James Francis Gullace

First Home Mortgage
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Equal Housing Opportunity
Job Title
Loan Officer
Career Started
1829 Howell Road #1, 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 - 57 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

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