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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

Own what matters
Own what matters

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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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
4.97 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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Causes I'm
passionate about

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