Business Details
27 Years
experience
Your Trusted Mortgage Broker in Clearwater, Florida
Founded in 1999 by Michael Galasso, Moneylink Mortgage has established itself as a trusted family-run mortgage brokerage serving Florida. With over 25 years of industry experience, we specialize in providing tailored mortgage solutions for home purchases, refinancing, and reverse mortgages. Our team of experts, including Senior Mortgage Originator Tony Galasso, prioritizes personalized service, transparency, and accessibility, operating seven days a week to accommodate clients' needs.We pride ourselves on navigating complex mortgage processes with integrity, leveraging a network to secure competitive rates while maintaining direct client relationships. Our commitment to excellence has earned us consistent five-star reviews and a reputation as a reliable partner for both first-time homebuyers and seasoned investors.
Services
Purchase Mortgage
Refinance Mortgage
Reverse Mortgage
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Non-QM Loans
Cash-Out Refinance
IRRRL Refinance
Details
- Year established: 1999
Highlights and features
- We process loans in-house for faster, more transparent service.
- Our network secures competitive mortgage rates and low-cost options.
- Direct access to loan originators 7 days a week, including weekends.
- Holistic approach to mortgage solutions tailored to unique client needs.
- Proven track record since 1999 with 20+ years of industry expertise.
What people say
Outstanding job
Smooth process
Highly recommend
Knowledgeable team
Responsive communication
Services
Purchase Mortgage
We specialize in helping clients secure financing for residential property purchases. Our team offers guidance on conventional, FHA, VA, USDA, and jumbo loan options, ensuring tailored solutions for first-time buyers and seasoned investors. With a focus on transparency and competitive rates, we streamline the approval process while maintaining clear communication throughout.
Refinance Mortgage
Our refinancing services help homeowners reduce monthly payments, access equity, or adjust loan terms. We offer rate-and-term refinancing, cash-out options, and specialized programs like IRRRL for VA/FHA loans. By analyzing individual financial situations, we identify cost-saving opportunities while simplifying complex documentation requirements.
Reverse Mortgage
Designed for homeowners aged 62+, our reverse mortgage solutions provide financial flexibility without monthly payments. We explain HECM options, conduct financial assessments, and ensure clients understand inheritance implications. Our process includes mandatory counseling and protection measures for spouses and heirs, emphasizing ethical lending practices.
Non-QM Loans
For clients outside traditional lending guidelines, we offer Non-QM loan programs addressing unique income structures or credit histories. These solutions cater to self-employed individuals, investors, or those with non-traditional financial profiles, combining flexibility with responsible underwriting standards to achieve homeownership goals.
Cash-Out Refinance
This service allows homeowners to leverage property equity for debt consolidation, renovations, or major expenses. We guide clients through qualifying criteria, interest rate comparisons, and tax implications while ensuring alignment with long-term financial objectives. Our streamlined process maintains competitive rates for approved applicants.
People
Michael Galasso
President/Owner
With 25+ years in mortgage banking, Michael founded Moneylink Mortgage in 1999 after establishing top-producing branches in Tampa Bay. A recognized industry leader, he combines strategic vision with hands-on client service, maintaining strong realtor partnerships while navigating market changes.
Tony Galasso
Senior Mortgage Originator
As Michael's son and business partner since 2013, Tony brings personalized service and local market expertise. A Tampa Bay Lightning enthusiast, he specializes in guiding clients through complex transactions while maintaining 7-day availability for urgent needs.
Yoena Stephenson
Outside Loan Originator
With 20 years of experience, Yoena excels in Spanish-language client support and investor financing. Her patient approach helps clients understand mortgage options, while her industry knowledge ensures compliance and optimal loan structuring for diverse financial situations.
Questions
What mortgage loan types do you offer?
We provide conventional, FHA, VA, USDA, jumbo, reverse, and Non-QM loans, along with specialized programs like cash-out refinancing and IRRRL options.
Can I get pre-approved before house hunting?
Yes, our pre-approval process clarifies budget limits and strengthens offers, typically completed within 24-48 hours with verified documentation.
Do you offer weekend appointments?
Yes, we operate seven days a week to accommodate client schedules, including weekend consultations and urgent transaction support.
How does reverse mortgage counseling work?
Federal regulations require third-party counseling for reverse mortgages. We provide approved agency contacts and coordinate sessions to ensure client understanding of terms and implications.
What sets Moneylink apart from other brokers?
Our in-house processing, 24/7 accessibility, and family-run ethos create faster turnarounds and personalized service compared to larger institutions.
