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About me

The most fulfilling part of my job is witnessing the joy and gratitude on settlement day—especially from first-time homebuyers. There’s something deeply meaningful about helping family's step into a new chapter of their lives.Read more

The most fulfilling part of my job is witnessing the joy and gratitude on settlement day—especially from first-time homebuyers. There’s something deeply meaningful about helping family's step into a new chapter of their lives. Knowing I played a role in making their dream of homeownership a reality is a blessing I don’t take lightly.

I have over 25 years of experience in the mortgage industry, including 20 years as a branch manager. I joined the Guild team from RMS, and I’m proud to continue serving with integrity, compassion, and a commitment to excellence. My approach is rooted in faith, family values, and a genuine desire to make a difference in people’s lives.

Outside of work, I find joy in spending time with my family and friends.

The moments I get to spend with family and community remind me why I do what I do—and who I do it for.

Awards

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Causes and Memberships

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Testimonials

4.98 (194 reviews)
Zillow logo
5.0
Experience logo
5.0
Google logo
5.0
Third party logo
5.0
My fiancé and I recently purchased our first home, and we truly couldn’t have done it without Phill and the team at Guild Mortgage. As first-time homebuyers, we had so many questions and were honestly overwhelmed by the process at times. Our journey to homeownership was long and more complicated than we ever expected, but Phill was there for us every step of the way. He was always quick to respond, took the time to explain everything in a way we could understand, and never made us feel like any question was too small. What stood out the most was how much he genuinely cared. He always had our best interests in mind, advocated for us throughout the process, and made us feel supported from beginning to end. We always knew we could count on him, and that gave us so much peace of mind during such a big life milestone. If you’re looking for a mortgage company that truly cares about its clients, we highly recommend Guild Mortgage—especially Phill. Thank you for making our dream of becoming homeowners a reality. We’ll always be grateful for everything you did for us!
Experience logo
Ashlyn

Aug 6, 2026

Elkton, MD

Phil and the Guild team provide excellent service! Quick to respond, efficient, and available to the client during non-business hours.
Experience logo
Valerie

July 20, 2026

Elkton, MD

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Office Hours

Monday - Friday

Saturday

Sunday

8:00AM - 5:00PM

CLOSED

CLOSED

Monday - Friday

8:00AM - 5:00PM

Saturday

CLOSED

Sunday

CLOSED

NMLS ID #162425

I am authorized to do business in the states of Delaware, Florida, Maryland and Pennsylvania.

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