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About me
Welcome Home!
If you're seeking a mortgage experience that is both personal and ethical, I'm here to guide you every step of the way. Serving North Carolina, South Carolina, Virginia & Alabama
Since 1996, I've been committed to helping homebuyers navigate the mortgage process with confidence and clarity. With a strong background in branch operations and personal loan production, I lead a seasoned mortgage team that brings deep expertise and insight into every aspect of mortgage lending. We stay ahead of market trends and are dedicated to delivering exceptional service with integrity and professionalism.
Our team is built on a foundation of high standards and strong values. We take pride in offering tailored mortgage solutions to meet the unique needs of each borrower, realtor, and builder we serve. With 95% of our business coming from referrals by past clients and community partners, we focus on building lasting relationships-customers for life.
We are truly grateful for the trust our clients and referral partners place in us, and we look forward to helping future borrowers achieve their home financing goals.
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Meet my team
I work closely with my team of specialists to get you the financing you need. See what each member brings to the team.
I am not a licensed originator.
I am not a licensed originator.
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
It has been a GREAT and EASY process working with Guild Mortage especially Tim Kritcher . This was our first time buying a home . I highly appreciate Tim Kritcher and Guild Mortage for their hard work and passion . I would highly recommend him and Guild Mortage to anyone. Thank You for all you have done!
As first-time homebuyers, we couldn’t have asked for a better lender than Tim from Guild Mortgage. From the very beginning, Tim was incredibly patient with us—always ready to answer our millions of questions with clarity, professionalism, and a reassuring smile. He made the entire process smooth and much less intimidating. Tim was quick to respond every step of the way and truly went above and beyond to support us from start to finish. What really stood out was that he personally showed up to our closing meeting, which meant the world to us. Having him there ensured we fully understood everything and felt confident through the final steps of our journey. If you're looking for a lender who genuinely cares, communicates clearly, and supports you like a true partner—Tim is the one. We can’t recommend him highly enough!
Tim is always responsive, professional, knowledgable, and caring. I know when I send a client to him, they will get the very best guidance and assistance. You don't just get the vanilla with Tim. You get a custom experience based on your needs and desires. He listens! He is the best!
Working with Tim and his team was such a smooth experience! Their communication was outstanding—always quick with updates, clear with details, and proactive in keeping everything on track. From start to finish, the whole process felt seamless, which made it so much easier for both me and my buyers. As a Realtor, having a lending team that goes above and beyond makes all the difference, and Tim’s team did exactly that. They were professional, personable, and truly cared about making sure everything went as smoothly as possible. I’d absolutely recommend giving Tim and his team a call—my buyers were in great hands, and I can’t wait to work with them again!
I love hearing from the other parties to a transaction. Communications is so important. Guild Mortgage is GREAT on communicating... it's their best attribute and their most valuable company trait.
Tim Kritcher is great! He's honest, patient, positive, and full of knowledge. He answers all your questions, and he breaks them down so you understand them. He has made my home-buying process very easy. I would definitely recommend Tim and his team. Thank you so much for all your help!
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