The Davis Lending Team Guild Mortgage

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The Davis Lending Team Guild Mortgage The Davis Lending Team
Branch Manager - Phil Davis
NMLS ID #162425 It's an awesome feeling knowing that you helped fulfill their dreams of owning a home."

"The thing I like best about working with my clients is seeing their excitement on settlement day...especially first time home buyers. About Phil Davis

Phil joins the Guild team with over 15 years of experience in the mortgage industry. He has been a branch manager for the past 11 years. He prides himself on the excellent customer service. In his free time he enjoys coaching his childrens' baseball teams, golfing and cycling to support MS.

Thatโ€™s a wrap on  ! ๐Ÿ”‘This week we busted five common myths about buying a home:- Your credit isnโ€™t good enough- You need...
10/17/2026

Thatโ€™s a wrap on ! ๐Ÿ”‘

This week we busted five common myths about buying a home:

- Your credit isnโ€™t good enough
- You need 20% down
- You canโ€™t afford to buy
- You have to sell before you buy
- That fixer-upper wonโ€™t work

Maybe one of these sounded like you. The only way to know whatโ€™s possible is to ask.

๐๐จ๐ญ ๐ฌ๐ฎ๐ซ๐ž ๐ฐ๐ก๐ž๐ซ๐ž ๐ญ๐จ ๐ฌ๐ญ๐š๐ซ๐ญ? ๐’๐ญ๐š๐ซ๐ญ ๐ฐ๐ข๐ญ๐ก ๐ฎ๐ฌ.
The Davis Lending Team | Guild Mortgage

๐ƒ๐š๐ฒ 5 ๐จ๐Ÿ  #๐๐ž๐Ÿ๐จ๐ซ๐ž๐˜๐จ๐ฎ๐€๐ฌ๐ฌ๐ฎ๐ฆ๐ž  ๐Ÿ”‘Before you assumeโ€ฆ that fixer-upper wonโ€™t work. ASK US.Renovation financing could turn pote...
10/16/2026

๐ƒ๐š๐ฒ 5 ๐จ๐Ÿ #๐๐ž๐Ÿ๐จ๐ซ๐ž๐˜๐จ๐ฎ๐€๐ฌ๐ฌ๐ฎ๐ฆ๐ž ๐Ÿ”‘

Before you assumeโ€ฆ that fixer-upper wonโ€™t work. ASK US.

Renovation financing could turn potential into your perfect home.

Not sure where to start? Start with us.
๐“๐ก๐ž ๐ƒ๐š๐ฏ๐ข๐ฌ ๐‹๐ž๐ง๐๐ข๐ง๐  ๐“๐ž๐š๐ฆ | ๐†๐ฎ๐ข๐ฅ๐ ๐Œ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž

๐ƒ๐š๐ฒ ๐Ÿ’ ๐จ๐Ÿ  #๐๐ž๐Ÿ๐จ๐ซ๐ž๐˜๐จ๐ฎ๐€๐ฌ๐ฌ๐ฎ๐ฆ๐ž  ๐Ÿ”‘Thinking about your next home but stuck on the โ€œsell first or buy firstโ€ question? There ma...
10/16/2026

๐ƒ๐š๐ฒ ๐Ÿ’ ๐จ๐Ÿ #๐๐ž๐Ÿ๐จ๐ซ๐ž๐˜๐จ๐ฎ๐€๐ฌ๐ฌ๐ฎ๐ฆ๐ž ๐Ÿ”‘

Thinking about your next home but stuck on the โ€œsell first or buy firstโ€ question?

There may be options that make the timing easier. ๐๐ž๐Ÿ๐จ๐ซ๐ž ๐ฒ๐จ๐ฎ ๐š๐ฌ๐ฌ๐ฎ๐ฆ๐ž, ๐€๐’๐Š ๐”๐’.

Not sure where to start? Start with us.
๐“๐ก๐ž ๐ƒ๐š๐ฏ๐ข๐ฌ ๐‹๐ž๐ง๐๐ข๐ง๐  ๐“๐ž๐š๐ฆ | ๐†๐ฎ๐ข๐ฅ๐ ๐Œ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž

๐ƒ๐š๐ฒ ๐Ÿ‘ ๐จ๐Ÿ  #๐๐ž๐Ÿ๐จ๐ซ๐ž๐˜๐จ๐ฎ๐€๐ฌ๐ฌ๐ฎ๐ฆ๐ž  ๐Ÿ”‘โ€œI canโ€™t afford to buy a home.โ€ So many people count themselves out based on a guess, witho...
10/15/2026

๐ƒ๐š๐ฒ ๐Ÿ‘ ๐จ๐Ÿ #๐๐ž๐Ÿ๐จ๐ซ๐ž๐˜๐จ๐ฎ๐€๐ฌ๐ฌ๐ฎ๐ฆ๐ž ๐Ÿ”‘

โ€œI canโ€™t afford to buy a home.โ€ So many people count themselves out based on a guess, without ever seeing the real numbers.

๐˜๐จ๐ฎ๐ซ ๐›๐ฎ๐ฒ๐ข๐ง๐  ๐ฉ๐จ๐ฐ๐ž๐ซ ๐ฆ๐š๐ฒ ๐›๐ž ๐ฆ๐จ๐ซ๐ž ๐ญ๐ก๐š๐ง ๐ฒ๐จ๐ฎ ๐ญ๐ก๐ข๐ง๐ค! We can walk you through different loan options, run the numbers, and help you find a monthly payment that fits your budget.

