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Melinda Trent

Loan Officer

NMLS# 131372

About me

Meet Melinda Trent

Welcome to my corner of the internet! I'm Melinda Trent, a Mortgage Loan Officer based in Lancaster, PA. With a blend of creativity, curiosity, and a passion for helping others, I'm on a mission to help home buyers realize their dreams whether for the first- time purchase, an investment or a second home. I believe every mortgage is a chance to empower families—creating stability, opportunity, and community one home at a time. We can assist you in the state of PA, MD, DE, or FL and if your life journey leads you somewhere else, we have great friends across the country we can refer you to.

What Drives Me?

I'm fueled by a desire to make homeownership dreams a reality. Whether it's for a first- time home, beginning a real estate investment portfolio, or financing a get-away in the mountains or at the beach, I'm dedicated to making a positive impact and inspiring others along the way. I am a strategist at heart and a connector by nature. When I’m not helping clients find the right loan solution, I’m spending time with my husband, kids, and grandkids, or enjoying my favorite hobbies—reading by the ocean, gardening, and exploring new places.

My Journey

My journey in Mortgage Banking over the last 32 years has been filled with twists, turns, and exciting discoveries. I've learned valuable lessons that have shaped me both personally and professionally. I’ve been recognized by Scotsman Guide year over year as a Top 1% Originator nationally and a top performer for Pennsylvania Housing Finance Agency.

What Sets Me Apart?

What sets me apart is my compassion, attention to detail and industry knowledge combined with what I believe to be the best team in the country. With a blend of problem solving and strong communication skills, Team Trent brings a unique approach to every loan while focusing on earning a 5-gold star rating from our clients each and every time (and so far we’ve earned over 550 from our clients!).

Let's Connect!

I'm always open to new opportunities, collaborations, and conversations. Whether you're interested in financing a home purchase with a mortgage, or simply want to chat, I'd love to hear from you.
 

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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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.
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USDA

Are you purchasing a rural property? A USDA loan is a great fit. Enjoy lower interest rates with no down payment. These loans are best suited for homebuyers with moderate to low income and are offered to rural property owners through the U.S. Department of Agriculture (USDA).
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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.

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

Meet my team

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I work closely with my team of specialists to get you the financing you need. See what each member brings to the team.

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Home equity insights

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Testimonials

The rating and reviews below represent my top reviews. Read all customer reviews here.
4.93 out of 5.0 stars
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4.9
Facebook logo
5.0
Experience logo
5.0
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5.0
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4.9
Dana G.
Dec 19, 2025
Google logo
Melinda and her team offer amazing loan products that will fit just about anyone. If Guild doesn't have it, it doesn't e...See more
Takira T.
Dec 19, 2025
Google logo
Amazing!! The Guild team is AMAZING AND I LOVE MELINDA 🏠💐❤️
Ron
Dec 19, 2025
Lancaster, PA
Experience logo
I'm not sure how Melinda got this one to the table but she did somehow. Awesome job.
Takira
Dec 19, 2025
Lancaster, PA
Experience logo
The Guild team is amazing!!! Melinda IS heaven sent and, was a phone call away through the whole process, as...See more
Trevor
Dec 18, 2025
Lancaster, PA
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Melinda and team are amazing! Worked days, nights and weekends to help us put offers in on houses. Stuck with us unitl w...See more
Dana
Dec 18, 2025
Lititz, PA
Experience logo
Melinda and her team offer amazing loan products that will fit just about anyone. If Guild doesnt have it, it doesnt exi...See more

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Awards

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Causes & Memberships

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NMLS ID #131372

I am authorized to do business in the states of Delaware, Florida, Maryland and Pennsylvania.

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