First time homebuyer specialist.

Helping you finance the home of your dreams.

Elizabeth Kullmann

Production Manager I

NMLS# 1099033

17280 N Outer 40 Road, Suite 101,
Chesterfield, MO 63005

(314) 540-0931

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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

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%.

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.

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.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

The rating and reviews below represent my top reviews. Read all customer reviews here.

4.82 out of 5.0 stars

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Kelsey

Nov 2, 2025

Beth explains things to me in a way anyone would understand and communicates very well. I have never bou...See more

Tina

Oct 5, 2025

Great communication! Our client was a first time home buyer and she said repeatedly throughout the transaction how grate...See more

Ronald

Oct 6, 2025

Elizabeth Kullmann was beyond accommodating and helpful. She is purely the reason I will keep coming back...See more

Tina S.

Oct 2, 2025

Beth is very good and detailed. She can take some complex language and break it down for buyers so they understand. Gr...See more

Adam

Aug 1, 2025

Beth is a rockstar! The Guild Mortgage team also did a fantastic job of staying in contact with me and getting me what I...See more

William