Meet Your Loan Officer | Sam Kotzur

Sam Kotzur made the easy move from Pittsburgh, Pennsylvania to Ocean City, Maryland after falling in love with the water, sand and city after a short visit in 2006. Ocean City quickly became his new home and Sam wanted to share this new found love for his town with his local neighbors. He started helping potential homeowners purchase the home of their dreams so they could enjoy shore life just like he was.

Sam's determined spirit started when he double majored in Business Management and Business Marketing at Slippery Rock University. Upon graduation, Sam spent 10 years in the banking industry overseeing the loan operations department at the local community bank. He then transitioned to the mortgage industry where he spent the last 4 years originating loans and established himself as a top producer in the Ocean City Market.  His professionalism, knowledge and customer service are a cut above the rest and are unsurpassed, making his homebuyers feel completely at ease and satisfied. Sam prides himself on the simple fact that he is able to make the “impossible” loans possible. Sam strives to give each homebuyer a personable and memorable experience, assuring them complete client confidence on the road to owning their dream home.

When Sam's not helping his clients down the road to homeownership, Sam enjoys watching football with friends and loves walking his dog, Gus, on the boardwalk to enjoy Ocean City’s famous fries from Thrasher’s. Sam couldn’t be happier with his life here on the Shore and is eager to help his homeowners enjoy it as well.

Sam Kotzur

Loan Officer
NMLS# 1148351
Cell: 724.840.2912
Office: 410.656.1103
Fax: 443.293.8899

220 East Main Street | Suite A
Salisbury, MD 21801

Introducing Our New and Improved Program

We're Proud to Support Our Community Heroes.

As our way to give back to those who have served and supported our country and local communities, we're offering a $599 lender credit to all active military, veterans, first responders, firefighters, law enforcement, teachers and healthcare providers as our way to say "thank you". 

The Loan Process

Tips for a Faster Loan Approval

Prompt Communication
Respond timely to any requests for additional documents especially if you need to close by a certain date.
Complete Application
Make sure to fill out your loan application completely.
No High Ticket Purchases
Do not make any major purchases until your loan closes. This can have a harmful effect on your current loan application.
Untraceable Funds
Do not transfer money into your account that cannot be traced.

FHA Loan
FHA Loans offer a low down payment, flexible qualifying requirements and are tailored to fit a variety of needs. FHA loans are perfect for homebuyers with less than stellar credit or with less cash available for an initial down payment than usually required.
VA Loan
VA loans offer military veterans and active military members 100% financing and have flexible requirements and qualifications. These mortgages do not always require a down payment and are guaranteed by the Department of Veterans Affairs, so they do not require mortgage insurance.
USDA Loans
USDA Loans offer 100% financing, minimal down payment, competitively low rates and flexible income requirements for mortgages located in rural areas. There are several types of USDA loans that help low- or moderate-income borrowers buy, repair or renovate a home in a rural area.
Adjustable Rate Mortgages
An Adjustable Rate Mortgages or ARM, carries an adjustable interest rate. Typically a borrower will start with a lower interest rate than that of a typical Fixed Rate Mortgage, but the amount of the monthly house payment will adjust and change over time as interest rates fluctuate.
Jumbo Loans
Jumbo loans allow borrowers to secure financing much greater than the conforming limits set by regulations for homes in most areas.
Interest Only
These loans allow the homeowner to make lower monthly payments by only requiring the interest payment for a set period of time, typically in the 5-10 year range. Interest-Only Loans are perfect for borrowers whose income fluctuates or is anticipating a sizeable increase in their future income.
Conventional Loans
A Conventional Loan refers to a loan that is not backed, insured, or guaranteed by the US government. These loans can be either conforming or non-conforming.
Conventional Conforming
Loans that are generally approved for a term of 15 or 30 years.
City, County and State
GMH offers a wide variety of local programs that are specific to that area. These types of loans are sponsored by regional Housing Finance Agencies (HFA), and typically carry rates lower than the current market, resulting in lower loan payments.

Click here to visit our full Programs page to learn more.

Safe & Secure Process

Access your file anytime, anywhere, through our GMH Borrower Portal
Safe and secure processes that will leave you worry free
Expedited service will get you into your home faster

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