(69 reviews)

Charity Cummings

Area Manager

NMLS ID #404245

Bentonville, AR

4.99

(69 reviews)

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1401 SE Walton Blvd, Suite 101, Bentonville, AR 72712

[email protected]

(417) 894-4193

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About me

Military Veteran, mortgage lender, and accomplished Area Sales Manager . With over 30 years in the finance industry, I specialize in assisting first time homebuyers .Read more

Military Veteran, mortgage lender, and accomplished Area Sales Manager . With over 30 years in the finance industry, I specialize in assisting first time homebuyers . As a licensed Team leader in multiple states, I bring leadership and expertise to guide teams to success. In my spare time I also love all things outdoors, hiking, biking, and I have a large family I enjoy spending time with.

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Testimonials

4.99 (69 reviews)

5.0

Charity Cummings is the ABSOLUTE BEST!! the first house I was under contract on fell through. Charity got my new house closed in NINE days. She is amazing at communication and ensured I understood every figure and cost associated with my loan. She worked so hard to get my close done on a super tight timeframe. I would not hesitate ro to recommend her to anyone seeking a mortgage loan! She gave gold star service which is almost impossible to find in the world today. I appreciate her professionalism, dedication, and knowledge.

Rachel R.

Feb 24, 2026 |

Charity was super proactive and helpful. There were times when there were delays due to my busy schedule and she kindly followed up, stayed on top of open items and ensured a smooth closing for us.

Kasyap

Feb 9, 2026 |

Bentonville, AR

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Phone:

(417) 894-4193

Branch:

(479) 935-1030

Email:

[email protected]

1401 SE Walton Blvd, Suite 101, Bentonville, AR 72712

Office Hours

Monday - Friday

Saturday

Sunday

8:00AM - 5:00PM

CLOSED

Monday - Friday

8:00AM - 5:00PM

Saturday

CLOSED

Sunday

CLOSED

NMLS ID #404245

I am authorized to do business in the states of Alabama, Arkansas, Missouri and Washington.

Find the loan that works for you

See what we offer

Whether you’re buying your first home, exploring down payment assistance, relocating for military service or purchasing in a high-cost market, Guild offers a range of loan programs designed to meet different needs and situations.

See all loan programs

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Tools to help guide you

Know before you borrow

Your trust means everything to us.

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

Mortgage income calculator

Find out how much annual income you’ll need to buy a house.

Mortgage payment calculator

See how principal, interest, taxes and insurance make up your monthly mortgage payment.

Temporary buydown calculator

Learn how a temporary rate buydown might reduce your monthly mortgage payment.

Your trust means everything to us.

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

More resources

Helpful resources

What are draw and repayment periods for HELOCs* and HELOANs?

Nearly 30% of homeowners are considering tapping into their home equity, a notable increase compared to a few years ago.

When should I use my home equity?

Your home has probably done a lot for you over the years. It’s where you’ve made memories, celebrated milestones, and planted roots.

Is a 2-1 buydown worth it? Pros and cons explained

A 2-1 buydown, also known as a 2-year temporary buydown, provides breathing room for aspiring homeowners to get started on building equity.

home equity insights

Get smart about your home's value

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Charity Cummings

Let's talk

Get pre-approved

Apply for a loan

Find the loan to fit your life

You have choices when it comes to home financing

About me

Testimonials

Ready to get started?

Keep in touch

Office Hours

Send us a message

See what we offer

Video gallery

Know before you borrow

Your trust means everything to us.

Mortgage income calculator

Mortgage payment calculator

Temporary buydown calculator

Your trust means everything to us.

Helpful resources

What are draw and repayment periods for HELOCs* and HELOANs?

When should I use my home equity?

Is a 2-1 buydown worth it? Pros and cons explained

home equity insights

Get smart about your home's value

Get my app