(341 reviews)

Beth Gardner

Senior Loan Officer

NMLS ID #918759

Columbia, SC

4.98

(341 reviews)

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1751 St. Julian Place, Columbia, SC 29204

[email protected]

(803) 391-3533

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Have questions? Let's connect and talk through your goals.

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Get a clearer picture of your home financing options with a simple first step.

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Ready to move forward? Start your application when the time is right for you.

Find the loan to fit your life

You have choices when it comes to home financing

About me

As a Guild Mortgage Loan Officer, I am committed to helping my clients understand their options for real estate financing and assisting them to make solid home loan decisions that meet their needs. My "Find a Loan" section of this website can be used to find information and resources on our home loan options.Read more

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Testimonials

4.98 (341 reviews)

5.0

4.9

5.0

Working with Beth was an absolute game changer for our client. We had a particularly challenging loan scenario, and after a very frustrating experience with a previous loan officer from another company, we were unsure if approval was even possible. Beth stepped in with confidence, persistence, and a clear commitment to finding a solution. She went above and beyond at every stage, communicating clearly, solving problems creatively, and never giving up on the file even when things got tough. Thanks to her dedication and expertise, she was able to get our client approved when it felt like all odds were against us. After what we went through before, the difference was night and day. Beth restored our trust in the process and delivered results we truly did not think were possible. We are incredibly grateful for her hard work and would highly recommend her to anyone, especially in complex situations.

Melissa K.

Apr 12, 2026 |

Melissa

Apr 12, 2026 |

Aiken, SC

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Get in touch to discuss your home financing goals and explore next steps together.

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Phone:

(803) 391-3533

Mobile:

(803) 600-8323

Branch:

(803) 391-3520

Email:

[email protected]

1751 St. Julian Place, Columbia, SC 29204

Office Hours

Monday - Friday

Saturday

Sunday

8:30AM - 5:30PM

Closed

Monday - Friday

8:30AM - 5:30PM

Saturday

Closed

Sunday

Closed

NMLS ID #918759

I am authorized to do business in the states of Georgia, North Carolina, South Carolina and Tennessee.

Find the loan that works for you

See what we offer

Whether you’re buying your first home, exploring down payment assistance, relocating for military service or purchasing in a high-cost market, Guild offers a range of loan programs designed to meet different needs and situations.

See all loan programs

Video gallery

Tools to help guide you

Know before you borrow

Your trust means everything to us.

Discover how we performed in the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study.

Mortgage income calculator

Find out how much annual income you’ll need to buy a house.

Mortgage payment calculator

See how principal, interest, taxes and insurance make up your monthly mortgage payment.

Temporary buydown calculator

Learn how a temporary rate buydown might reduce your monthly mortgage payment.

Your trust means everything to us.

Discover how we performed in the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study.

More resources

Helpful resources

What are draw and repayment periods for HELOCs* and HELOANs?

Nearly 30% of homeowners are considering tapping into their home equity, a notable increase compared to a few years ago.

When should I use my home equity?

Your home has probably done a lot for you over the years. It’s where you’ve made memories, celebrated milestones, and planted roots.

Is a 2-1 buydown worth it? Pros and cons explained

A 2-1 buydown, also known as a 2-year temporary buydown, provides breathing room for aspiring homeowners to get started on building equity.

home equity insights

Get smart about your home's value

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Beth Gardner

Let's talk

Get pre-approved

Apply for a loan

Find the loan to fit your life

You have choices when it comes to home financing

About me

Testimonials

Ready to get started?

Keep in touch

Office Hours

Send us a message

See what we offer

Video gallery

Know before you borrow

Your trust means everything to us.

Mortgage income calculator

Mortgage payment calculator

Temporary buydown calculator

Your trust means everything to us.

Helpful resources

What are draw and repayment periods for HELOCs* and HELOANs?

When should I use my home equity?

Is a 2-1 buydown worth it? Pros and cons explained

home equity insights

Get smart about your home's value

Get my app