Welcome to Gateway Capital Mortgage

We have perfected the Florida, Illinois and Wisconsin mortgage process. We are truly passionate about our  profession, and the result is that
nearly 100% of our business is by referral from satisfied clients, trusted financial advisers and the most experienced Realtors in Florida, Illinois and Wisconsin. You can rest assured that you are entrusting your home financing with those who rank among the most highly qualified and ethical in the lending industry. Visit our Testimonials and confirm you have made the right choice.
Our mission is to carefully guide you through the entire home loan process, so that you feel confident as you make choices   about the many options available for your financing strategy. With many years and a wide range of experience in the mortgage industry, we are ready to assist each and every step of the way.

We understand that it's not just a house, it's your home.

Your home is one of the largest financial commitments that you will make during your life, and many people view that as meaning just another monthly payment. We can help you realize that your home is truly a valuable financial tool, and will help you achieve the dreams and plans they envision for your future.

We are Florida, Illinois, and Wisconsin Mortgage Specialists.

You only think about home financing a few times during your life ~ we think about it every single day. It's your home and your future. It's our profession and our passion. We're ready to work for your best interest.


Educating me about the process

May 13, 2014


Thank you so much for everything. It has been great to work with you and thanks for your patient explanations in educating me about these processes, and your professionalism. I am THRILLED to get $ back. I have already recommended you to someone.


Gateway had been so helpful

May 12, 2014


Thank you so much for all of your help.  Everyone with Gateway has been so helpful in getting me my mortgage and my little piece of paradise…    You, Nadine and Julie were so helpful even with my crazy travel schedule in getting all the information I needed and answering my questions even after hours.  I appreciate all your hard work and dedication.  You’re the best!

Thanks again,

Denied 5 times

May 10, 2014

I had been working toward purchasing a home for over a year with my wonderful & personable Agents “Sanjay & Danielle Ratwani”, of which I highly recommend. After trying & being ‘Denied’ 5, yes I said five times, I was determined. I earned good money, but my pay was higher for part of the year & lower in down season. Everything that I had submitted to the underwriter’s (and they go by their own criteria with no wiggle room, or human case per case scenarios) came back ‘Denied’, because I could not explain why certain things were the way they were in my financial arena.

After I felt that the universe wanted me to keep saving money and wait a few more months, my Realtor called me and told me of a company and a lady that helped people qualify and be approved while, like myself were turned away. Her name is Nevene and she works with “GateWay Capitol Mortgage”. I spoke with & submitted information as I had done 5 times prior, only after upon reviewing my credit & other info that I had given 5 times, Nevene came back with knowledge as to why they would deny me. Nevene has knowledge of how underwriter’s and money institutions would look at my history of pay & credit. She communicated and me find a home, make an offer and we moved forward while giving her information and her passing it on with proof. I am the owner of a beautiful 4 bedroom 2 bath home, as of March 31, 2014… I highly suggest to go through the right people first and not get twisted around feeling like a failure. Nevene & my Agents made it feel like human to human versus automation to automation… Thank you,

Easy & Painless Mortgage

May 10, 2014

My wife & I are pleased with the way Charles Tadros handle our refinance of our home. It was a difficult roller coast ride,
with my past credit, but Charles & the Gateway Capital Mortgage stuck with us & pulled us through. My wife & I never refinanced before, but with the professionalization of Charles & dedicated staff, the whole procedure was made easy & painless. We did not loss a day of sleep nor work during the procedure….Thank you team great job!!-

Bought 10 houses

May 9, 2014

No problem Chris. I told Katrinna that I have bought probably close to 10 houses in my life and you have been by far the best person I have ever worked with regarding your knowledge of the products available, the directions we should go and advice towards how to maximize our savings. It has been a true pleasure to work with a professional as you are!.

Recommend your services

May 5, 2014

Working with Gateway was an absolute fantastic experience.  I had purchased my home with my previous fiancée who cancelled our wedding a month before the event.  Jill provided me support and sensitivity with dealing with my refinance as it was not the “normal” situation.  She is very knowledgeable and made the process so easy for me.  Jill was very thorough and always took the time to explain each step of the process.  I will recommend her services to anyone.

