James Francis Gullace

First Home Mortgage
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Equal Housing Opportunity
Job Title
Loan Officer
Career Started
1825 Howell Road Suite 3, Hagerstown, Maryland
For updated license info and work history visit  NMLS Consumer Access
Reviews are independently sourced by LENDAID from closed loan customers to ensure true, unbiased feedback of the loan officer's customer experience.

About James Francis Gullace

I have been helping my clients buy and refinance homes since 1988. I take great pride in putting my client's interests first and providing them great service throughout the mortgage process. First Home Mortgage Corporation NMLS ID #71603 (www.nmlsconsumeraccess.org)

James's Reviews

4.9 Stars - 135 Reviews
"Took care of all my needs and looked out for my best interests. "
Buying - Hagerstown, Maryland December 2017
"Jim was a great resource and was always available to answer any questions and concerns I may have had . He helped make the process less stressful and smooth ."
Buying - Baltimore, Maryland December 2017
Buying - Hagerstown, Maryland December 2017
Buying - Clear Spring, Maryland December 2017
"He was very easy to work with and relayed information fast."
Buying - Chambersburg, Pennsylvania December 2017
"Jim and First Home Mortgage were so great to work with. They made everything as easy as possible and were always quick to answer my endless questions as a first time home buyer. I would certainly recommend them to others looking to purchase a home. "
Buying - Waynesboro, Pennsylvania January 2018
"He made the process so easy a cave man could do it. Thanks James --you made what I thought would be a difficult process into something very easy."
Buying - Hagerstown, Maryland March 2018
"First Home Mortgage is the BEST mortgage company anyone could ever hope to work with. It is a very, very stressful process and Mr. Gullace walks you right through with no issue- just merely providing guidance and wisdom the whole way through. I recommend this company and this lender to many, upon many buyers that I, personally, work with in real estate and they provide wonderful service time and time again. This is why, as a Veteran, I decided to place my personal home purchase with them as well. They went above and beyond to ensure we made it through with no worry. For any mortgage need - Jim Gullace with First Home Mortgage is HIGHLY Recommended! "
Buying - Mercersburg, Pennsylvania January 2018
"Jim was helpful, ready to answer questions, and quick to respond to questions. His experience was evident in condensed timelines and was able to push and get things closed in time. I would be glad to work with Jim in the future."
Buying - Falling Waters, West Virginia April 2018
"Very positive experience overall. Helped us set a timeline and work through the process of improving credit scores to once again live in our own home. Sellers were motivated to so our offer was accepted based on fast processing and closing of the sale. "
Buying - Kearneysville, West Virginia April 2018
Buying - Hagerstown, Maryland August 2018
"Mr Gullace was phenomenal! He went above and beyond to make the home-buying process a breeze. Mr. Gullace and First Home Mortgage will be recommended to all of my friends and family!"
Buying - Hagerstown, Maryland October 2018
"Very knowledgeable and kind. Provided info to us though out the whole process."
Buying - Keymar, Maryland October 2018
"Jim was accessible,knowledgeable, very accommodating. CouldnÍt have asked for a better mortgage professional. "
Buying - Hagerstown, Maryland November 2018
"Easy to work with and provided clear communication. We closed on time even through multiple holidays!"
Buying - Rockville, Maryland November 2018
"He was awesome!"
Buying - Williamsport, Maryland December 2018
Buying - Frostburg, Maryland December 2018
"Honest, hardworking, and an all around good guy. "
Refinance - Hagerstown, Maryland December 2018
Buying - Saint Thomas, Pennsylvania December 2018
Buying - Hagerstown, Maryland January 2019
"Couldn't ask for better! "
Buying - Hagerstown, Maryland February 2019
"This was me and my husband first home and I couldn't have been any happier than how I was with my experience with Jim Gullace and Brenda as well. They always would keep in touch with me and my husband and explained everyone of our question that we had about this experience. You cannot find better people. Thank you for all your hard work!"
Buying - Hancock, Maryland April 2019
"Jim was readily available to answer questions and get things done during some difficult moments. We liked that he showed up for closing, as many mortgage reps do not. "
Buying - Biglerville, Pennsylvania April 2019
"Jim was incredibly kind, helpful, knowledgeable, and timely. He made the process easy to understand for a first time home buyer. Enjoyed working with him. Would certainly recommend him! "
Buying - Waynesboro, Pennsylvania April 2019
"Wonderful and very caring individual."
Buying - Hagerstown, Maryland June 2019
"Jim was fabulous- walked me through every step and worked with my ever changing schedule. Even though First Home Mortgage required a lot of documentation, Jim made it easy."
