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First time homebuyer specialist.

Helping you finance the home of your dreams.

About me

Being a first-time homebuyer specialist is incredibly rewarding, as it involves guiding individuals and families through one of the most significant purchases of their lives. With over 30 years of experience, I have a wealth of knowledge to share with my clients. Helping them navigate the complexities of homebuying and finding the right loan tailored to their needs is my mission.

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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
5.0 out of 5.0 stars
5.0
KRISTINA
Dec 23, 2024
Arnold, MO
Verified

Thank you! Great transaction - looking forward to the next one.
Jordanne
Nov 06, 2022
Chesterfield, MO
Verified

Beth was fantastic throughout the entire house hunting and purchasing process! She helped walk us through every step of the way which is something we really needed as first time home buyers. I am extremely thankful she was a part of our team in purchasing our first home!
Christy
Sep 01, 2022
Chesterfield, MO
Verified

Beth gave excellent service from start to finish. She broke down all my loan options into simple terms helped me make an informed selection and walked me through all the documents needed for closing which I was able to upload directly into their system. The communication was great all the way through and I always knew what stage the loan was in. I wholeheartedly recommend working with Beth and Guild for your loan.
Lawanda
Aug 20, 2022
Chesterfield, MO
Verified

Beth was the best. She was so patient with me and made sure I fully understood the process and next steps. She did an excellent job going over my loan documents. Once the documents were signed she stayed and had a friendly conversation with. It was the most comfortable feeling I've ever had when. signing important documents.
Paula
May 18, 2022
Chesterfield, MO
Verified

Beth--as always is an awesome individual to work with during the process of our loan she was always available to answer our questions or concerns extremely helpful.
Lisa
Oct 05, 2021
Chesterfield, MO
Verified

Bar to none Elizabeth Kullmann is the epitome of what exceptional customer service is! When your loan advisor is never too busy to answer your questions even after having an already long day but still calls you back with such a warm and caring attitude....then you know you're at the right place. And that's at Guild Mortgage! Thanks a million Elizabeth for making my home buying experience such a wonderful one! You're the absolute best! Lisa Stephens

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Awards

Causes & Memberships

member of Guild Giving
NMLS ID #1099033
I am authorized to do business in the state of Missouri.