Guild Mortgage - Beth Stephans Team

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Guild Mortgage - Beth Stephans Team Beth Stephans
Sr Loan Officer, NMLS # 140755, Movement Mortgage
I am authorized to do business in the states of Florida, Pennsylvania and Virginia

Beth Stephans
Sr. Loan Officer - Movement Mortgage
NMLS #140755
610-574-0320
[email protected]

Galiena Giombetti
Loan Officer Assistant
NMLS #1055607
484-437-8089
[email protected]

Movement Mortgage is pleased to announce that Beth Stephans and Galiena Giombetti joined Movement as The Beth Stephans Team, bringing with them over 40 years of mortgage experience. What sets them apart is their combined knowledge of all sides of the mortgage process from origination to closing, giving them a unique perspective of the transaction.

A HELOC lets your equity to work, whether that's a renovation, debt payoff, or covering a big expense, all without touch...
09/08/2026

A HELOC lets your equity to work, whether that's a renovation, debt payoff, or covering a big expense, all without touching your current mortgage rate. From September 8-22, qualified homeowners get .25% points off their HELOC rate. Message me to see what it looks like for you.

*Borrower qualification is required. This is not a commitment to lend. Movement Mortgage is not affiliated, endorsed, or sponsored by the Department of Veterans Affairs or Federal Housing Administration; United States Department of Agriculture or any government agency. Offer may be modified or discontinued at any time without notice. Subject to credit approval and program availability. Reach out to a loan officer for the full list of programs eligible.

09/04/2026

You've been lied to about the housing market. Here's what the data actually shows. 👇

Everyone keeps saying now is the worst time to buy. But the numbers tell a completely different story.

"There's nothing in my price range."
Entry-level home inventory rose 4.5% year over year in June while luxury inventory fell 5.2%. More affordable homes are available right now — and fewer people are competing for them. Source : July 29, 2026 /PRNewswire/ New Zillow® data "Sellers are overpriced and won't budge."

Asking prices have dropped for nine consecutive months nationally. One in four sellers cut their price in June before a buyer even made an offer. Sellers are more open to negotiating on price, closing costs, and terms than they've been in years — and Movement offers buydown options that sellers can fund as part of the deal to lower your payment early on. Source: Realtor.com, research. July-2026-data.

"I'll lose to investors every time."
Large corporate investors have largely stepped back after new federal rules restricted them from buying existing housing stock. Today 96% of investor-owned single-family homes belong to small individual investors. The playing field has shifted in your favor. Source: BatchData, Q2 2025 Investor Pulse.

"Rates make it unaffordable."
Household incomes grew 4.6% last year while the median monthly mortgage payment actually fell slightly. A mortgage takes up a smaller share of take-home pay than it did a year ago. And with down payment assistance available, you may not need as much saved as you think.
Source: Bureau of labor statistics. U.S. Department of labor. USUAL WEEKLY EARNINGS OF WAGE AND SALARY WORKERS SECOND QUARTER 2026. July 21, 2026

The market is more favorable for everyday buyers than the headlines suggest. You just have to know where to look.

📲 Find out what's actually possible for you right now.

Disclaimer : Note that Any actual Seller Credit is paid at closing and is subject to interested party contribution limits. Actual Seller Credit amounts are agreed upon solely between the Seller and the Borrower(s).

The path to homeownership looks different for everyone. Some borrowers have straightforward finances. Others own busines...
09/03/2026

The path to homeownership looks different for everyone. Some borrowers have straightforward finances. Others own businesses, work independently, invest in real estate, or have income that fluctuates from month to month. Different financial situations can require different lending solutions.

09/01/2026

Worried you can’t afford to buy a home? Before you decide, take a look at what you’re already spending on rent. You might be closer to homeownership than you think. Let's see what your options look like.

Getting approved for a certain amount doesn't mean you have to spend it. Before you start house hunting, think about the...
08/31/2026

Getting approved for a certain amount doesn't mean you have to spend it.

Before you start house hunting, think about the monthly payment that feels comfortable for your budget. That includes more than just principal and interest. Property taxes, insurance, HOA fees, utilities, and everyday life all factor into the bigger picture.

Knowing your comfort zone upfront can help you shop with confidence and avoid stretching your finances too thin.

Don't let a number keep you from a conversation. Many buyers start exploring their options long before they've saved 20%...
08/27/2026

Don't let a number keep you from a conversation. Many buyers start exploring their options long before they've saved 20% down.

08/26/2026

Before you talk yourself out of homeownership, let’s talk. You may have more options than you think.

Growing family. New job. Military orders. Retirement. Most people don't decide to buy a home because the market is perfe...
08/24/2026

Growing family. New job. Military orders. Retirement. Most people don't decide to buy a home because the market is perfect. They decide because life is moving. The good news is there are loan options and strategies built for your specific situation, whatever the market is doing.

Some companies measure success by production. We believe success is bigger than that. It's the doors opened. The opportu...
08/21/2026

Some companies measure success by production. We believe success is bigger than that. It's the doors opened. The opportunities created. The communities served. The lives changed through homeownership.

Rates get all the attention. The monthly difference? Not always as much. Before you spend months waiting for a quarter-p...
08/20/2026

Rates get all the attention. The monthly difference? Not always as much. Before you spend months waiting for a quarter-point drop, see what that difference actually looks like for your budget.

*Annual Percentage Rate (APR) is current as of 8/6/26. The interest rate and APR are subject to change daily without notice, and are based on a 30 year fixed conventional loan program with 20% down payment, minimum FICO score of 727, and no downpayment assistance on a single-family, primary residence. Information on this piece is strictly for example purposes only. Qualification is required. Rates may vary and may not be indicative of current market rates, contact a loan officer for a true rate quote. Additional costs and fees may apply. Does not include taxes and insurance; actual payment may be higher. Reach out to a loan officer for a true rate quote.

Address

4804 Courthouse Street Ste 4B
Williamsburg, VA
23188

Opening Hours

Monday 6am - 5pm
Tuesday 6am - 5pm
Wednesday 6am - 5pm
Thursday 6am - 5pm
Friday 6am - 5pm

Telephone

+16105740320

Website

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