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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

About me

The most satisfying part of my job is seeing my clients' excitement on settlement day, especially first-time home buyers. It's an incredible feeling knowing that you helped fulfill their dreams of owning a home.

I am coming to the Guild team from RMS with over 15 years of experience in the mortgage industry. I have been a branch manager for the past 11 years. I pride myself on excellent customer service.

I enjoy coaching my childrens' baseball teams, golfing, and cycling to support MS in my free time.

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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
4.99 out of 5.0 stars
5.0
4.95
5.0
Tracy
Mar 24, 2025
North East, MD
Verified

I can't recommend Phil and his team enough! They thoroughly preapprove clients so that there's no surprises prior to closing. Buying a home is stressful enough, but having a great lender like Guild makes purchasing your home an enjoyable process for all!
Cynthia
Mar 17, 2025
Elkton, MD
Verified

Everyone was very patience with me not being very tech knowledgable. It was much appreciated. Also everyone got back right away with any questions or concerns. I was very pleased. Thank you!
MaryJane
Mar 17, 2025
Verified

I can't say enough about how amazing my experience was working with the Davis Lending Team! As a first-time homebuyer, I was navigating a process that felt overwhelming, but their team made every step so much easier. From the start, they were incredibly attentive and always available to answer any questions I had. It felt like I could reach out to them at any time, and they’d be there to assist. What really stood out was the education they provided throughout the entire home-buying process. They took the time to explain every detail to me, which helped me feel confident and informed. When I was cutting it close to my closing date, they expedited services to ensure everything went smoothly. They even jumped on a Zoom call with me to walk through the documentation needed, which was such a huge help! What I appreciated most was their genuine care. It’s rare to find a team that truly cares about your needs, especially when there’s so much money at stake. The Davis Lending Team made me feel like I was more than just another client—they made me feel valued and supported. I highly recommend them to anyone looking for a lending team that combines professionalism with genuine care!
Ann
Mar 03, 2025
Galena, MD
Verified

PHIL WAS GREAT CTC WAY IN ADVANCE
Kathryn
Jan 13, 2025
Rising Sun, MD
Verified

Super easy and made it flow . cant wait o work with them in rhe future!
Mina
Dec 23, 2024
Bear, DE
Verified

eveeything was on the schedule .

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Awards

Causes & Memberships

member of Guild Giving
NMLS ID #162425
I am authorized to do business in the states of Delaware, Florida, Maryland and Pennsylvania.