HMA Mortgage- Sheila M Gambatese Nmls#130231

HMA Mortgage- Sheila M Gambatese Nmls#130231 HMA Mortgage
Individual NMLS #130231
Company NMLS #139164
Equal Housing Opportunity This is not an offer to make a loan. All offers are subject to credit approval.

Sheila Gambatese NMLS 130231 | Corporate NMLS # 139164 ©2026 Affordable Mortgage Advisors, LLC dba HMA Mortgage | NMLS # 139164 | 4640 Campbells Run Rd., Pittsburgh, PA 15205 | Not affiliated with FHA/HUD or any other government agency. All applicants must meet certain eligibility requirements and underwriting standards in accordance with the loan product sought. | Arizona Mortgage Banker License

K-2007617; Licensed by the Delaware State Bank Commissioner. DE License #040639; State of Illinois, Division of Banking Illinois Department of Financial and Professional Regulation (IDFPR), 555 West Monroe Street, 5th Floor, Chicago, IL 60661; Massachusetts Mortgage lender License. MA License ; Licensed by the NJ Department of Banking and Insurance; for full state licensing information please visit www.nmlsconsumeraccess.org Equal Housing Opportunity www.hmamortgage.com/page/licensing | hmaprivacypolicy.com

5.0 star review received on Experience.com for Sheila Gambatese by Eric P - Sheila is my main contact and HMA mortgage a...
06/06/2026

5.0 star review received on Experience.com for Sheila Gambatese by Eric P - Sheila is my main contact and HMA mortgage and always does a great job with all of my clients. Excellent communication from start to finish and always a friendly transaction parter.

Click to see all 167 reviews of Sheila Gambatese, Senior Loan Officer | NMLS #130231

A good sunscreen routine makes the whole beach day better. ☀️😎 Same goes for the mortgage process. When you’ve got the r...
06/04/2026

A good sunscreen routine makes the whole beach day better. ☀️😎

Same goes for the mortgage process.

When you’ve got the right people guiding you and everything’s handled upfront, you can relax and enjoy the journey a whole lot more.

That’s how we do things here.

Visit www.ApplyWithSheila.com to explore resources, learn about your options, and take the first step toward homeownership.

Many future homeowners spend years waiting for the "perfect time" when they may already be closer than they realize. Hom...
06/02/2026

Many future homeowners spend years waiting for the "perfect time" when they may already be closer than they realize. Homeownership doesn't always start with a large down payment. It starts with understanding your options.

If you've been wondering whether buying a home is possible for you, let's have a conversation. You may have more opportunities available than you think.

Visit www.ApplyWithSheila.com to explore resources, learn about your options, and take the first step toward homeownership.

Your next chapter could be closer than it looks.

Ever notice how the early beach crowd always gets the best spot? 🏖️ That’s kind of what pre-approval feels like. More op...
05/31/2026

Ever notice how the early beach crowd always gets the best spot? 🏖️

That’s kind of what pre-approval feels like. More options, less pressure, and a little more confidence before the house hunt begins.

And honestly? Confidence looks good on everybody.

Visit www.ApplyWithSheila.com to explore resources, learn about your options, and take the first step toward homeownership.

Buying a home without guidance is like assembling furniture without the instructions. Possible, but not recommended.Most...
05/28/2026

Buying a home without guidance is like assembling furniture without the instructions. Possible, but not recommended.

Most people aren’t born knowing loan programs or homebuyer options. That’s where we come in. We help guide you through each step so everything fits together just right.

Because life’s hard enough without extra nuts and bolts left over.

https://myoc.io/ApplywithSheila

Whether you're ready to go in as a Cash Buyer, looking to give your home a glow-up with a Renovation Loan, or want to mo...
05/26/2026

Whether you're ready to go in as a Cash Buyer, looking to give your home a glow-up with a Renovation Loan, or want to move into your new home before selling with our On Deck Program, I've got you covered.

The right mortgage is right here—let's find your perfect fit! 🏡✨
https://myoc.io/ApplywithSheila

A day of remembrance, gratitude, and reflection. Honoring the brave men and women who made the ultimate sacrifice. ❤️💙ht...
05/25/2026

A day of remembrance, gratitude, and reflection. Honoring the brave men and women who made the ultimate sacrifice. ❤️💙
https://myoc.io/ApplywithSheila

Run your own business? First of all, respect. Second, yes, you can buy a home! It just takes the right strategy and some...
05/24/2026

Run your own business? First of all, respect. Second, yes, you can buy a home! It just takes the right strategy and someone who understands how to read the numbers...that's me! Shoot me a message to get started.
https://myoc.io/ApplywithSheila

As we head into this Memorial Day Weekend, I found myself thinking about one of my Veteran families and the journey that...
05/23/2026

As we head into this Memorial Day Weekend, I found myself thinking about one of my Veteran families and the journey that brought them home.

They were the kind of clients who never asked for special treatment. They simply wanted a safe place to raise their family after years of service, sacrifice, and moving wherever duty called. They had saved carefully, planned responsibly, and were beyond excited when they found the perfect home.

But when their offer was submitted, they quietly worried the seller might overlook them because they were using VA financing.

That conversation has stayed with me.

The truth is, VA buyers are often some of the most qualified, committed, and financially responsible clients I work with. They have earned a benefit through their service to our country, yet there are still misconceptions that sometimes cause sellers or even agents to hesitate.

Here is what I wish more people understood:

VA loans are backed by one of the strongest mortgage programs available. Veterans can often purchase with no down payment, competitive interest rates, and flexible guidelines that help make homeownership more attainable after serving our country. The appraisal process is designed to help ensure the home is safe, sound, and a good long term investment for the Veteran family purchasing it.

In this case, the seller accepted their offer.

A few weeks later, I watched that Veteran family walk into their new home carrying an American flag that had traveled with them through deployments, relocations, and years of service. There were tears, hugs, and a moment none of us will ever forget.

This Memorial Day Weekend, as we honor those who gave everything for our freedom, I also hope we remember the Veterans still here among us who are simply hoping for the opportunity to come home.

To the agents and sellers reading this, please do not overlook VA financing. Sometimes the strongest offer comes with a Veteran behind it. If you have any questions, please feel free to reach out to me!

Address

2830 W 23rd Street Suite #390
Erie, PA
16506

Opening Hours

Monday 8am - 7pm
Tuesday 8am - 7pm
Wednesday 8am - 7pm
Thursday 8am - 7pm
Friday 8am - 7pm
Saturday 8am - 7pm
Sunday 8am - 7pm

Telephone

+18144502517

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