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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

About me

Hello! I am a local mortgage lender with Guild Mortgage, where we sort through the complexity, mind the details and take our responsibility seriously because it matters to your future. 

I joined the mortgage industry in 2003 and became licensed in 2010 with licenses in PA, NJ and DE.  

I love numbers - call it geeky, but math is my thing!  

I love credit too - if I wasn’t helping people finance their homes, I’d travel to high schools and teach young people about credit so they don’t make the unknown mistakes I see too often.  

When it comes to homebuyers, I have seen it all! Good credit, bad credit, unique employment, settling estates or divorces, no savings - I don’t judge, instead I enjoy getting creative to help a buyer meet their goals - sometimes it’s a quick goal and sometimes it’s a 3 year plan - but I want to see everyone succeed! 

When is a good time to buy? When you are ready! Don’t let the market or others’ opinions decide for you, you know what you want and need - go for it!  

Ask an expert like me - there’s no question too minor when you are borrowing hundreds of thousands of dollars, ask every question - the answers are free! 

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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.
VA

VA

If you’re an active member of the military or a veteran, a VA loan can help you save money with no down payment and lower closing costs. VA loans also have lower interest rates, meaning you’ll save money over the life of your loan. A VA loan is a program created and guaranteed by the Department of Veterans Affairs (VA) specifically for eligible military veterans, service members and their spouses.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
4.9 out of 5.0 stars
4.89
5.0
David
Mar 10, 2025
Philadelphia, PA
Verified

When I first called Katy she talked herself out of a good piece of business by explaining to me that I could do it a different way without her. When, several weeks later and only a week before closing, that fell apart, I called Katy again. It was like she had nothing else to do. She got on it and put together a mortgage for me in a week! Amazing
Deb S
Mar 03, 2025
Verified

Katy has been my preferred lender for a very long time. She is very responsive, my clients love her. I am always happy to see her at the settlement table giving my clients a clear explanation of the documents and always with a bright and kind demeanor. Thank you Katy, you are the best!
Paula
Feb 24, 2025
Springfield, PA
Verified

Katy went above and beyond to help support us and guide us each step of the way through our first mortgage application process. She made what seemed like a very intimidating process become very simple. she constantly communicated with us and answered all of our questions thoroughly. We would recommend her time and time again.
Neil K
Feb 24, 2025
Verified

I've worked with Katy for 20?! years and Guild is the best company she has been with. What a winning combo!
Neil
Feb 24, 2025
Springfield, PA
Verified

I just had Steve Dickerson call Katy a few hours ago.
Brandon T
Feb 13, 2025
Verified

I can't say enough good things about my experience working with Katy! As a first-time homebuyer, I had so many questions and concerns, but she made the entire process smooth and understandable. From explaining the loan options to keeping me updated every step of the way, Katy went above and beyond to ensure I was comfortable and confident. She truly cares about helping you achieve your homeownership dreams and I felt supported throughout the entire journey. I highly recommend her to anyone looking to buy a home!

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Causes & Memberships

NMLS ID #183951
I am authorized to do business in the states of Delaware, New Jersey and Pennsylvania. Licensed by the N.J. Department of Banking and Insurance;