Buying - Hagerstown, Maryland June 2019
Buying - Martinsburg, West Virginia June 2019
"Awesome to work with. I had no clue at what I needed to do. And he helped me with all my concerns. Great to work with."
Buying - Hagerstown, Maryland July 2019
"Wonderful experience from the start and keeps it up even after closing. Couldn't be happier! Went far above and beyond all expectations! Extremely Thankful to have Jim, and First Home's help throughout the process of buying my home! "
Buying - Hagerstown, Maryland July 2019
Buying - Frederick, Maryland August 2019
"Great customer service. Very personable. Wouldn't go anywhere else!"
Buying - Greencastle, Pennsylvania August 2019
"I feel Jim went above and beyond to get us our mortgage keeping us up to date throughout the whole process. It was a great experience from start to finish."
Buying - Needmore, Pennsylvania October 2019
"Happy with service, information flow and rates. Disappointed that even on a mortgage with over 60% down that a home appraisal was required, apparently because the underwriting software provides no provision for waiver/consideration. The delay in identifying an appraiser and completing the appraisal delayed closing by a week."
Buying - Nicholson, Pennsylvania November 2019
"Jim was very helpful and always answered all my questions. He guided us every step of the way. Even though I had purchased two other homes previously I still learned more from Jim then my past experiences. He was very patient and understanding. I would recommend him to anyone who is looking to buy a house and if anyone I know will be buying a house I will certainly give them Jim's information."
Buying - Falling Waters, West Virginia December 2019
"James Gullace was beyond excellent while working with me on my first home purchase. He is a very kind and down to earth individual, who takes the time to educate/inform his clients on how the mortgage approval process works. I think James is a very valuable asset to First Home Mortgage, and I greatly appreciate his expertise/professionalism during my first home purchase. Thank You!"
Buying - Hedgesville, West Virginia December 2019
Buying - Sharpsburg, Maryland December 2019
"Fantastic! So kind and friendly. He really spent his time getting us our first mortgage for our first home. Diligent and hardworking. He made this process as painless as possible, and worked so hard. I would 150% recommend him."
Buying - Hagerstown, Maryland December 2019
"Very Professional and informative."
Buying - Hagerstown, Maryland December 2019
"Very knowledgeable and efficient. Extremely friendly and outgoing!"
Buying - Smithsburg, Maryland December 2019
"Jim was PHENOMENAL!!! Professional, friendly, and knowledgeable. He made the entire process a breeze! I would and already have recommendied to family & friends."
Buying - Williamsport, Maryland January 2020
"Jim has been very helpful. He helps me to understand all the process. Very professional."
Buying - Falling Waters, West Virginia January 2020
"Friendly and prompt with answering all my questions. I am a first time home buyer and he explained everything thoroughly."
Buying - Hagerstown, Maryland January 2020
"James was excellent. Great customer service Very knowledgeable and overall a pleasant person to work with 5 star honesty ."
Buying - Hagerstown, Maryland January 2020
"Jim has done several loans for us and is the greatest. He is very efficient, accommodating and very easy to work with. We will always use him and refer other customers to him."
Buying - Waynesboro, Pennsylvania February 2020
Buying - Waynesboro, Pennsylvania February 2020
"Jim is a great guy. Honest, prompt, professional. I felt like he genuinely worked to get us a best deal."
Refinance - Hagerstown, Maryland March 2020
"Jim and his team went above and beyond expectations."
Buying - Waynesboro, Pennsylvania March 2020
"FHM was pretty good to deal with; we dealt with many different people because of the loan type and they all were courteous, friendly, and returned emails and calls promptly. Jim Gullace is an especially good representative for FHM, as he is at the top of the list for cultivating good customer relationships, addressing concerns promptly and fully, and explaining all details completely so customers understand fully. Jim goes out of his way to ensure good customer relationships for FHM, a fact we appreciated greatly."
Buying - Hagerstown, Maryland March 2020
"Jim was extremely responsive to all of our questions, often responding over weekends and late into the evening. He made the process extremely easy and painless."
Buying - Hagerstown, Maryland March 2020
"Answered every question I had and kept me on track with getting things done."
Refinance - Hagerstown, Maryland March 2020
"He did a great job"
Buying - Hagerstown, Maryland May 2020
Refinance - Greencastle, Pennsylvania May 2020
"Reliable, trustworthy, and went out of his way to make things happen. I was locked in at a higher APR, and about a week before closing he was able to get a new lower APR. Great guy and great at his career."
Buying - Williamsport, Maryland May 2020
"Great to work with! Very knowledgeable and honest."
Buying - Hedgesville, West Virginia June 2020
"Awesome job."