Very Satisfied

May 3, 2014

We are very satisfied with the transaction and service received from Gateway Capital Mortgage. Our broker, Charles, and the loan closer, Tracey, made themselves available to answer all and any questions we had during our home purchasing process. They ensured they understood our concerns, and they addressed them with knowledgeable, thorough answers. The guidance we received, from making sure we got the best interest rate possible, to minimizing closing costs, was invaluable. We will gladly recommend Gateway Capital Mortgage to our friends and family who are seeking to purchase a home or refinance their current mortgage. Thank you!

Very Satisfied with the transaction

May 3, 2014

We are very satisfied with the transaction and service received from Gateway Capital Mortgage. Our broker, Charles, and the loan closer, Tracey, made themselves available to answer all and any questions we had during our home purchasing process. They ensured they understood our concerns, and they addressed them with knowledgeable, thorough answers. The guidance we received, from making sure we got the best interest rate possible, to minimizing closing costs, was invaluable. We will gladly recommend Gateway Capital Mortgage to our friends and family who are seeking to purchase a home or refinance their current mortgage. Thank you!

Above and Beyond

April 25, 2014

First and foremost, THANK YOU for being there for us from beginning to end of our loan process!  The help that you provided, went above and beyond anything I expected.  Since this was the first time Lance and I had done anything like this, you calmed my fears and anxieties when I started to worry and celebrated with us in the end.  It was such an easy process (most of the time) when I knew that you were just a phone call away.  Thank you for answering all my questions….and you probably had to answer them more than once :).  Your positivity and knowledge throughout the whole thing was comforting.  I will definitely be recommending everyone your way.  Gateway should be honored to have you as a loan originator.

Thank You

April 8, 2014

I would like to thank Charles , Jill , and everyone at Gateway Capital Mortgage for all of their help , expertise , and professionalism in guiding me through a stress free process in the refinancing of my home. I congratulate you all on a job well done !

Overall Experience

March 13, 2014

First of all I would like to say going into a refinance I wasn’t sure what to expect or how it would effect me in the long run.  Talking with Chris Rezk was very beneficial on my behalf.  Chris explained everything very well and was very helpful with questions I had about the whole refinance process.  After talking with Chris I found that refinancing was the right move for me.  It was far more easier than I thought it was going to be and everything was done online and they even came to my house to close.  I would reccomend anyone who is looking to refinance or trying to get into a better rate to get in touch with Chris Rezk.  He is easy to talk to and will tell whether it is a good idea or not to refinance based on your current situation.  In the end I am very satisfied I went with Gateway Capital Mortgage and had to pleasure of Chris Rezk to help me through the whole process.

I will definitely recommend you

March 4, 2014

We just wanted to take a minute to thank you for working with us thru our refinancing process.  We couldn’t have a better experience. We were very fortunate to work with such a great group of people.   I will definitely recommend you and Gateway Capital to all my family and friends.  The closing was done within 40 minutes.  Great overall experience!! Thanks for everything!!

A disabled verteran

November 20, 2013

Hello Charles,

My family and I want to take the time out the express our deepest gratitude to you, Jill, and the rest of your staff, for assisting us in obtaining a mortgage to buy our new home. As a disabled veteran, I had to file for bankruptcy a few years ago because I was not able to work anymore due to my disabilities. Since filing for bankruptcy, we were forced to move in with a family member because we lost our house. For the past three years, my wife and I have been diligently searching for a new home that we could call our own home. We have been turned done more than fifty (50) times by mortgage lenders, as well as, other home owners and rental institutions, primarily due to the fact that we had a bankruptcy within recent years. We were on the verge of giving up when we found Gateway listed on the Department of Veterans Affairs website as an approved lender. Once I called you and spoke to you that first time, I knew that Our Lord had guided us to the right place. You assured us then, that you would do everything in your power to assist in getting a mortgage loan and you definitely followed through with your actions.

Today, my family and I closed on the purchase of our new home and we are extremely grateful to you, Jill, and staff for making our dream come through. We are in deed indebted to you all for giving us the ability to realize once more, the American Dream of owning a house of our own. Being permanently disabled from the recent war overseas has made my life very challenging, as a result, I had lost all hope for the future. You and your wonderful staff have given me a knew lease on life and level of satisfaction in knowing that my injuries, disability, and overall pain and suffering resulting from the war overseas was not in vain.

