We opened our doors in 2008 as a direct mortgage lender. At that time, the mortgage and housing industries weren't seen in the most favorable light. By focusing on people instead of profits, we knew we could do mortgages differently. We believe every first time customer should be a lifelong customer, and we strive to build enduring relationships with our colleagues, our customers, and our business partners. Our main goal is to create beneficial relationships today that will last a lifetime. 

Our entrepreneurial approach and start-up mindset allow us to approach the business of doing mortgages with innovation and flexibility. We avoid all the red tape in favor of a flat management structure that gives every person we work with access to the leadership of our organization which means changes and improvements are made quickly and efficiently. Our open lines of communication ensure we provide the best service to all our customers - internally and externally - building an environment of accountability and gratitude.



GMH Associates is the parent company for the family of businesses that make up the GMH brand. GMH Mortgage is just a one of the revolutionary organizations born from the forward thinking team at GMH Associates. GMH has achieved extraordinary success over the last 30 years through a hands-on approach that produces outstanding results for our clients and partners. We offer creativity that looks beyond standard formulas to devise innovative concepts and workable solutions. We are financially strong and are firmly positioned for continued expansion and significant investment growth in the years ahead.


Joe Nattans President

Joe Nattans Joined GMH Mortgage Services in 2010 and successfully grew the Central Pennsylvania region from 2 to 12 branches between 2010 and 2015. In January 2015, he took on the role of VP leading all retail branches for GMH Mortgage. He then took on the role of President in June 2016.

Joe is a dedicated, hard-working executive focused on the good of the organization while not losing touch with the grass roots efforts of the loan officers on the street.  He is passionate about creating opportunities for his teams and is focused on making sure the borrower has the best possible home loan experience.  Under his leadership, GMH has established the reputation of delivering on-time loan settlements and exceeding customer expectations.

Joe received his B.A in Communications from Western Maryland College (Now McDaniel College). He also attended the AFSA Management Development Program at the Kenan-Flagler Business School on the campus of the University of North Carolina, where he was elected class President.


Bill Bogle Senior Vice President & Chief Operating Officer

Bill joined the GMH team in July of 2012 as the head of Capital Markets.  He has since been promoted to Chief Operating Officer with oversight over the company's daily operations as well as long term strategic planning.  Bill has 15+ years experience in the industry, creating and running Capital Markets departments for industry leading originators.  He began his career trading whole loan mortgage pools and hedging mortgage and leasing pipelines at a large financial services company.


John Santangelo Senior Vice President & Chief Financial Officer

John is responsible for finance, accounting, reporting, cash management, loan servicing and marketing.  John has been with the company since June 2013 and has 17 years in the mortgage industry with another 7 years of banking, brokerage and insurance experience.  John started his career as an audit manager with a Big 4 public accounting firm.  John is a CPA and belongs to the American Institute of Certified Public Accountants and the Pennsylvania Institute of Certified Public Accountants.






From your first home purchase to a refinance or specialty loan program, GMH Mortgage Services has the knowledge, integrity and experience to guide you through the entire mortgage process. ...


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Curtis Rhoten - NMLS: 562181
15 E Main Street
Suite 224
Westminster, Maryland 21157
Phone: (443) 547-9158


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This advertisement is only valid in the state(s) listed. All GMH guidelines/rates are subject to change and credit approval. GMH Mortgage Services LLC(NMLS #134407) 625 W. Ridge Pike, Bldg C, Suite 100; Conshohocken, PA 19428 is Equal Housing Lender. Customer Service: (855) 282-9800.

Maryland-19456. Pennsylvania-26364. Virginia-NMLS#134407 ( For more licensing information, please visit ( 877.507.2006.