Kevin Wivagg

Senior Loan Officer

NMLS# 311080

2555 Kingston Road, Suite 230,
York, PA 17402

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Building trust, one borrower at a time.

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About me

As a lifelong resident of York County, I’ve assisted thousands of individuals in achieving their dream of homeownership. At Guild Mortgage, we offer superior products and unwavering support to ensure your loan closes on time and as promised. I take immense pride in serving the realtors, builders, and homebuyers throughout Pennsylvania. Allow this award-winning Loan Officer to assist you today!

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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.

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don't have a large down payment saved up though, don't worry. We have Conventional loan options for down payments as low as 3%.

FHA

If you're looking to buy on a tight budget, these loans are a great option. It's easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They're also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

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.