Description

This 2-hour course will provide a general overview of first-time homebuyer programs that are available to clients in Maryland and Pennsylvania. You'll walk away with a better understanding of the purpose and structure of these programs, learn the major loan products and down payment assistance options through the Maryland Mortgage Program (MMP) and the Pennsylvania Housing Finance Agency (PHFA).

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.