Not sure where to start? Start with us.
๐“๐ก๐ž ๐ƒ๐š๐ฏ๐ข๐ฌ ๐‹๐ž๐ง๐๐ข๐ง๐  ๐“๐ž๐š๐ฆ | ๐†๐ฎ๐ข๐ฅ๐ ๐Œ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž

We had a great time at the Cecil County Board of REALTORSยฎ Annual Convention! We enjoyed catching up with friends, seein...
10/14/2026

We had a great time at the Cecil County Board of REALTORSยฎ Annual Convention! We enjoyed catching up with friends, seeing familiar faces, and making new connections!

It was an special day for our team as Phil Davis wrapped up his year serving as CCBOR President and officially passed the gavel to incoming President Peter Kirsh! We couldn't be prouder of Phil for the time and energy he's poured into leading the Board and supporting our local real estate community over the past year. Congratulations, Peter! We're cheering you on!

Cecil County is more than just where we do businessโ€”it's our community! We're thankful for the partnerships we've built and look forward to continuing to support one another and make a difference in the place we call home! ๐Ÿ’™

๐ƒ๐š๐ฒ ๐Ÿ ๐จ๐Ÿ  #๐๐ž๐Ÿ๐จ๐ซ๐ž๐˜๐จ๐ฎ๐€๐ฌ๐ฌ๐ฎ๐ฆ๐ž  ๐Ÿ”‘โ€œI need 20% down to buy a home.โ€ Itโ€™s one of the most common things we hear, and one of the...
10/13/2026

๐ƒ๐š๐ฒ ๐Ÿ ๐จ๐Ÿ #๐๐ž๐Ÿ๐จ๐ซ๐ž๐˜๐จ๐ฎ๐€๐ฌ๐ฌ๐ฎ๐ฆ๐ž ๐Ÿ”‘

โ€œI need 20% down to buy a home.โ€ Itโ€™s one of the most common things we hear, and one of the biggest reasons people put off the conversation.

๐“๐ก๐ž ๐ ๐จ๐จ๐ ๐ง๐ž๐ฐ๐ฌ: ๐Ÿ๐ŸŽ% ๐ข๐ฌ๐งโ€™๐ญ ๐š๐ฅ๐ฐ๐š๐ฒ๐ฌ ๐ซ๐ž๐ช๐ฎ๐ข๐ซ๐ž๐. There are low and no down payment options available, and you may qualify for Down Payment Assistance programs. The only way to know what fits you is to ask.

Not sure where to start? Start with us.
๐“๐ก๐ž ๐ƒ๐š๐ฏ๐ข๐ฌ ๐‹๐ž๐ง๐๐ข๐ง๐  ๐“๐ž๐š๐ฆ | ๐†๐ฎ๐ข๐ฅ๐ ๐Œ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž

Ryan Wilson
10/12/2026

Ryan Wilson

Whatโ€™s one thing youโ€™ve assumed about buying a home? ๐Ÿ”‘

Maybe itโ€™s your credit. Maybe itโ€™s the down payment. Maybe itโ€™s whether you have to sell first.

Weโ€™re kicking off a series called ๐๐ž๐Ÿ๐จ๐ซ๐ž ๐˜๐จ๐ฎ ๐€๐ฌ๐ฌ๐ฎ๐ฆ๐žโ€ฆ to clear up the myths that hold people back. Drop your biggest question in the comments, and we may answer it in an upcoming post!

๐๐จ๐ญ ๐ฌ๐ฎ๐ซ๐ž ๐ฐ๐ก๐ž๐ซ๐ž ๐ญ๐จ ๐ฌ๐ญ๐š๐ซ๐ญ? ๐’๐ญ๐š๐ซ๐ญ ๐ฐ๐ข๐ญ๐ก ๐ฎ๐ฌ.
The Davis Lending Team |

Whatโ€™s one thing youโ€™ve assumed about buying a home? ๐Ÿ”‘Maybe itโ€™s your credit. Maybe itโ€™s the down payment. Maybe itโ€™s wh...
10/12/2026

Whatโ€™s one thing youโ€™ve assumed about buying a home? ๐Ÿ”‘

Maybe itโ€™s your credit. Maybe itโ€™s the down payment. Maybe itโ€™s whether you have to sell first.

Weโ€™re kicking off a series called ๐๐ž๐Ÿ๐จ๐ซ๐ž ๐˜๐จ๐ฎ ๐€๐ฌ๐ฌ๐ฎ๐ฆ๐žโ€ฆ to clear up the myths that hold people back. Drop your biggest question in the comments, and we may answer it in an upcoming post!

๐๐จ๐ญ ๐ฌ๐ฎ๐ซ๐ž ๐ฐ๐ก๐ž๐ซ๐ž ๐ญ๐จ ๐ฌ๐ญ๐š๐ซ๐ญ? ๐’๐ญ๐š๐ซ๐ญ ๐ฐ๐ข๐ญ๐ก ๐ฎ๐ฌ.
The Davis Lending Team |

Nice shout out to Coach Ryan!
10/07/2026

Nice shout out to Coach Ryan!

Ryan Wilson | 443.738.1717 | [email protected] | โ€œCoaching you through the steps of Mortgage Lendingโ€

Nothing speaks louder than happy clients โญ๏ธWeโ€™re proud to deliver smooth, knowledgeable, and reliable lending experience...
06/09/2026

Nothing speaks louder than happy clients โญ๏ธ
Weโ€™re proud to deliver smooth, knowledgeable, and reliable lending experiences every time.
Ready to get started? Letโ€™s make your homeownership goals happen. ๐Ÿ“ž

Address

349 E. Pulasky Highway Suite A1
Elkton, MD
21921

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+14103985607

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