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About me

Joe’ (sounds like JOEY) Fritter, is a Loan Officer with Guild Mortgage in the Fort Scott, Kansas branch which is also where she lives on her family farm. Joe’ is surrounded by cows, chickens, ducks, cats, and dogs. Joe’ and her husband have 4 children and 5 grandchildren, with one more on the way.

Joe’ has been a loan officer since March 2022. Prior to this, she worked in healthcare for 34 years. Joe’ saw becoming a loan officer as another way to help people—this time by assisting them in achieving their dream of home ownership. Joe’s healthcare background instilled in her the importance of trust, communication, and building strong relationships, which she brings into her mortgage practice.

Joe’ finds great joy in helping young couples buy their first home, guiding others in purchasing their forever home, and supporting clients through the home loan process. Joe’ is licensed in both Kansas and Missouri and is dedicated to finding the best loan product for families in both states.

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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.

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Testimonials

Testimonials
5.0 out of 5.0 stars
5.0
5.0
Estevan
Jun 18, 2025
Fort Scott, KS
Verified

Joé and Monica made this process extremely easy and fast. As first time home buyers, we had no idea what we were doing. Joé and Monica were extremely knowledgeable, answered all our questions, and made us feel comfortable with this process. We knew we could trust them to help us find the best situation for buying a new home.
Diann
Jun 18, 2025
Fort Scott, KS
Verified

Great communication from Joe' and her staff always keep us abreast of the status of the loan, and anything we need to provide to keep closing on schedule. Often we get to close EARLY when Guild is involved.
Estevan D
Jun 17, 2025
Verified

Joé and Monica were amazing! Not only were they extremely professional and expertises in their field, but they also answered any questions and put to rest any doubts we had.
Scott
Jun 09, 2025
Fort Scott, KS
Verified

I was not the buyer agent. I was the seller's agent. Joe did a great job getting us to the closing table, and communicating with us all the way through.
Carolyn
Jun 02, 2025
Fort Scott, KS
Verified

Very pleasant to work with
Alexander
Apr 21, 2025
Fort Scott, KS
Verified

Joe helped us throughout the way with every obstacle we had and was very patient with us . We are so glad to have had her help to purchase our new home!

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Awards

Causes & Memberships

member of Guild Giving
NMLS ID #2301057
I am authorized to do business in the states of Kansas and Missouri.