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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
4.94
5.0
Roy
Dec 16, 2024
Palmyra, PA
Verified

You let us know constantly what was happening
Laura
Dec 16, 2024
Strasburg, PA
Verified

Communication
Richard
Dec 16, 2024
Lancaster, PA
Verified

Shelly was very professional and efficient. Thanks for a smooth and successful transaction.
J
Jun 13, 2024
Verified

Working with Shelly Burkholder as our lender is always an absolute pleasure. As a local Realtor, I have the utmost confidence in her ability to guide our clients through the home buying process with expertise and care. Shelly is incredibly responsive, always available when needed, and ensures that communication is prompt and efficient. Her attentive listening skills ensure that she understands our clients' needs perfectly, and she goes above and beyond to help them find the right loan product, making the entire process seamless and stress-free. If you're seeking a lender who truly has your best interests at heart and whom you can trust wholeheartedly, look no further than Shelly Burkholder. I cannot recommend her highly enough!
John
Jan 08, 2024
Lancaster, PA
Verified

Communication when the buyers agent was not as informative as a listing agent would prefer
Maria
Jan 08, 2024
Lancaster, PA
Verified

Great Service.

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Awards

Causes I'm
passionate about

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