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Bob Gammache

This website is a service offered by Bob Gammache, Branch Manager of Carteret Mortgage, Inc. I am the Senior Mortgage Planner and Branch Manager of this office and have many years of experience in mortgage banking. Carteret Mortgage has it's corporate office at 6211 Centreville Road, Centreville, VA 20121. Phone (703) 802-8000 and the corporate website is located at www.carteretmortgage.com . My contact information is below. I am the author and publisher of this web site, it is all my own work and all rights are reserved. 

Carteret Mortgage is a national mortgage broker who was recently recognized as the second largest and fastest growing mortgage broker in the country with more than 1 Billion dollars of mortgages closed in 2004. We currently have access to over 700 lenders giving me complete flexibility in meeting my client's needs. If a loan program exists, I probably have access to it. Carteret Mortgage is currently licensed in 49 states. Many states now require individual Loan Officer licensure (which I consider a very positive thing) and I am in the process of adding licenses in those states. More information on areas served and State Licenses is available.

My guiding business philosophy is to provide a high level of customer service while utilizing the inherently lower cost structure of the internet to save you money. Carteret Mortgage and my branch have embraced the technology revolution sweeping the mortgage industry because these changes have proven to save my client time and money. For more information on these changes, please see the section on electronic underwriting.

Any communication with me is always held in the strictest confidence. Any communication form on this site is on a secure server and the fax number below is an Efax number which goes directly to my laptop. I am the only individual with access to it. I am VERY serious about privacy and your private information will never be sold or used for any purpose beyond the origination of your loan. After your loan closes, any information contained in your file beyond what is required to be maintained for federal and state audits is shredded.

As a Certified Mortgage Planning Specialist, I offer an analysis of your situation today can make suggestions on how small changes in how your debt is structured today can have a life changing effect in the years to come.  Read more about this free, no obligation service.