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About me

Homeownership is part of the American Dream.  For some, homeownership is providing their family with stability, privacy and comfort.  For others it allows them to express themselves and have more connection within their community.  And for all, it’s an achievement to feel proud of.  I have helped thousands of homebuyers achieve their goal of homeownership and I love being a part of something so important and rewarding to each of them.   

I have been in mortgage banking since 1990, starting in operations and transitioning to Loan Officer in 2004.  It is my nature to educate and help others whenever I can.  Everyone has a different goal, history and circumstances that we take into consideration to find the best loan program to meet them individually.  Our Lancaster operations team has worked together for years (dating back to 1990 and before, most recently as Residential Mortgage Services) and have processes in place to provide a smooth transaction for your purchase or refinance.  We have built long term relationships internally and with our clients, helping some more than twice or thrice with their financing needs.  I sincerely look forward to developing that same relationship with you on your next purchase or refinance. 

I am licensed in Pennsylvania, Maryland and Virginia.  I live in Lancaster County with my husband of a few (38) years.  We have four wonderful adult children that require us to travel when we visit.  We have two beagles that 100% meet the definition of a hound dog.  I also enjoy reading, music, exercise, outdoors and good food.

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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
4.91 out of 5.0 stars
4.73
4.94
4.95
Sherry
Sep 17, 2025
North East, MD
Verified

Everything went very smooth and I loan officer did check in with me time to time to make sure that I had everything that I needed overall very easy transaction
Stephanie P
Sep 18, 2025
Verified

Shelly was great! She was available whenever I had questions or whenever the buyers had questions. She took the time to make sure everyone was on the same page. Shelly communicated with the listing agents during the process as well, which I really appreciated. Overall, I had a wonderful experience working with Shelly. She is a fantastic lender and I won't hesitate to send buyers in her direction!
Elie
Sep 11, 2025
Lancaster, PA
Verified

great person
Jessica B
Aug 05, 2025
Verified

I had run into issues with my previous mortgage company and wasn’t sure how to move forward. After visiting the home I really wanted, I remember asking God for direction. I called Shelly on the drive home, and by the time I pulled into my driveway, she had already started helping me. From day one, she was incredibly responsive, patient, and supportive. No matter how many questions I had or how stressed I felt, Shelly always took the time to explain everything clearly and made the process feel manageable. Her kindness and professionalism truly stood out. I’m so grateful I had her number—she made all the difference during one of the most stressful times. I highly recommend working with her!
Jessica
Jul 18, 2025
Lebanon, PA
Verified

I ran into a problem with my previous mortgage company and wasn’t sure what to do. I remember driving to the house I wanted and asking God for an answer. On my way home, I called Shelly—and by the time I pulled into my driveway, she was already helping me through one of the most stressful processes I’ve ever faced. From that moment on, she showed incredible patience, always called me back, answered all of my questions, and truly made the experience feel smooth and manageable. She’s sweet, kind, and professional. I’m so thankful I had her number and can’t recommend her enough!
Doug
Jul 31, 2025
Lancaster, PA
Verified

Great transaction with Shelly and Guild Mortgage.

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Awards

Causes & Memberships

member of Guild Giving
NMLS ID #143147
I am authorized to do business in the states of Maryland, Pennsylvania and Virginia. (www.nmlsconsumeraccess.org/);