No Fooling Around: A Local Lender Panel on Today's Mortgage Market - MD/PA (In Person)
Wednesday, April 1, 2026 (10:00 AM - 12:00 PM) (EDT)
Description
Course description to come.
 | Joe Gillis - Joe Gillis is a seasoned mortgage professional with decades of experience helping individuals and families achieve their homeownership goals. As a Senior Loan Officer at CMG Home Loans, Joe offers personalized guidance for first-time buyers, move-up buyers, real estate investors, and homeowners looking to refinance or tap into home equity. Joe is well-versed across a wide array of loan programs — Conventional, FHA, VA, Jumbo, renovation or home‑improvement loans, and programs with down-payment or grant assistance. He prides himself on clear, honest communication and works to simplify what can often be a complex mortgage process, ensuring clients feel informed and confident from pre‑approval through closing. |
 | Melanie Meyer - Melanie Meyer is a 25 +year mortgage industry veteran and top-producing loan officer with the Meyer Mortgage Team powered by Edge Home Finance. With a foundation in underwriting and deep expertise in Conventional, FHA, VA, USDA, and construction-permanent lending, Melanie is known for navigating complex scenarios with clarity and confidence. She is consistently ranked among Maryland’s top broker partners and is recognized for her communication style, strategic thinking, and agent collaboration. |
 | Christina Ocharzak - Christina is a Maryland resident proudly serving the tri-state region of Maryland, West Virginia, and Pennsylvania. As a dedicated mortgage professional, she is committed to guiding clients through every step of the home financing journey. Christina understands that the mortgage process can feel overwhelming, which is why she strives to make it clear, comfortable, and achievable—answering questions, easing concerns, and helping each client reach their homeownership goals. With nearly 11 years at First Home Mortgage, Christina brings deep experience and a legacy of industry knowledge. Her mother, Cathy, has been in the business for over 30 years, so Christina was practically born into this world of mortgages and client service—giving her a strong foundation for the work she does today. Outside of work, Christina is happiest in the great outdoors. She enjoys fishing, riding horses, hunting, snowboarding, and just about any adventure that gets her outside. |
 | Marty Scovitch - Marty is currently in his 29th year of assisting homeowners in the mortgage industry. For nearly a decade he owned and operated the mortgage brokerage firm, Interstate Funding Corporation. He joined Embrace Home Loans in 2011 as a Senior Loan Officer, doing what he loves – helping borrowers obtain residential purchase and refinance mortgages. Marty is licensed in MD, VA, PA, WV and Washington DC. Born and raised in Maryland, he lives with his amazing wife of 26 years, their twin boys and daughter, along with 2 border collies- Beau and Finn. In his spare time, he enjoys college football, golf, fishing, and coaching youth/high school sports. |
300 Cameo Drive
Hagerstown, 21740
2.0 Elective CE credits for MD and PA licensees
Required for Pen-Mar REALTORS® Local Certification
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