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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

About me

Welcome Home! 
 

If you're ready for a Personal and Ethical mortgage transaction, I would be happy to assist and answer the many questions you may have. 
 

Guiding buyers since 1996, I have been dedicated to the management of successful branch operations and personal loan production. My experienced mortgage team understand market trends and has a collective knowledge with all facets of mortgage lending. We maintain the highest of standards and uphold strong values while providing superior customer service. I pride myself with providing personalized mortgage experiences to all of my borrowers, realtors and builders. With 95% of my customers being direct referrals from past clients and community contacts, I build customers for life. 
 

Our team greatly appreciates all of our borrowers and referring partners and we look forward to helping all future borrowers achieve their financing goals. 

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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
5.0
4.88
4.97
Addison P
Feb 19, 2025
Verified

This was, by far, the most pleasant experience I've had with a mortgage company. Tim was friendly, thorough, willing to take the time to show me all my options, and never pushy or aggressive. I recommend him 1000%!
Michael
Feb 18, 2025
Summerfield, NC
Verified

Tim was fantastic to work with, not pushy at all, and laid out all my options in a clear and understandable way. Just a great experience all around.
Jennifer
Feb 18, 2025
Summerfield, NC
Verified

Tim was an integral part of helping my clients purchase their new home. He was responsive and organized and communicated everything they would need which helped to make it a very smooth transaction.
Samuel J
Feb 08, 2025
Verified

As a first time homebuyer, I honestly wasn't really sure what my buying power would be like. I had a good grasp of my assets and such, but didn't really know what everything would add up to. Long story short, Tim was there every step of the way during the process. Made it very clear where my down payment funds would be best used, and advised me in different ways that I was not aware of when first starting on my journey. It even felt like he was making an effort to assure that I was aware of what the path would look like in buying a house overall, something he didn't have to do, but to me really showed that he cared about making sure I knew what I was getting into. The process was so smooth and I never felt pressured to make any moves before I was ready or like I was being upsold on anything.
Amelia
Jan 08, 2025
Verified

Very professional service, Mrs. Kerlin, very attentive and kind, very grateful to her, she helped me a lot Servicio muy profesional la sra kerlin muy atenta y amable muy agradecida con ella me ayudo mucho
Danielle M
Dec 31, 2024
Advance, NC
Verified

My family and I are beyond grateful for Tim and his team at Guild Mortgage. This is our second time buying a home with Tim and he is patient, personable, and invested in helping his clients find the right home, rate, and best experience. This team exceeded my expectations as we were overwhelmed with selling and buying at the same time and were under contract with multiple homes during this process. Tim was beyond patient and helped us restructure our loan more times than we would like to admit in order for us to settle on the best home for us. We will always contact Tim and his team if we plan to purchase another home in the future. Thank you Tim and Guild!

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Awards

Causes & Memberships

member of Guild Giving
NMLS ID #99435
I am authorized to do business in the states of North Carolina, South Carolina and Virginia. (www.nmlsconsumeraccess.org/);