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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

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.

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Testimonials

Testimonials
4.96 out of 5.0 stars
4.93
5.0
4.94
5.0
Benjamin
Mar 17, 2025
Middletown, PA
Verified

Everyone involved with the Andy Cardina team was wonderful to work with. As first time home buyers, they made sure we were informed every step of the way. Incredibly easy to work with and great experience!
ROBERT
Mar 17, 2025
West Reading, PA
Verified

Great young man! Smart and professional!!
Sheri
Mar 17, 2025
Middletown, PA
Verified

Very smooth transaction. You made the process "easy" for my clients.
Maggie R
Mar 17, 2025
Verified

Andy and the team were so easy to work with and so helpful throughout the entire process of buying our first home. We would highly recommend Andy to anyone!
Margaret
Mar 17, 2025
Middletown, PA
Verified

Andy and team were amazing to work with. As first time home buyers, they put our minds at ease from the start and were incredibly helpful and responsive. We cannot recommend them enough!!
Sharon
Mar 17, 2025
West Reading, PA
Verified

Transparent, timely, and consistent communication.

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Awards

Causes & Memberships

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