About Gary Girolamo

As a licensed Homebridge Mortgage Loan Originator in Massachusetts (NMLS #872561), Gary Girolamo can assist you with your home loan needs, including:

  • First-Time Purchase
  • Second-Home Purchase
  • Refinance
  • FHA and VA
  • Conventional
  • 203(k) Renovation
  • Jumbo

Gary welcomes the opportunity to serve your needs with quick and accurate real estate financing advice. Gary has the expertise and knowledge, and will make sure you understand the features associated with the loan program you choose and that it meets your unique financial situation.

Contact Gary Girolamo Anytime

Feel free to contact Gary anytime by phone or email for personalized service and expert advice. Gary Girolamo will extend the same professional service to your friends, family members, work colleagues or neighbors who need help.

Gary Girolamo is 203(k) Renovation Lending Certified

Gary is certified in 203(k) Renovation Lending, a program particularly well suited for buyers of fixer-uppers and REOs in need of repair. Homebuyers can finance both the purchase and future repairs on their new home with one loan.

The Renovation Loan offers some great features. The amount of money you are permitted to borrow for the purchase and renovations is based on the increased value of your home after improvements are made1. Also, because renovation costs are spread throughout the entire term of the loan, monthly payments are often lower than other financing options. With the loan, there is also no need to delay improvements. You can start in immediately after closing. Another great feature is the loan's simplicity - one application, one set of fees and closing costs, one closing to attend and one payment each month. The interest on the cost of your improvements, included in your mortgage, may be tax deductible2 as well.

Gary Girolamo values your business and will provide you with the best professional service and mortgage solutions that make most sense for you and your unique financial situation and real estate goals.

Please contact Gary by phone, email or filling out the pre-approval form on the right to get more information about our Renovation Loan, or any other mortgage financing solution. I look forward to working with you!

1For 203k purchase transactions the maximum loan amount is the lesser of the sales price + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. For refinance transactions the maximum loan amount is the lesser of the property value before renovation + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. Loan amount must be within FHA county loan limits.

For HomeStyle® purchase transactions the maximum loan amount is based on the lesser of the sales price + renovation costs or 100% of the as-completed value, times the maximum loan-to-value allowable. For refinance transactions the maximum loan amount is based on the lesser of 1) 100% of the as-completed value times the maximum loan-to-value or 2) the balance on the existing loan plus the renovation cost plus the settlement costs. The maximum repair amount is limited to 50% of the as-completed value. HomeStyle® is a registered trademark of Fannie Mae.

2Please consult a tax advisor for further information regarding the deductibility of interest and charges.
For your home improvement needs, visit Service Finance Company, LLC to find a trusted local contractor.

Homebridge may receive compensation for referring you to Service Finance Company, LLC.

What Our Customers Say About Me

Gerard D. Aug-18
“We had a quick close and both of our representatives went above and beyond to get everything completed on time.”
Gerard D. Aug-18
“We had a quick close and both of our representatives went above and beyond to get everything completed on time.”
Gerard D. August 2018
“We had a quick close and both of our representatives went above and beyond to get everything completed on time.”
Gerard D. August 2018
“We had a quick close and both of our representatives went above and beyond to get everything completed on time.”
Kevin M. June 2018
“HomeBridge went above and beyond to meet our needs and deadlines.”
Daniel D. March 2018
“They were always available and responsive.”
Mark C. February 2018
“Excellent to work with.”
Esther F. December 2017
“Great service!”
George Z. December 2017
“Well-executed process in getting the loan done. ”
Michael A. November 2017
“I received excellent communication and explanation during the whole process.”
Angelo S. October 2017
“Very friendly and efficient.”
Mariam G. October 2017
“All workers helpful.”
Stephen H. East Providence, RI
“Explained everything that was on the loan.”
Eileen S. Lynn, MA
“Responded immediately to my emails, phone calls, and emails which is essential in our business.”
Scott K. Randolph, MA
“No problems. Closed on time. Bottom line. Thx.”
Jillian H. Danvers, MA
“Got back to me in a timely manner every time I had a question. Explained everything to me when I did not understand fully.”
Jared F. Holbrook, MA
“Gary was the best! Any time I called to check in or had a question about something he would always be there or respond promptly. Gary will be getting all of my referrals because he truly is the best Loan Officer ever.”
Matthew K. Lynn, MA
“Gary was very thorough with his explanations and easy to get a hold of day or night.”
Anthony G. Saugus, MA
“Gary G. did a great job closing the loan on time. Easy to work with and communicates well.”
Lisa P. Walpole, MA
“Gary was fantastic to work with. He responded quickly and we achieved the ultimate goal by getting our client into the home they love.”
Heidi P. Rowley, MA
“As the buyer's Realtor, I could see that the Loan Officer and support staff put a lot of effort into timely communication with my client and myself. From the initial stage of needing pre-qualification letters to the final stage of closing, the Loan Officer was responsive and efficient. Thanks to established systems and good organization, we never had to provide information twice, back track, or deal with surprises. They kept the process moving forward and on-time. Great job!”

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