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Caroline MacGillivray

Caroline MacGillivray

Loan Officer

60 Markfield Drive, Unit 1, Charleston, SC 29407
Own what matters
Own what matters

About Me

My name is Caroline and I am a Loan Officer with Guild Mortgage Company LLC. I am a native South Carolinian and a graduate of the College of Charleston where I majored in Music with a concentration in Piano Performance. While there, I fell in love with the charm of Charleston and the positive attitude and friendliness of its people. I have always felt that there is just something different in the air in Charleston.  

While in school, I learned to love the focus and dedication it takes to master the piano and I bring the same level of commitment and enthusiasm as your lender. Whether you are a first-time homebuyer or buying your tenth investment property, I will make the experience easy, efficient, and personable from our very first conversation to well after closing. At Guild, our loans are processed and underwritten locally, allowing us to deliver consistent process and on-time closings.  

Please contact me today for any of your home loan needs! 

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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

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%.
Down payment assistance

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.
FHA

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.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
5.0 out of 5.0 stars
5.0
5.0
Pam
Dec 19, 2023
Verified

Caroline was very responsive and did all she could to help move us forward.
William
Nov 28, 2023
Verified

Caroline was very knowledgeable and gave me peace of mind while buying my home. She's awesome!
Nick F
Nov 28, 2023
Verified

Caroline was awesome to work with. From the first quotes we requested, through the whole homebuying process, and even after everything was said and done, she's always been quick to answer any questions we had. She made the process smooth and easy for us and we could not reccomend her more
Rhiannon H
Nov 28, 2023
Verified

Great to work with, very personable, and extremely knowledgeable. Highly recommend! Being first time home buyers she made us feel prepared and supported, and exceeded our expectations. We would work with her again, no question! Thanks Caroline!!
Angela G
Nov 28, 2023
Verified

Great experience! Very easy to work with! We would love to work with her again in the future! Thank you, Caroline!
Bill
Nov 27, 2023
Verified

Caroline is positively one of the best loan officers I've worked with in my 37 years in the business. From her calm demeanor to her vast knowledge of mortgages, she gets the job done! As a real estate professional trusting the word of the lender is very important. She does what she say's she going to do and our clients appreciate her skill and professionalism. That's why she's number 1 on our list and she should be number 1 on yours too!

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NMLS ID #1998604
I am authorized to do business in the states of Georgia, North Carolina and South Carolina.