Buying - Hagerstown, Maryland June 2020
"James was great to work with. He is easy to talk to. He made sure I understood anything I didn't understand. I definitely felt like he was there to help me. Brenda was also great to work with."
Buying - Chambersburg, Pennsylvania July 2020
"My husband and I have had the pleasure of working with Jim (James) Gullace since 2013. As a very young couple just starting out, this was an unnerving process to us not knowing what to expect. Jim guided us step by step on purchasing our first home and helped us understand the importance of obtaining a mortgage and the fine print behind it. Jim educated us every step of the way and answered all questions we approached him with to make sure every detail was clear. Now several years later, we have re-connected with Jim in discussion of a potential refinance. It turned out we were good candidates and in July, we completed yet another transaction with Jim and First Home Mortgage. This is a very important process in life and to have Jim not only help us through the process, but to be an educator and make sure we understand the logistics behind a mortgage is something that you don't often find in todays society. As we have done for the last several years, we will continue to refer Jim Gullace at First Home Mortgage to all of our family and friends. Jim, we appreciate you, your time, efforts and dedication to our family."
Refinance - Hagerstown, Maryland July 2020
"James was extremely helpful and will go out of his way to help make the process as easy as possible"
Buying - Hagerstown, Maryland August 2020
"Easy process, would recommended anytime "
Buying - Waynesboro, Pennsylvania August 2020
"Did a wonderful job helping us with our home buying."
Buying - Hagerstown, Maryland August 2020
"Jim was amazing! He worked with us prior to our pre approval in order to get where we needed to be to purchase. He shared so much knowledge, and answered all of our questions in detail. Super responsive to every contact, and efficient throughout the entire loan process! We cannot thank Jim enough for his help! Highly recommend him for lending needs! "
Buying - Hagerstown, Maryland August 2020
"Jim was extremely thorough and professional during the entire loan process. He took the time to explain everything, made for a smooth transition to the settlement company, and followed up several times after closing."
Buying - Bunker Hill, West Virginia August 2020
Buying - Hagerstown, Maryland August 2020
Buying - Martinsburg, West Virginia August 2020
"He was great!"
Buying - Hagerstown, Maryland August 2020
"He is AWESOME!! His response time and support were extremely beneficial. He even went the extra mile to ensure we were able to close when we were hoping which was 2wks ahead of schedule!"
Buying - Smithsburg, Maryland September 2020
"Jim was great to do business with. He made the mortgage process seamless for us. We are very thankful for his assistance with this process. "
Buying - Hagerstown, Maryland September 2020
"He was very helpful and made sure to get us the best deal. "
Refinance - Waynesboro, Pennsylvania September 2020
"Awesomely great 😊"
Buying - Hagerstown, Maryland September 2020
"very timely with everything, stayed on top, answered questions promptly"
Buying - Middletown, Maryland September 2020
"Jim was quick to respond to questions and issues that we had throughout the mortgage process. He was there for us when we entered into the beginning stages of our quick delivery new build and helped us retain the most money we possibly could after closing costs for our new home. Jim worked incredibly hard for us and we weren't disappointed!"
Buying - Falling Waters, West Virginia October 2020
"Professional and exceptionally customer-oriented. Extended himself and office resources to make the process easier."
Refinance - Hagerstown, Maryland October 2020
"Always a pleasure doing business with Jim and his team. They are very knowledgeable and professional."
Refinance - Hagerstown, Maryland October 2020
"Jim was great! Walked me through everything and explained everything. He really worked hard to ensure that I would get approved and was able to get everything processed so that I could close early on my new home. "
Buying - Dundalk, Maryland October 2020
"Easy to work with and very detailed in his explanation of mortgage products. "
Buying - Hagerstown, Maryland November 2020
"Jim Gullace was extremely important to me and getting me approved for my home loan. He was very professional and friendly, and did everything possible to help me secure my loan. He was very patient, and lead me every step of the way, and I would now consider him like a friend. He gave me advice the entire time, and never steered me wrong. I can't say how much I appreciate what he did for me, I'm extremely happy."
Buying - Hagerstown, Maryland November 2020
"Jim Gullace and his team were amazing to work with. They were very helpful and patient with us as me navigated through the home buying process. They made sure we were informed and kept us updated on our loan and information needed with our new house. Would highly recommend."
Buying - Fairplay, Maryland November 2020
"Jim provided me with all the details needed to make a decision to refinance. He answered my questions and was very clear about what to expect. He provided the information i requested in a timely manner and made time for me which is something that other lenders would not do. Jim earned my trust and that is why I chose First Home Mortgage."
