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First time homebuyer specialist.

Helping you finance the home of your dreams.

Building trust, one borrower at a time.

Find out how we performed in the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study.

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
4.9 out of 5.0 stars
4.7
5.0
Kelsey
Oct 20, 2025
Saint Louis, MO
Verified

Beth explains things to me in a way anyone would understand and communicates very well. I have never bought a house before and encountered many obstacles, she was patient and informative. Wonderful recommendations as well.
Tina S
Oct 20, 2025
Verified

Beth is very good and detailed. She can take some complex language and break it down for buyers so they understand. Great on the education of buying a home - mortgage wise. Outstanding communications and on-time on all the checkmarks needed throughout the process.
Tina
Oct 20, 2025
Saint Louis, MO
Verified

Great communication! Our client was a first time home buyer and she said repeatedly throughout the transaction how grateful she was for Beth because she explained things so she could understand them. That helps me do my job better when the buyer is confident in what she can afford and understands the process. Thank you Beth for a great job!
Ronald
Oct 13, 2025
Wentzville, MO
Verified

Elizabeth Kullmann was beyond accommodating and helpful. She is purely the reason I will keep coming back to Guild.
Adam
Jul 31, 2025
Saint Louis, MO
Verified

Beth is a rockstar! The Guild Mortgage team also did a fantastic job of staying in contact with me and getting me what I needed.
William
Jul 31, 2025
Saint Louis, MO
Verified

Great communication skill through out the whole transaction. Continuous contact.

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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.