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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

About me

Hello and welcome to my web page. I'm so happy you're here! I'm Heather Shanaman, a Mortgage Loan Officer, based in Ephrata, PA. I haven't always been a loan officer, but I've been in the business since 2001. I worked behind the scenes in most roles but found that I was able to really connect with people and I needed to make the move to a full-time loan officer. I have a passion for helping others whether it be personally or professionally. I've had my share of ups and downs in life, so I understand where you're coming from. I take the time to really listen to you, to understand you, so I can help you find the best mortgage loan product to fit your needs. You may be buying your first, or last home, maybe refinancing or investing in real estate. No matter what your needs and dreams are, I'm here to walk you through it all. My goal is to make this as easy and as enjoyable as possible and to lower the stress you may feel as you go through this process. This is a big step and it would be my pleasure to help you navigate this time of your life.

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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
4.93 out of 5.0 stars
4.9
5.0
Zackary
Aug 15, 2025
Akron, PA
Verified

Heather was absolutely fantastic! Friendly, helpful, responsive, and genuinely wanting to help!
Ian S
Aug 14, 2025
Verified

Very pleasant, helpful, and informative.
Donna V
Aug 12, 2025
Verified

Seriously, look no further. Heather and Guild were responsive from Day 1, and went above and beyond getting two self-employed folks a decent (for these times) rate.
Donna
Jul 29, 2025
Landisville, PA
Verified

We had inquired with two other lenders in the very beginning of our search, one being my very own credit union. Heather was super resonsive from Day 1 when the others were not. She helped us so much every step of the way. She is knowledgable, very personable, very responsive. She also went above and beyond as far as we are concerned, gettting us to close on time. Would definitely recommend Heather and Guild to anyone looking for a mortgage.
Tammy S
Aug 11, 2025
Verified

Heather was wonderful to work with and understanding on situations that came up during the process that she was able to resolve for us.
Tammy
Aug 09, 2025
Richland, PA
Verified

Heather was very kind to work with and easy to talk to. We got into some issues with a stubborn tenant, and we worked out options and were able to navigate through it smoothly.

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Awards

Causes & Memberships

member of Guild Giving
NMLS ID #1461986
I am authorized to do business in the state of Pennsylvania.