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Gianni Cerretani is a nationally recognized mortgage professional with over 26 years of industry experience, consistently ranking in the top 1% of mortgage originators nationwide. Renowned for his exceptional client care, he has been named among the Top 100 Mortgage Professionals by Experience.com for customer service and stands as the #1 Home Heroes affiliate lender in his state and #5 in the country.
Gianni is also a two-time Telly Award-winning television host on The American Dream TV Network, where he leads the segment Financing the American Dream. Through this platform, he educates and empowers viewers with insights into homeownership, financing strategies, and building generational wealth.
At the heart of Gianni’s work is a deep passion for serving community heroes. He has helped first responders, law enforcement officers, healthcare professionals, educators, and members of all military branches save more than $2.8 million in homebuying costs—making the dream of homeownership more attainable for those who serve and protect our communities. His commitment extends beyond lending, as he actively supports these heroes through charitable contributions and ongoing educational initiatives.
Gianni also dedicates his time to a ministry called God’s Warriors, where he helps share the Gospel with children in local schools through powerful demonstrations of strength and faith.
A lifelong athlete, Gianni once captained a Junior Olympic USA ice hockey team and has an extensive background in martial arts and competitive bodybuilding. His discipline and drive carry over into every aspect of his professional and personal life.
Together with his wife, Kristen, Gianni shares a love for animals—especially golden retrievers. Their passion for rescue has inspired a long-term goal of opening a sanctuary dedicated to caring for elderly dogs.
Known for his transparency, high-level communication, and relentless commitment to excellence, Gianni approaches every client relationship with integrity and heart. His mission is simple: deliver the best possible outcome for every client while creating an experience so positive that it builds customers for life.
Proudly serving clients across AL, FL, GA, NC, SC, TN, WA
“I’m passionate about serving the community that has saved my life—twice. Through the Homes for Heroes® program, I’m proud to give back to those who dedicate their lives to serving others, including firefighters, law enforcement, military, healthcare professionals, educators, and first responders.
This program was created to recognize your sacrifice and help make homeownership more affordable, offering meaningful savings when buying, selling, or refinancing a home.
To every hero in our community—thank you for all that you do. It’s an honor to support you and ensure you receive the benefits you’ve earned, every step of the way.”
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We’re proud to work with Elite‑Level Home Inspections, a trusted inspection partner known for thorough reports, clear communication, and reliable service. While clients are always free to choose any licensed home inspector, we’re happy to share recommendations based on experience and proven results.
We’re proud to work with Divorce to Dream Life, a trusted resource for individuals navigating the financial and emotional complexities of divorce. While clients are always free to choose any professional, we’re happy to share partners who prioritize guidance, clarity, and a thoughtful approach during major life transitions.
God’s Warriors began as a vision from founder David Delk, combining his passion for fitness with his faith in Jesus Christ. Since its founding, the ministry has reached thousands of students, coaches, and communities—using strength, discipline, and faith to make Christ known.
Proud to partner and make a difference in the community.
Neuse River Golden Retriever Rescue is a volunteer-driven nonprofit dedicated to rescuing, rehabilitating, and rehoming golden retrievers and golden-hearted dogs in need. With over 25 years of service, they continue to make a meaningful impact through community education, responsible pet advocacy, and the support of donors and foster families.
In memory of Chief Cerretani. Proud supporter of the work they do.
Through Gianni’s partnership with Cutco, you can elevate your closing experience with a premium, practical gift that clients will use and appreciate for years to come. Cutco knives deliver lasting quality and everyday value—making a memorable impression long after the transaction is complete.
Expert Home remodeling services tailored to your needs, ensuring quality and satisfaction. Services provided by Aaron Scheidweiler (904-778-5553)
ADPI vetted loan officers aren't just good at mortgages — they understand the military lifecycle. Gianni has built his reputation on results and relationships, with a 4.96 experience score across hundreds of reviews. As a Homes for Heroes affiliate, he is committed to giving back to the people who serve — and he brings that same level of care to every ADPI member he works with. View Website
From residential renovations to commercial improvements and church construction projects, their team delivers quality craftsmanship, dependable service, and exceptional results throughout Metro Atlanta.
Qualified, experienced Metro Atlanta 203k Contractors
A network of quality contractors, tradesmen and home service professionals. Save it to your phone. You'll use it!
The mortgage process doesn't have to be confusing. Explore quick, easy-to-follow videos covering AnnieMac's loan programs, first-time homebuyer tips, mortgage do's and don'ts, credit guidance, and more—so you can make informed decisions with confidence.
