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Kelly Lankford – Guild Mortgage Lender

Kelly Lankford

Senior Loan Officer

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4851 Wharf Parkway, D-228,
Orange Beach, AL 36561
(251) 213-8314

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Phone:
(251) 213-8314
Mobile:
(251) 213-8314

Building trust, one borrower at a time.

Find out how we performed in the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study.

About me

I have been finance for the past 26 years. I have spent over the last 15 years in the mortgage industry. I enjoying helping people purchase there first home to those purchasing second homes and investment properties. I enjoy helping our Veterans purchase homes and understanding the VA loan process as I am a daughter of a Vietnam Veteran. I enjoy educating people of the process of home buying and the benefits of owning a home. I find myself getting as excited as my Borrowers on home closing day.

In my spare time I enjoy spending time with my husband and our teenage daughter. My most favorite times are spent traveling. I love going new places and experiencing new things.  I enjoy visiting cities that are walkable, as I enjoy architecture and most of all seeing buildings and homes that have been restored.
 

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
VA

VA

If you’re an active member of the military or a veteran, a VA loan can help you save money with no down payment and lower closing costs. VA loans also have lower interest rates, meaning you’ll save money over the life of your loan. A VA loan is a program created and guaranteed by the Department of Veterans Affairs (VA) specifically for eligible military veterans, service members and their spouses.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
The rating and reviews below represent my top reviews. Read all customer reviews here.
4.95 out of 5.0 stars
5.0
5.0
4.91
5.0
Ronald
Oct 17, 2025
Attalla, AL
Verified

Easy to work with if i I had a question got an answer fast.
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Jennifer
Oct 02, 2025
Daphne, AL
Verified

Kelly is always so fantastic to work with Closings are never delayed She's is on top of it and always makes the closing process flow very smoothly. She goes above and beyond for her clients
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Hannah
Aug 21, 2025
Southside, AL
Verified

we got clear to close days before closing. Everything was smooth and timely!
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Chrystal
Aug 21, 2025
Southside, AL
Verified

Wonderful Service that made the loan process EASY!!
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Rose
Jul 25, 2025
Summerdale, AL
Verified

All staff I had contact with were professional, knowledgeable, and pleasant.
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Georgine
Sep 19, 2025
Gulf Shores, AL
Verified

great team and made sure we closed on time!
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Awards

Causes & Memberships

member of Guild Giving
NMLS ID #740011
I am authorized to do business in the states of Alabama, Florida, Louisiana and Mississippi. Licensed by the Mississippi Department of Banking and Consumer Finance;