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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
5.0
Nathaniel
Apr 07, 2025
Lebanon, PA
Verified

Shelly in particular was a huge help and was extremely informative. At any point during the process if you felt a little confused or overwhelmed she made sure to explain it in a way that made sense and was transparent about the terms or subject at hand. You can't go wrong with Shelly and the team at guild mortgage!
Chuck
Apr 07, 2025
Lebanon, PA
Verified

Shelly makes herself available not only to the clients but as an agent also. Keeping me in the loops and reviewing our files currently in process along with keeping me updated on others that haven't been fully pre-approved. Shelly also has looked at program options that provide the best outcome for clients. Thank you!!
Amanda S
Mar 12, 2025
Verified

Shelly made the home-buying process so easy— she was informative, knowledgeable, and punctual! I would receive frequent updates on the process & she was always available for questions. 10/10 would recommend Shelly to anyone!
Gemechisa
Feb 24, 2025
Lancaster, PA
Verified

Shelly and the other team members worked so hard for us , to ensure that we get the best possible option that would work for us inorder to get this property. Kusa Tola was our Realator, who was extremely knowledgable and professional His support was greatly appreciated.
Ana
Jan 21, 2025
Lancaster, PA
Verified

Shelly Burkholder and team was an absolute pleasure to work with. As a first time home buyer. They set me up for success during the whole process guiding me every single step of the way!
Robert A
Jan 22, 2025
Verified

Shelly made home ownership a realty for my buyer that most lenders could NOT have done! She knows her products! She is very personable, professional and pleasurable to work with! 5 Star lender!

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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/);