A Reputation Built On Results.
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
Awards
The American Dream TV
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.
Passions and Partnerships
“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.”
Elite‑Level Home Inspections Partner
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.
Divorce to Dream Life Partner
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
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.
Golden Retriever Rescue
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.
Cutco - Give the Gift That Lasts Forever
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.
Revive & Revolutionize Your Home
Expert Home remodeling services tailored to your needs, ensuring quality and satisfaction. Services provided by Aaron Scheidweiler (904-778-5553)
Active Duty Passive Income
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
Metro Atlanta's Trusted Remodeling & Construction Partner
From residential renovations to commercial improvements and church construction projects, their team delivers quality craftsmanship, dependable service, and exceptional results throughout Metro Atlanta.
Education Center
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.
Non-Originating Staff
-
- Jeremy Ballard
- Licensed Loan Partner
-
- Stacey Jones
- Processor
-
- Matt Sheraga
- Loan Partner II
Additional Team
-
- Vaticano Team
- Including: Kelsey Vaticano
Realtors! Announcing Our: Real Estate Realities Masterminds
On 10/21/2026 at 2:00 pm
In a crowded market, doing great work is not always enough. People also need to understand what makes working with you different. Join me for Real Estate Realities: Jumpstart Your 2027 with Lance Pendleton on October 21 at 2 p.m. ET. Lance will share how to: - Create messaging that cuts through industry noise - Build a business around what clients truly need - Deliver an experience people remember and want to refer See you there!
Borrower Testimonials
Gianni and his team are amazing! They care about their clients and they go to the ends of the Earth to make sure that their clients are protected in every way. They explain things thoroughly. They go out of their way to make sure that the transaction goes as smoothly as possible. Gianni and his team always make sure that their client has the...
He was extremely knowledgeable and prompt. If hiccups occurred as they sometimes will he would have already solved them.
Gianni and his team were very professional, prompt and present! Me and my wife had several questions with this being our first time buying a house. No matter the time or day, our phone calls were answered and so were our questions. Everyone gave off that distant relative vibe so it made it very easy to...
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!
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
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.
Streamlined paperwork and quick informed answers to questions
"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 ...
The team was very responsive and professional the entire time! The process was super smooth and clear with appropriate explanations. I would definitely be using the team for future loan needs!
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...
Gianni and his team went above and beyond to make me a "Priority". They will have my business for life.
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...
Great communication, very timely, able to close very quickly and got Clear to Close FAST!
Great team! Make sure you are taken care of without setting up for failure. Make sure your wants and needs are taken to consideration.
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.
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.
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
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.
Gianni and the ladies were amazing ! I’d highly recommend them for any loan you need!
The level of communication was outstanding. Thank you for all the guidance and support.
Absolutely amazing team. Professional. Stress free. I’d love to work with them anytime.
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!
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
- View more testimonials on Experience.com & Zillow.com