On behalf of my family and I, I want to thank you, Jill, and the rest of your staff, from the bottom of my heart, for the superb job that you all have done for me a totally, permanently, and once forgotten disabled veteran. God Bless you all and God Bless America.

New Mortgage in 3 weeks

June 26, 2013

Can’t say enough good things about GWC Mortgage, Michael Schneider, Diane and the processing team at at the downtown St. Petersburg office. I’ve purchased and refinanced homes nine times over the past four decades and have never encountered such a clean process from application through closing. And quick. In and out in three weeks which included my two week vacation right in the middle of everything. Many thanks to all. I appreciate you.


Charlie E.

St. Petersburg, FL

Shopping for a Mortgage

June 3, 2013

I have no problem recommending companies and individuals I trust and respect; and you earned both from me.  If I hear of anyone shopping for a mortgage I will certainly let them know of you.

God Bless,

Lock In Low Rates

May 30, 2013

Chris and Tracey at GWC

Thank you very much for helping me lock in low rates for refinancing my two properties and saving me lots of money each month!  You were very upfront about the entire process and were able to get everything done in a very timely manner. I really appreciate you letting me know how things were going through every step of the process.  Great job and we will definitely recommend you to our friends and family.


Most Sincere Thanks and Gratitude

May 9, 2013

My wife and I would like to express my thanks to Charles Tadros and his entire staff at Gateway Capital Mortgage.

We recently decided to re-finance our current mortgage, so I began to research and contact several mortgage companies.

I would say that I was fortunate to have spoken with Charles when I called Gateway Capital Mortgage.

After receiving some of my background information, Charles immediately emailed me market trends, real time mortgage information, and explained how the market is fluctuating, much more than I received from any other company I had contacted.

This, along with Gateway Capitol’s A+ BBB rating, made our choice to proceed forward with Gateway Capital Mortgage easy.

I cannot stress enough how professional, detailed, and courteous Charles Tadros was during the entire process. My wife and I have refinanced before, not only on our present home, but our former home in New York.  This was by far and away the most seamless and smooth transitioning refinance we have done, all thanks to Charles and his dedicated staff.

I have already recommended Gateway Capital Mortgage to family members, co-workers and friends, and will continue to do so.

In closing, my wife and I would like to extend our most sincere thanks and gratitude to Charles and his staff. Their work is exceptional, proficient and should be commended.

Vic & Gina Magnani

Recent Refinance of my Home

May 9, 2013

Dear Frank,

I wanted to drop you a short note of thanks for the help and support of Gateway Capital Mortgage during the recent refinance of my home. Like many others, I have been through this process quite a few times with a number of different organizations and have developed a solid understanding of what to expect.  However, I was pleasantly surprised at the level of service and interaction I received throughout.  You managed to take what is typically a commodity product and create a positive personal experience that has lasting value in terms of retaining customers such as myself when in need of similar services in the future.

It was a real pleasure to meet and work with you (I would even dare to say it was fun) and I look forward to the opportunity to do business with Gateway Capital Mortgage in the future.

Kind regards


I would recommend you with my full confidence

May 9, 2013

Good Morning Frank,

I hope your are doing well, and that you weren’t affected by any of the recent flooding.  I will keep your contact information handy, and of course I will make sure to mention your name to my friends. I have already raved about you, and I would recommend you with my full confidence.

Secured a Mortgage Re-Finance

April 17, 2013

Charles, I’d like to thank you and your team for the expeditious manner in which you secured a mortgage re-fi for my wife and I. The process did not take long and everything was handled just as you said it would. I would be happy to recommend your firm to any other prospective home buyers shopping for a mortgage.

Your services were great

April 10, 2013


I apologize for the delay. But, your services were great, to say the least. You were fast, attentive, and understanding (some people forget that we do work and it might take a while to get info).
However, the best quality is that you were always there to answer the telephone and patient if I was not there but had to call you back.

You kept my expactations in check, did not over promise, and was totally upfront and honest — and what you said happened. You made it as easy as possible. In fact, it was quite enjoyable talking with you during the process.

I will always use you in the future and have already given your name out to several people. and I will continue to do so. You are in my MicroSoft Contacts — which means you are now part of my financial life.

