(84 reviews)

Kat Whindleton

Loan Officer

NMLS ID #1231054

Charlottesville, VA

4.98

(84 reviews)

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1939 Commonwealth Drive, Charlottesville, VA 22901

[email protected]

(434) 218-5505

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About me

Kat holds a Bachelors of Applied Science in Financial Business Administration and Management from Liberty University, complemented by two Associates degrees in Business Management from Piedmont Virginia Community College. With two decades of experience in finance, banking, and customer service, she has served Charlottesville and its surrounding counties with grace. Leveraging her expertise, Kat is adept at crafting creative loan solutions tailored to her clients' needs, interests, and goals. Her commitment and enthusiastic approach ensure seamless transactions, aligning with her ultimate goal of surpassing customer expectations.

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Testimonials

4.98 (84 reviews)

5.0

Kat Whindleton was absolutely fantastic! She was very prompt in her responses, always keeping me up-to-date and in the loop. She was consistently trying to get me the best deal on all the fees, inspections, etc. I will be recommending Kat to all my friends and family. Before reaching out to Kat, I had spoken to another lender, and the differences between them and Kat were night and day! Kat's numbers were lower, more transparent, and much more affordable. Thank you Kat for all your help and guidance!

Jerry

June 11, 2026 |

Stanardsville, VA

Kat was very responsive and provided updates through out the process. Thank you!

Joey

Feb 25, 2026 |

Crozet, VA

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Keep in touch

Phone:

(434) 218-5505

Mobile:

(804) 814-0870

Branch:

(434) 327-5166

Fax:

(434) 255-0260

Email:

[email protected]

1939 Commonwealth Drive, Charlottesville, VA 22901

Office Hours

Monday - Friday

Saturday

Sunday

8:00AM - 5:00PM

CLOSED

Monday - Friday

8:00AM - 5:00PM

Saturday

CLOSED

Sunday

CLOSED

NMLS ID #1231054

I am authorized to do business in the states of North Carolina and Virginia. (www.nmlsconsumeraccess.org/);

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

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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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Kat Whindleton

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