John Marculitis-Mortgage Sales Manager for Home Loan Investment Bank. NMLS 38410. 77 West Main St Hopkington MA 01748. FHA Loans, FHA 203k Purchase & Rehab Loans, FHA 203k Refinance, USDA Loans, VA Loans, Refinance. If you are a First Time Homebuyer, there are certain programs that we want you to know about.