The pleasure was ours

April 10, 2013


The pleasure was ours. We were glad to have Gateway Capital Mortgage help us through our refinance – always professional, kind, helpful, and patient.
We will definitely keep you in mind in the future should we decide to refinance or purchase another house and we will recommend you to anyone who asks about refi or mortgage. Thank you very much for the wonderful service and all you did to help us!

Thanks very much Frank

April 10, 2013

I really appreciate all you have done. I felt very comfortable working with you and you were 100% upfront and straight forward with me through the entire process. That is what I was looking for as I was rate shopping in the beginning and you were the only one I felt I could trust. God bless and have a great day.

Thanks So Much!

April 10, 2013

You guys at Gateway did an AWESOME job!

HARP Re-Finanace

April 10, 2013

it has been a true pleasure working with you on our HARP re-finance loan. Your diligence and attentiveness throughout the process was noteworthy. I recognize that being self employed and having a somewhat unique financial profile made us more of a challenge, and I appreciate your efforts to ensure that we successfully completed the transaction in a timely fashion. I would, and will recommend you enthusiastically to anyone I meet who is interested in pursuing the HARP program.

Knowledge and Drive

April 10, 2013

It was a pleasure working with you. Your knowledge and drive really made the process go quickly, and painless. You delivered what was promised, and if I ever need to apply for another mortgage I know who I will call.

Owe you lunch

April 3, 2013

Thanks a lot Tracey and Chris for the hard work. I owe you both lunch.

Your Happy And Satisfied Clients

March 20, 2013

Good Morning Frank:

We had our closing yesterday, everything went very smoothly, just like you have promised. I would like to thank you very much for all your help throughout the entire process. You were always available to talk to me, you have responded immediately to all my questions, concerns. I have made a good decision choosing your company (how smart on my behalf:)

You have handled everything to the very end with great patience, and courtesy, and believe me, I know ! – these two qualities are disappearing rapidly from our society.

Thank you.

Kasia and Marek W.
Your Happy And Satisfied Clients

Saving $200 Per Month!

March 15, 2013

I want to thank Gateway Capital Mortgage, and my mortgage broker Chris Rezk, for helping me refinance my home loan. The house was under water, as I owed more than it was worth. Chris and his team worked hard to find a bank willing to work with me, and get me a better loan rate. I am now saving over $200.00 per month, and I can make extra payments to pay the loan off faster. Thank you Chris and Gateway Capital Mortgage.


We are very appreciative

January 12, 2013

Dear Michael,

Thank you for your email. It has been a pleasure working with Gateway Capital. We are very appreciative of Kim, as I was a first time home buyer and working in a demanding profession, communication at times was difficult for me during working hours. Kim was always available, always professional and took the time to explain things. Kim worked very hard to get our loan for our new home and we are very appreciative of all of her work. We will definitely recommend Gateway Capital to any colleagues/friends or family.

Thanks again, Brian

I really appreciate your efficiency

January 10, 2013

All went well, we signed the documents yesterday. Please let me know when the loan is funded.
Thanks for all your hard work! I really appreciate your efficiency, professionalism and the fact that you always followed up with me and answered all my questions!

Have a great day,

The GWC Guarantee

The GWC Guarantee

Low Rate and Fee Combo Guarantee Each morning at Gateway Capital Mortgagewe receive wholesale rate sheets from over 50 wholesale lenders. We take your specific scenario and match it with the most competitive ...

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Mortgage News

Mortgage News

Finding the correct Clearwater Florida Mortgage can be hard to find when purchasing a new home for the first time. With our help, you’ll be able to find the information you need to finance your new home. We can provide a ...

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Our Staff

Our Staff

Our goal is to provide you with highest level of service while providing you with the lowest cost home loan. Gateway Capital Mortgage has been focused on keeping customers satisfied since day one, and has consistently maintained a 98% ...

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State of Illinois, Division of Banking (IDFPR) James R. Thompson Center (JRTC) 100 West Randolph Street - 9th Floor 122 Chicago, IL 60601 888-473-4858 www.idfpr.com - NMLS # 246585
Florida Residential Mortgage Licensee #0804113
Wisconsin Residential Mortgage Licensee #246585
Illinois Residential Mortgage Licensee #6760411