GSF has named Michael Licciardi as branch manager for GSF's Langhome, Pa. location. Licciardi has been in the mortgage industry for molre than 16 years, and has taken various paths within the mortgage industry, which has helped him develop a well-built network of referrals. Licciardi believes strongly in customer service and providing professional courtesy to his customers. He will go the extra step to explain any drawbacks to the customer and will continue to work and propose a plan in order to help them achieve their goal of homeownership or refinance. Licciardi's expertise is working with homebuyers. He understands that relationships with relators are a key ingredient in developing longevity in the mortgage field. “Refis will come and go but purchases will always be there,” said Licciardi. “I am very excited to welcome Michael to the GSF family," said Chad Jampedro, GSF president. "His extensive experience and expertise will be a substantial benefit to his customers and referral partners. Everyone here at GSF appreciates the opportunity to help Michael grow his business."