rates on your loan product can rise, fall or stay the same. The latter is rarely the case unless a massive shift in the national economic picture rattles the bond market – of which interest rates are closely tied.

VA Loan

The VA home loan program is a mortgage program backed by the U.S. federal government that helps service members, veterans, active military and eligible surviving spouses become homeowners. The VA home loan allows qualified US service members and veterans to purchase or refinance a home at competitive interest rates and with $0 down payment. In addition, VA home loan benefits include reduced closing costs, no private mortgage insurance (PMI) or penalties for prepayment. While the VA loan is a federal program, the government generally does not make direct loans to applicants. Private lenders, including Mutual of Omaha Mortgage, finance the loan while the Veteran's Administration offers an insurance guarantee. This guarantee provides an incentive for private lenders to offer loans with better terms and protects them in the event of a customer default.

FHA Loan

Sponsored by the U.S. Department of Housing and Urban Development (HUD), FHA loans are government-backed home loans distributed by private lenders like Mutual of Omaha Mortgage. FHA Loans are often used to fund homes for first-time home buyers, who come to Mutual of Omaha with short-lived or troubled credit history and smaller down payment goals. FHA loans are federally insured, meaning the buyer does not face steep down payment or PMI requirements relative to conventional loans. Financing a home loan is more attractive for FHA loan-eligible applicants. Conventional loan products typically require 10%-20% down on a loan, depending on the buyer’s preference toward PMI. FHA Loans allow qualified buyers the opportunity to purchase a home with as little as 3.5% down.


The USDA loan program’s purpose is to provide affordable homeownership opportunities to low-to-moderate income households to stimulate economic growth in rural and suburban communities throughout the United States. A USDA loan is a mortgage that offers considerable benefits for those wishing to purchase a home in an eligible rural area. USDA home loans are issued through private lenders and are guaranteed by the United States Department of Agriculture (USDA).

Jumbo Loan

Jumbo loans are discussed with the buyer when a buyer’s total down payment does not put the total finance value at less than the county loan maximum depending on a home's location. The loan maximums vary by county. An 1,800-square-foot home in one county could be valued at a higher amount than another due to the surrounding real estate market. Part of the standard application process on any loan is to verify credit history, income and employment information. Jumbo loans have stricter requirements simply due to the high-risk nature of the loan.

Why choose Mutual of Omaha Mortgage for your home loans?

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