Tim Kritcher- Guild Mortgage - NC / SC

06/19/2026

A HELOC isn’t a one‑time loan—it’s a line of credit with a timeline.

Here’s what homeowners should know about the draw period and how it fits into the bigger picture.

06/17/2026

5.0 star review received on Experience.com for Tim Kritcher by Christopher M - Tim was great to work with, professional, knowledgeable, and may the overall experience easier to deal with.

Click to see all 426 reviews of Guild Mortgage - Tim Kritcher, Branch Manager | NMLS # 99435

06/12/2026

Big expenses often call for clear numbers.

From debt payoff to major renovations, a Home Equity Loan can offer straightforward funding with defined payments.

06/05/2026

What if the value you’ve built in your home could work harder for you? U.S. homeowners collectively have $11.6T in tappable equity — and many don’t realize how accessible it can be.

From managing debt to funding major life expenses, home equity can offer real flexibility.

05/22/2026

As affordability pressures linger, more transactions are being won through creativity.

Seller concessions are playing a bigger role in bridging the gap between buyers and sellers, and the data shows that flexibility is becoming the norm, not the exception.

05/22/2026

5.0 star review received on Experience.com for Kerlin Phillips by Estela A - the best experience of my life They made everything easy for me. I would choose them again, as many times as necessary, to buy properties. thank you

Click to see all 93 reviews of Guild Mortgage - Kerlin Phillips, Loan Officer | NMLS # 69428

05/21/2026

5.0 star review received on Experience.com for John Schmidlin by Melissa R - Very professional, helpful, and fast. Great experience.

Click to see all 215 reviews of Guild Mortgage - John Schmidlin, Loan Officer | NMLS # 69847

05/20/2026

Buying a home without a lender is like taking a road trip without a map.

We’re the money side of your homebuying team here to translate the numbers, explain your options, and help you move from “someday” to front‑door keys.

05/20/2026

4.75 star review received on Experience.com for Tim Kritcher by Katelyn B - I felt like Tim and his team were timely in prepping my information for closing, responsive, worked diligently to set my loan up for what was going to be best for my needs. I experienced some hiccups along the way to closing (no fault to guild mortgage), and they were attentive to finding solutions and work arounds to ensure we made the closing date.

Click to see all 422 reviews of Guild Mortgage - Tim Kritcher, Branch Manager | NMLS # 99435

05/19/2026

5.0 star review received on Experience.com for Tim Kritcher by Jay M - Tim and Nicole were great to work with. They answered all our questions and worked diligently to power through all issues. We appreciate their hard work, understanding and desire to help us get our mortgage done.

Click to see all 416 reviews of Guild Mortgage - Tim Kritcher, Branch Manager | NMLS # 99435