Refinance - Smithsburg, Maryland December 2020
"Jim and his team were extremely helpful from start to finish. Very quick to respond to any questions I had. Would highly recommend Jim and team to anyone and would use them again in the future."
Buying - Sparrows Point, Maryland December 2020
"This is the second time I have used James Gullace and First Home Mortgage. My experiene both times have been excellent. I highly recommend them."
Refinance - Hagerstown, Maryland December 2020
"Jim Gullace was extremely important to me and getting me approved for my home loan. He was very professional and friendly, and did everything possible to help me secure my loan. He was very patient, and lead me every step of the way, and I would now consider him like a friend. He gave me advice the entire time, and never steered me wrong. I can't say how much I appreciate what he did for me, I'm extremely happy."
Buying - Hagerstown, Maryland December 2020
"James was excellent in keeping me informed and up to date during my loan process. He was always available and followed up with any questions I may have had. James makes the buying a house an easy and smooth process."
Buying - Greencastle, Pennsylvania January 2021
"Jim went above and beyond for me and was always there when I needed help or had a question. I never imagined buying a home could be this easy. Thanks Jim "
Buying - Chambersburg, Pennsylvania January 2021
"Very easy to talk to. Explained everything. If we didn't followed up with him he always would call or email us. "
Buying - Hagerstown, Maryland January 2021
"James is the best!"
Refinance - Boonsboro, Maryland January 2021
"He was very engaged with us and very helpful."
Buying - Waynesboro, Pennsylvania January 2021
"Jim is very knowledgeable and willing to help us understand/make informed decision. "
Refinance - Fayetteville, Pennsylvania January 2021
"Always answered questions in timely manner and in a way we could understand."
Buying - Falling Waters, West Virginia January 2021
"James did an excellent job. Your csr's messed up the closing cost, etc. I still think I was shorted on the final settlement."
Refinance - Hagerstown, Maryland February 2021
"Jim is awesome at what he does! Twice I've presented him with a challenging task, and both times he's gone over and above my expectations."
Buying - Greencastle, Pennsylvania February 2021
"He worked for me had my best interest in mine and did a grate job"
Buying - Smithsburg, Maryland March 2021
"Jim went above and beyond to make this happen. He made my experience less stressful and was able to guide me every step of the way."
Buying - Chambersburg, Pennsylvania March 2021
"Very friendly and will help you all he can. "
Buying - Inwood, West Virginia April 2021
"It was great working with Jim. He was very responsive even during off hours. Answered all our questions and kept us updated on changes along the way. We would highly recommend Jim and First Home Mortgage. "
Buying - Accident, Maryland April 2021
Refinance - Hagerstown, Maryland April 2021
Buying - Ijamsville, Maryland April 2021
"James was very attentive to my needs. He was easy to talk to and took time to answer questions. He was sort of a counselor to me as my refinance wasn't so straight forward. He was always positive and calm throughout the process. "
Refinance - Middletown, Maryland April 2021
"Jim has explained me the process of mortgage loan upmost and honest professionalism. I will recommend him to every person I know who is in need of a mortgage loan."
Buying - Cumberland, Maryland May 2021
"Very prompt and very professional"
Buying - Clear Spring, Maryland May 2021
"James Gullace made our home loan process easy, we never had to wait for answer's, got back to us with any of our questions immediately. My wife and I highly recommend anyone that is thinking of buying a house to talk to Jim"
Buying - Greencastle, Pennsylvania May 2021
"I had a great experience with Jim. He is very knowledgeable and was responsive and informative during the whole process. It was a surprisingly smooth process from the first time I contacted him until I closed on my new house. "
Buying - Hagerstown, Maryland June 2021
"Jim was awesome...he helped me through every step and made purchasing a home very easy"
Buying - Hagerstown, Maryland June 2021
"Jim was available, clear and expedient."
Refinance - Hagerstown, Maryland June 2021
"Mr. Gullace was great to work with. He was extremely helpful with anything we needed."
Buying - Williamsport, Maryland July 2021
"Very knowledgeable & helpful team! "
Buying - Smithsburg, Maryland July 2021
"First class lender!"
Buying - Martinsburg, West Virginia September 2021
"Jim and his team were fast and professional. We had a time crunch to get this done and the exceeded expectations. "
Buying - Warfordsburg, Pennsylvania October 2021
Refinance - Williamsport, Maryland October 2021
"We have had the pleasure of working with Jim at First Home mortgage for the purchase and the re finance of our townhome. He is always professional, courteous and handles every obstacle efficiently and transparently to the customer. I highly recommend his service!!!"
