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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
4.9 out of 5.0 stars
4.73
4.92
4.93
Robert
Jun 02, 2025
Marietta, PA
Verified

Shelly was efficient with her work and clearly comminicated each step of the process with me. I felt safe and secure and in good hands with her guidance.
Garrett D
Jun 03, 2025
Verified

Shelly was fantastic and great to work with. Highly recommend!
Garrett
Jun 02, 2025
Manheim, PA
Verified

The best! Thank you Shelly & Guild!
Hannah
Jun 02, 2025
Manheim, PA
Verified

Shelly was fantastic. Highly recommend! -Garrett & Hannah Derr
Farah
May 27, 2025
Lancaster, PA
Verified

Shelly Burkholder was an absolute blessing to work with! We're deeply grateful for her professionalism and great service. She went above and beyond to help us through every step of the mortgage process. She was always available—even outside of regular working hours—to answer our questions and guide us. Shelly introduced loan options we didn't even know existed and helped us find the best path as first-time homebuyers with a limited down payment. Her polite, caring, and warm personality made a stressful process feel smooth and manageable. We truly believe she played a key role in helping us get into our first earthly home and we are excited for this incredible belssing. Thanks to the entire Guild Mortgage team. Highly recommended! With Gratitude, Farah and Imtiaz Robert
John S
May 28, 2025
Verified

Shelly took a complicated deal and made it look easy.

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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/);