Contact Me

Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

Kara Kelsen

Kara Kelsen

Loan Officer

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

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!

Read Blog

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.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

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

Testimonials

Testimonials
5.0 out of 5.0 stars
5.0
Marni
Feb 05, 2024
Verified

Thanks, Kara

Video gallery

View More

Awards

awards

Causes I'm
passionate about

causes
NMLS ID #1607673
I am authorized to do business in the state of Arizona. AZ BK#0018883; AZ BKBR# 0119516; AZ LO Lic.# 0944271;