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Opening doors of homeownership

Select from hundreds of loan products tailored to your needs

About me

The best part of my job is the excitement and joy a new home brings to an entire family. I take the responsibility of financing my client's home very seriously and appreciate the trust they instill in me. If you are looking to purchase or refinance your current mortgage to help with debt or home improvements, I would love the opportunity to help guide you thru the process.

I am coming to Guild Mortgage from Residential Mortgage Services with 19 years of experience in the industry, including playing the Loan Officer, Co-Owner and Team Leader, and Office Manager roles. When not helping families finance their homes, I enjoy spending time with friends and family, traveling, hosting parties, and gardening.

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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
4.99 out of 5.0 stars
5.0
5.0
4.97
5.0
John
Sep 30, 2024
Parma, OH
Verified

Patience was absolutely amazing! She was super helpful, worked around our tough schedule, and never made us feel stupid or that we didnt have a chance to make this work. She was excellent with communication, and was always available to talk whenever we had one (of our many) questions on the process. Even before we officially started our mortgage process, she was willing to answer beginning questions even before she know if we would use her as our mortgage officer. This process was extremely stressful, but Patience and everyone who was working with her behind the scenes made it as easy as possible for us and helped to relieve a lot of the stress and uncertainty. I can't recommend her highly enough and will share her information with anyone I know who is looking to purchase or refinance a house, because she has made this experience as simple, straightforward and comfortable as possible, and I will always be thankful of that!
Sarah
Sep 30, 2024
Parma, OH
Verified

Patience took the time to communicate with us through every step. We are completely new to the home buying process. She consistently fostered an environment where we felt encouraged to ask questions and share our thoughts without fear of judgment. Patience answered all of our questions with understanding and helped us to put our best selves forward in order to purchase our first home. We appreciate all she has done for us and our family. I would recommend working with Patience and Guild Mortgage to absolutely anyone. If we ever move again we will certainly look to Guild Mortgage and Patience Bates to help us through the process. Thank you for EVERYTHING!!!!
Grace
Jul 08, 2024
Parma, OH
Verified

We appreciate all the help you've given us! You have a great team working for you. We can't thank your entire team enough for all of your hard work on getting our loan taken care of and early for that matter. Thanks to Patience Bates we are grateful that we met you. I hope and pray that you can help more people like us who have struggles of getting house.
Kristine
Feb 18, 2025
Brook Park, OH
Verified

Patience was very professional and responsive.
Brittanie E
Jan 18, 2025
Verified

Patience was right on top of it! Great transaction thank you!
Brittanie
Jan 06, 2025
Broadview Heights, OH
Verified

on time and communicative

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NMLS ID #284235
I am authorized to do business in the state of Ohio.