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About me

With nearly 25 years of experience in the mortgage industry, I help homebuyers, homeowners, and real estate investors find the right mortgage financing for their goals. Based in Scarborough, Maine, I’m an experienced mortgage loan officer serving clients throughout Maine, New Hampshire, Massachusetts, and Florida.Read more

With nearly 25 years of experience in the mortgage industry, I help homebuyers, homeowners, and real estate investors find the right mortgage financing for their goals. Based in Scarborough, Maine, I’m an experienced mortgage loan officer serving clients throughout Maine, New Hampshire, Massachusetts, and Florida.

 

Whether you’re a first-time homebuyer, purchasing your next home, buying a vacation or second home, building or renovating a property, or financing an investment property, I provide personalized mortgage guidance from application through closing. My goal is to make the home loan process straightforward, transparent, and as stress-free as possible while helping you understand your mortgage options and choose a financing solution that fits your needs.

 

Home Loans & Mortgage Programs

 

I work with a wide range of borrowers and offer a diverse selection of mortgage and home financing programs, including Conventional loans, FHA loans, VA loans, Rural Development (RD) loans, MaineHousing programs, Construction loans, Renovation loans, DSCR loans, Bank Statement loans, Asset Utilization loans, and 1099 mortgage programs. I also work with real estate investors and self-employed borrowers who may need alternatives to traditional mortgage qualification. Whether you’re looking for an investment property loan, DSCR mortgage, bank statement loan, construction financing, renovation financing, or another specialized mortgage program, I can help you explore available options and determine which approach may be appropriate for your situation.

 

 

Your Local Maine Mortgage Resource

 

As a Scarborough, Maine mortgage professional, I understand the importance of having a knowledgeable local resource when buying or financing real estate. I help borrowers throughout Southern Maine, Greater Portland, the Maine coast, and Western Maine, including Scarborough, Portland, South Portland, Falmouth, Westbrook, Saco, Biddeford, Kennebunk, Auburn, Kingfield, Carrabassett Valley, and the Sugarloaf area.

 

Whether you’re searching for a mortgage lender in Portland, a home loan in Scarborough, financing for a vacation home near Sugarloaf, a Maine construction loan, or an investment property mortgage, I’m here to provide personalized guidance throughout the financing process.

 

Nearly 25 Years of Mortgage Experience

 

Every borrower and every property is different. With nearly 25 years in the mortgage industry, I take the time to understand each client’s financial situation, property goals, and long-term objectives before discussing financing options. I believe great mortgage service means being responsive, communicating clearly, answering questions, and helping clients know what to expect throughout the process.

 

I’m proud to call Scarborough, Maine, home, where I live with my wife and our two daughters. Outside of work, our family enjoys everything Maine has to offer—from summer days at the lakes and beaches to skiing at Sugarloaf Mountain in the winter. Being part of the local community and helping people achieve their homeownership and real estate investment goals is something I truly value.

 

Looking for a Mortgage Lender in Maine?

 

If you’re searching for an experienced mortgage lender or mortgage loan officer in Maine, New Hampshire, Massachusetts, or Florida, I’d welcome the opportunity to work with you.

 

From first-time homebuyer loans and conventional mortgages to construction loans, renovation financing, vacation homes, DSCR loans, and investment property financing, I’m here to help you understand your options and move forward with confidence.

 

If you’re buying, building, renovating, refinancing, or investing in real estate in Scarborough, Portland, South Portland, Falmouth, Kennebunk, Saco, Biddeford, Westbrook, Auburn, Kingfield, Carrabassett Valley, the Sugarloaf area, or surrounding Maine communities, let’s connect and discuss your mortgage financing goals.

Awards

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Causes and Memberships

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Testimonials

4.98 (264 reviews)
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5.0
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5.0
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5.0
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5.0
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5.0
I honestly didn't think I would qualify for the mortgage, butTom got it
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John

Aug 6, 2026 | 

Parsonsfield, ME

Tim is the best!
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Kailina

July 16, 2026 | 

Buxton, ME

Ready to get started?

Get in touch to discuss your home financing goals and explore next steps together.

Office Hours

Monday - Friday

Saturday

Sunday

8:00AM - 5:00PM

CLOSED

CLOSED

Monday - Friday

8:00AM - 5:00PM

Saturday

CLOSED

Sunday

CLOSED

NMLS ID #370671

I am authorized to do business in the states of Florida, Massachusetts, Maine and New Hampshire. MA Mortgage Lender License #MC3274; MA Mortgage Broker License #MC3274; MA MLO Lic # MLO370671;

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Whether you’re buying your first home, exploring down payment assistance, relocating for military service or purchasing in a high-cost market, Guild offers a range of loan programs designed to meet different needs and situations.

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