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About Me

One of the greatest pleasures in my life is spending time with my family in our home. It's the place where we can laugh, cry, play, study, work, and rest together. It's also the place where no matter how rough our day may have been, we find peace and security within our walls when we get home. I want everyone to have this opportunity which is why I am so passionate about what I do!

Since 2002, I've been helping people finance their homes by listening to their needs and objectives to provide them with the best loan program that makes their dream of Home Ownership a reality. I've provided home loans to more than 3,500 families, and I look forward to working for you as well. If we have not yet spoken, I hope you take a moment to give me a call.

I come to Guild Mortgage from Residential Mortgage Services with an extensive background in mortgage lending. An innovator at heart, I create systems that my team can use to walk a borrower through a smooth mortgage experience. With custom touchpoints and a hands-on team, my mortgage clients can relax knowing they are well cared for.

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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
4.97 out of 5.0 stars
5.0
4.95
5.0
Richard
Jan 16, 2024
Verified

I travel a lot for work plus I run multiple facets of a business. Being able to communicate via text and email works well. Thanks again Rick Stiver
Elyse
Jan 08, 2024
Verified

The whole team was great to work with as they handled themselves professionally and in a very friendly manner. Responses were received quickly and everything remained organized and timely over the course of the house closing process. Would definitely work with them again or recommend anyone to this team.
Cory S
Jan 11, 2024
Verified

The Andy Cardina Team at Guild Mortgage is outstanding. It starts with Rob Cardina... it is extremely valuable for me as a Real Estate Agent to be able to always refer new buyers to Rob. Rob is extremely speedy in his cost sheets and always willing to jump on the phone to help explain the mortgage process and answer any questions. From there and once we have an offer accepted, the Team continues the excellent service. Shilo and Michele are very timely and communicative throughout the process, giving the buyers very clear instruction and updates along the way. For me, it is invaluable to know once I refer a client to Guild, I can have 100% confidence that Guild will do whatever needs to be done to get us to settlement, and keep me and my clients informed along the way.
Cory S
Jan 11, 2024
Verified

The Andy Cardina Team at Guild Mortgage is outstanding. It starts with Rob Cardina... it is extremely valuable for me as a Real Estate Agent to be able to always refer new buyers to Rob. Rob is extremely speedy in his cost sheets and always willing to jump on the phone to help explain the mortgage process and answer any questions. From there and once we have an offer accepted, the Team continues the excellent service. Shilo and Michele are very timely and communicative throughout the process, giving the buyers very clear instruction and updates along the way. For me, it is invaluable to know once I refer a client to Guild, I can have 100% confidence that Guild will do whatever needs to be done to get us to settlement, and keep me and my clients informed along the way.
Taylor
Jan 08, 2024
Verified

Very responsive and excellent team. Organized and glad I was referred by Cory Stoltz (Berkshire Hathaway).
Ross F
Jan 09, 2024
Verified

Fantastic person/team and stellar business person. Andy and team ALWAYS get the job done and our clients love them!

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NMLS ID #143174
I am authorized to do business in the state of Pennsylvania.