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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!
Hands down the greatest mortgage company ever. Our experience was phenomenal. Everyone that was involved went above and beyond to make sure we got exactly what we were looking for. Never be afraid to voice your opinion they are there to help you and that’s exactly what they did for us. Thank yall so much for everything.
Excellent communication, knowledge and customer service! 100% recommended
Tim is a true professional. He has excellent communication skills with clients and brokers. Very knowledgeable on the various loan products and goes above and beyond to ensure the client has the best option available! Highly recommend.
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