Refinance - Frederick, Maryland October 2021
"Jim and his co-workers went above and beyond all throughout our home buying process. We would definitely recommend them to anyone! "
Buying - Greencastle, Pennsylvania October 2021
"Jim made everything so easy. His experience shows how well he knows what is out there. I highly recommend him to anyone"
Buying - Mercersburg, Pennsylvania December 2021
"Jim is very knowledgeable and friendly. He made us feel comfortable throughout the whole process. In my opinion, he went above and beyond for us. If you see this Jim - Thank you for everything!"
Buying - Hagerstown, Maryland February 2022
"Jim was very helpful answering all my questions with quick response and was very knowledgeable."
Buying - Hagerstown, Maryland February 2022
"Jim was very responsive (often at odd hours) and answered our many questions thoroughly and patiently. When the final paperwork went through, there were no ugly surprises (relative to the loan estimate and pre-qualification worksheet)."
Buying - Waynesboro, Pennsylvania March 2022
Buying - Hagerstown, Maryland April 2022
Buying - Frederick, Maryland April 2022
Buying - Greencastle, Pennsylvania May 2022
"Great Customer Service. Excellent Communication."
Buying - Bedford, Pennsylvania May 2022
"Jim was great in working with us and multiple times of changing around our loan to help best fit our needs. His office and associates were on top of all our paperwork quick and Jim even worked with me during the late evenings from his home over the phone. That kind of service is almost never heard of. I would put him and his team at A++ service will recommend to others looking to get a first time mortgage to talk to Jim. "
Buying - Maugansville, Maryland May 2022
"Jim was wonderful to work with! He was very responsive and excellent at explaining things in an easy to understand way. And he got us a great rate!"
Buying - Columbia, Maryland June 2022
"Made the buying experience less stressful, very organized and let me know all the steps needed. Always available to help when I needed it."
Buying - Hagerstown, Maryland July 2022
"Jim was very helpful and knowledgeable. He answered all our questions. He was always available even on weekends and evenings. We had a wonderful experience."
Buying - Berkeley Springs, West Virginia August 2022
"Jim was extremely helpful and responsive to all my questions through the process. I can't recommend his services highly enough. "
Buying - Cumberland, Maryland August 2022
"Mr. Gullace was helpful from the very first minute I spoke to him. He guided and educated me through the entire home buying process with knowledge and patience, and he was always available and prompt with any questions I had. I would refer any of my friends and family to Mr. Gullace and First Home Mortgage."
Buying - Hagerstown, Maryland September 2022
"Wonderful people to work with! I couldn’t have asked for more support. Jim answered all of my questions and was very patient. A+"
Buying - Hagerstown, Maryland October 2022
"Jim is very knowledgable, caring, helpful and professional"
Buying - Chambersburg, Pennsylvania December 2022
"I had an amazing time working with James and First Home Mortgage. This was my first time buying a home and the team was through when discussing options and was always there to answer any questions I may have had along the way. I strongly endorse James and First Home!"
Buying - Hagerstown, Maryland January 2023
"Professional, personal, caring. Top notch. I felt so secure in my decision because of him. Sincerity abounding and overflowing "
Buying - Hagerstown, Maryland March 2023
"James went above and beyond! He cares what happens to you now and in the future! "
Buying - Berkeley Springs, West Virginia April 2023
"Mr. Gullace was extremely knowledgeable with the loan application process, very patient in all my "lack" of knowledge. Also, he was very personable on the phone making the process progress smoothly."
Buying - Hedgesville, West Virginia April 2023
"Jim was amazing through every step of this process. As a first time home buyer, he was able to walk me through everything and gave me the confidence to move forward. He was available for me at inconvenient times during a difficult buyers market. "
Buying - Waynesboro, Pennsylvania May 2023
"Working with Jim was a great experience. He is very detail oriented, transparent, and very knowledgeable about his work. All of my questions were answered in a timely manner. The loan process team was also great! I worked with Courtney also, and she was also very helpful and knowledgeable about what items we needed to complete the process. I really appreciate the high quality service I received and would recommend to anyone looking for loan services. I will definitely come back here first if I ever need any loan services in the future."
Buying - Gerrardstown, West Virginia June 2023
"Kept us up to date in all steps of the process. Was very professional and knowledgeable. "
Buying - Hagerstown, Maryland July 2023
Buying - Hagerstown, Maryland September 2023
"Mr. Gullace and Mrs. Yesacavage were always available for all our questions eithe by telephone or email. Both Mr. Gullace and Mrs. Yesacavage were very knowledgeable and offered us our options for our situation. We would highly recommend and refer both Mr. Gullace and Mrs. Yesacavage and use them in the future if needed. Thank you both."
Buying - Hagerstown, Maryland October 2023

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