Rating: 5.0 out of 5.0 from Encompass Gianni and his team were wonderful! They were very helpful due to the fact that everything seemed overwhelming. They answered all my questions in a timely manne. Thanks for everything! TammyLoganville, GA Sep 07
Gianni and his team were wonderful! They were very helpful due to the fact that everything seemed overwhelming. They answered all my questions in a timely manne. Thanks for everything!
Rating: 5.0 out of 5.0 from Encompass Communication made the process GREAT! Gianni and Jeremy made sure my client and I knew every detail of the loan process up to the closing date. I appreciate the great communication. Thank you Gianni Babs WilliamsKathleen, GA Aug 15
Communication made the process GREAT! Gianni and Jeremy made sure my client and I knew every detail of the loan process up to the closing date. I appreciate the great communication. Thank you Gianni
Rating: 4.8 out of 5.0 from Encompass The Gianni team provided an outstanding experience from start to finish. Communication was timely, clear, and professional throughout the entire process. They were responsive, proactive in providing updates, and ensured all deadlines were met. I would confidently recommend the Gianni team others. AneishaDallas, GA Jul 27
The Gianni team provided an outstanding experience from start to finish. Communication was timely, clear, and professional throughout the entire process. They were responsive, proactive in providing updates, and ensured all deadlines were met. I would confidently recommend the Gianni team others.
Rating: 5.0 out of 5.0 from Encompass Streamlined paperwork and quick informed answers to questions KarlDallas, GA Jul 26
Streamlined paperwork and quick informed answers to questions
Rating: 5.0 out of 5.0 from Zillow "EVERYTHING THAT WE COULD HAVE HOPED FOR IN A HOME BUYING TEAM, GIANNI'S TEAM WAS THAT AND MORE!!!! Everyone was so helpful, on time, courteous, thoughtful and understanding. No question we asked was ever a wrong question from their perspective, and was always more than willing to promptly answer or help get the answer. The process when purchasing ... Rickey JohnsonCovington, GA Jul 21
"EVERYTHING THAT WE COULD HAVE HOPED FOR IN A HOME BUYING TEAM, GIANNI'S TEAM WAS THAT AND MORE!!!! Everyone was so helpful, on time, courteous, thoughtful and understanding. No question we asked was ever a wrong question from their perspective, and was always more than willing to promptly answer or help get the answer. The process when purchasing ...
Rating: 5.0 out of 5.0 from google They were a great team to work with. They guided us along with their knowledge and expertise. We definitely recommend this team! Andrea Rogers Jul 16
They were a great team to work with. They guided us along with their knowledge and expertise. We definitely recommend this team!
Rating: 5.0 out of 5.0 from google Gianni is wonderful and we don't know what we would have done without him. Carol Heksem Jul 16
Gianni is wonderful and we don't know what we would have done without him.
Rating: 5.0 out of 5.0 from google Gianni and his team went the complete extra mile! I appreciated him coming along and saving my deal. My client was so distraught when rates changed while he was under contract and he wasn't advised by previous loan officer to lock or what to do to protect himself. Not all lenders are made the same. And unfortunately there are many out there that wi... Realtor Gaby Richmond Jul 16
Gianni and his team went the complete extra mile! I appreciated him coming along and saving my deal. My client was so distraught when rates changed while he was under contract and he wasn't advised by previous loan officer to lock or what to do to protect himself. Not all lenders are made the same. And unfortunately there are many out there that wi...
Rating: 5.0 out of 5.0 from google The experience was great because of the clear communication, responsiveness, and support throughout the process. The team made everything straightforward, answered all my questions, and made me feel confident in every step. It was a smooth, stress-free experience—thank you! Kikahh Jul 16
The experience was great because of the clear communication, responsiveness, and support throughout the process. The team made everything straightforward, answered all my questions, and made me feel confident in every step. It was a smooth, stress-free experience—thank you!
Rating: 5.0 out of 5.0 from google Gianni and his team went above and beyond to make me a "Priority". They will have my business for life. Frank Smith Jul 16
Gianni and his team went above and beyond to make me a "Priority". They will have my business for life.
Rating: 5.0 out of 5.0 from google I used Gianni Cerretani as my mortgage lender, and his staff was amazing throughout the entire loan process. The whole team was not only knowledgeable but also incredibly supportive. I want to send a personal thank you to Chelsie Stephens for her exceptional help and support. Chelsie went above and beyond, even while coping with the loss of her bel... Andre Vickers Jul 16
I used Gianni Cerretani as my mortgage lender, and his staff was amazing throughout the entire loan process. The whole team was not only knowledgeable but also incredibly supportive. I want to send a personal thank you to Chelsie Stephens for her exceptional help and support. Chelsie went above and beyond, even while coping with the loss of her bel...
