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Kara Kelsen

Loan Officer

NMLS# 1607673

1530 E Williams Field Road, Suite 206, 210,
Gilbert, AZ 85295

(602) 900-7094

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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

Hey there, I’m Kara – your trusted partner in the mortgage industry. I have been helping families make their homeownership dreams a reality since 2010. I have served hundreds of families in their quest to either save money with a refinance or purchase a home with the best possible financing package. Guild Mortgage has been in business for over 60 years and is a leading mortgage lender. We service a majority of loans we close and handle everything locally. My mission is to understand my clients’ needs and deliver an experience that is far beyond their expectations. In addition to being a mortgage professional, I am most happy when floating on the river. I am a mom to a 10 year old boy and have a black lab that we adore! I am super excited to show you how EASY getting a mortgage can be!

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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

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

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.

Reverse Mortgage loan

If you're retired or at least 62 years old and looking to purchase or refinance to make the most of your home investment, this may be a good option for you. A reverse mortgage allows you to use the equity in your home to supplement your retirement income.

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

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Testimonials

The rating and reviews below represent my top reviews. Read all customer reviews here.

4.93 out of 5.0 stars

5.0

4.9

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Brian

Nov 2, 2025

I recently worked with Kara Kelsen at Guild Mortgage on my mortgage refinance, and I couldn’t be more impressed with the...See more

Brian

Oct 7, 2025

Just was so impressed by her communication, and customer service mentality. She over delivered and this is rare anymore ...See more

Tha

Oct 3, 2025

willing to help

Cari G.

Oct 4, 2025

Kara was amazing to work with! She was patient and knowledgeable and took the time to educate my clients on their optio...See more

tom t.

Sept 1, 2025

Top notch customer service throughout the whole process. Our loan officer Kara was professional and her customer service...See more

Jasmine R.

Aug 4, 2025

We had an excellent experience with Kara. She has always been clear, communicative, and made the process seamless. Every...See more

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Causes & Memberships

NMLS ID #1607673

I am authorized to do business in the state of Arizona. AZ BK#0018883; AZ BKBR# 0119516; AZ LO Lic.# 0944271;