James Francis Gullace

First Home Mortgage
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Equal Housing Opportunity
Job Title
Loan Officer
Career Started
1829 Howell Road, 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 it putting my clients best interest first and providing them great service throughout the mortgage process.

James's Reviews

4.9 Stars - 31 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

James's Sample Area of Work

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