Rating: 5.0 out of 5.0 from google Great team! Make sure you are taken care of without setting up for failure. Make sure your wants and needs are taken to consideration. Kyneshia Fearon Jul 16
Great team! Make sure you are taken care of without setting up for failure. Make sure your wants and needs are taken to consideration.
Rating: 5.0 out of 5.0 from google Great communication and quick response times. They showed so much patience with me being new to this process. They made this process easy for me. Pe'Gysia Rowe Jul 16
Great communication and quick response times. They showed so much patience with me being new to this process. They made this process easy for me.
Rating: 5.0 out of 5.0 from google Always a pleasant experience with Gianni. He goes over and beyond everytime for my clients! Always a phone call or text away! I’m excited to keep changing lives together with Gianni as my lending partner! Plus he has a great team, 10/10. JusticeHill Jul 16
Always a pleasant experience with Gianni. He goes over and beyond everytime for my clients! Always a phone call or text away! I’m excited to keep changing lives together with Gianni as my lending partner! Plus he has a great team, 10/10.
Rating: 5.0 out of 5.0 from google Everyone was with me explaining who they were, the next steps and what I needed all the way. I love Chelsie she was amazing 🤩 but everyone else was as well. Thank you all so much. Even though I went over my budget a little 😀 I am very pleased Mrs Philip Jul 16
Everyone was with me explaining who they were, the next steps and what I needed all the way. I love Chelsie she was amazing 🤩 but everyone else was as well. Thank you all so much. Even though I went over my budget a little 😀 I am very pleased
Rating: 5.0 out of 5.0 from google Gianni and his team were able to step in when I made the decision to leave my previous lender. They completed in 3 weeks what my previous lender could not do in 3 months. Thank you so much again. Kira Milton Jul 16
Gianni and his team were able to step in when I made the decision to leave my previous lender. They completed in 3 weeks what my previous lender could not do in 3 months. Thank you so much again.
Rating: 5.0 out of 5.0 from google Gianni and the ladies were amazing ! I’d highly recommend them for any loan you need! Candy Hidalgo Jul 16
Gianni and the ladies were amazing ! I’d highly recommend them for any loan you need!
Rating: 5.0 out of 5.0 from google The level of communication was outstanding. Thank you for all the guidance and support. Leann Adcock Jul 16
The level of communication was outstanding. Thank you for all the guidance and support.
Rating: 5.0 out of 5.0 from google Absolutely amazing team. Professional. Stress free. I’d love to work with them anytime. Toots 1029 Jul 16
Absolutely amazing team. Professional. Stress free. I’d love to work with them anytime.
Rating: 5.0 out of 5.0 from google Gianni‘s team is the best I’ve ever worked with hands-down. Their dedication to the customers needs, commitment to excellence, Gianni’s patients and knowledge sits his team apart from the rest.. Robert Cowart Jul 16
Gianni‘s team is the best I’ve ever worked with hands-down. Their dedication to the customers needs, commitment to excellence, Gianni’s patients and knowledge sits his team apart from the rest..
Rating: 5.0 out of 5.0 from google We had such an amazing experience with the Cerretani team! They were available anytime we needed them - even for the silliest of questions! They are 100% client centered making uploading of documents as easy as possible, providing clear direction and questions, and always kept us apprised of the process... Jessica Williams Jul 16
We had such an amazing experience with the Cerretani team! They were available anytime we needed them - even for the silliest of questions! They are 100% client centered making uploading of documents as easy as possible, providing clear direction and questions, and always kept us apprised of the process...
Rating: 5.0 out of 5.0 from google Gianni and his team were amazing. Their communication and industry knowledge are stellar. They were able to make my client's first time home purchase seamless and enjoyable. Highly recommend! Timothy Robinson Jul 16
Gianni and his team were amazing. Their communication and industry knowledge are stellar. They were able to make my client's first time home purchase seamless and enjoyable. Highly recommend!
Rating: 5.0 out of 5.0 from google Very helpful polite staff. They worked very hard to get the best loan for me and answered any questions I asked (as a first time buyer I had a lot). 10/10 would recommend Lexie O'Kelley Jul 16
Very helpful polite staff. They worked very hard to get the best loan for me and answered any questions I asked (as a first time buyer I had a lot). 10/10 would recommend
Rating: 5.0 out of 5.0 from google Very Smooth Transaction! Kimberly Yates Jul 16
Very Smooth Transaction!