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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

Kim Pettitt

Kim Pettitt

Loan Officer

349 E Pulaski Hwy, Suite A-1, Elkton, MD 21921
Own what matters
Own what matters

About Me

I am excited to bring my 25 years of experience in the financial industry to Guild Mortgage! For me, customer satisfaction is my highest focus. My clients are not just a transaction. We make a personal connection that lasts long after we get them into their new home.

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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.
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.

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Testimonials

Testimonials
4.98 out of 5.0 stars
5.0
4.95
Donna
Jun 16, 2024
Verified

She is always the best, can reach her anytime, she is always extremely patience with clients and always delivers as promised. Se is great to work with!
Deanna
Mar 15, 2024
Verified

As always, Kim and her team went above and beyond to service our buyers!
Naomi
Nov 20, 2023
Verified

Everyone was very helpful and polite.
Kristie
Nov 20, 2023
Verified

Kim and her team were fantastic during every step of the way. We were always kept in the loop and everything was seamless! Thank you!
James
Nov 20, 2023
Verified

Kim got the job done efficiently and was a great communicator along the way.
David
Nov 20, 2023
Verified

Very knowledgeable.Guild staff talked us through everything we didn’t understand.Guild is a very professionally oriented company.

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Awards

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passionate about

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NMLS ID #147143
I am authorized to do business in the states of Delaware, Maryland and Pennsylvania.