Cindy Seaner: Turning Life’s Challenges Into Homeownership Dreams
Whether guiding families through years-long homeownership journeys, organizing community food drives, or showing her children what resilience looks like, Cindy has built her life around lifting others up.
Cindy Seaner believes that helping families achieve homeownership isn’t just work—it’s her purpose. As a Loan Officer at Guild Mortgage, she’s built her practice around meaningful relationships and patient guidance, serving families throughout Bucks County, Montgomery, Delaware, and Chester Counties with a commitment that extends far beyond closing day. But her dedication to lifting others up doesn’t stop at her desk. From organizing community food drives to mentoring through networking groups, Cindy has woven service into every aspect of her life, creating a ripple effect that strengthens our entire community.
Cindy Seaner is a 2025 Bucks County Parent Women of Influence Award Winner
Bucks County Parent’s Women of Influence Awards celebrate exceptional women making significant impacts in our community. Cindy was nominated by her friend and business partner, Karen Gaul-Parry, and selected based on her achievements and dedication to creating positive change in her community. Each Women of Influence Award Winner has committed to support Family Focus Media’s core values. Together, we are committed to foster a sense of belonging and empowerment for all for all families. All backgrounds, races, genders, and sexual orientations are welcome and safe with us.
Beyond the awards, our Women of Influence Luncheons and Speed Networking Night attendees come together as our Women of Influence Network, a community fostering connections, collaboration, and mutual support.
Finding Her Calling Later in Life
Cindy didn’t start out in mortgage lending. For years, she worked part-time helping certify foreign medical graduates to practice in the United States – a role that let her balance career and motherhood. She also tried her hand at various direct sales opportunities, but something was always missing.
“I was always really good at sales, but I never felt complete,” Cindy explains. When she was ready to return to full-time work in her late 30s, she knew she needed something different. “I had to be passionate about it, and there needed to be a bigger purpose than just me selling something and making money.”
The opportunity came through her best friend, who was working as an underwriter. After asking lots of questions and setting up a meeting, Cindy thought, “Why not? It checked all my boxes of having flexibility, being able to still be a mom, yet be career-driven and focused and help people get to where they wanted to be.”
Playing the Long Game
What sets Cindy apart is her commitment to clients who need time—sometimes years—to achieve homeownership. One family worked with her for four years, facing setback after setback. “Every time we thought we had it, there was another snag—something income-related, credit-related, or the numbers just weren’t matching.”
Their breakthrough came when the wife received a work-related settlement that finally made their dream a reality. Recently, Cindy spotted a social media post celebrating the family’s two-year home anniversary. “I was like, ‘Oh my god, it’s so cool to watch things unfold when they first come to you and they’re just not ready.’ I feel like there’s always hope, and I always give people words of encouragement even when it seems impossible.”
Weathering Industry Storms
Cindy jumped into mortgage lending just a year and a half before the pandemic hit—a true trial by fire. Since then, She’s navigated the wild swings in interest rates, inventory shortages, and economic uncertainty that have defined the housing market ever since.
Rather than focus on maximum loan amounts, Cindy prioritizes understanding what each family actually wants. “I really strive to set up a call first so I can understand the goal and help them achieve that goal despite what’s going on. I focus on understanding what they’re comfortable spending per month, not just saying ‘Here’s what you’re approved for.'”
Giving Back Builds Community
Community service isn’t something Cindy does on the side—it’s woven into who she is. Through the Bucks County Association of Realtors, she serves on the outreach committee, organizing back-to-school supply drives and Thanksgiving food collections. “I’ve always said I want to make time to give back. Being part of these committees allowed me to make it a priority.”
She’s also involved with BW NICE (Business Women Networking, Including Charity and Education), which partners with domestic violence shelters. This work aligns perfectly with her business philosophy: “I built my business solely on networking, and it allowed me to network but yet have a different focus because networking is all about relationships. You give to others and it comes back to you—it’s karma.”
Managing Multiple Responsibilities
For the past three years, Cindy has been juggling her growing business while caring for an elderly mother and supporting her college-age daughter and high school son. The timing couldn’t have been more challenging—her mother’s illness hit right when her previous mortgage company was shutting down.
“It was kind of a whirlwind because I was trying to navigate my mom getting sick, having a daughter getting ready for college, and my job was shifting gears at the exact same time,” she recalls. When her husband said, “Things happen for a reason,” Cindy admits she “wasn’t using very nice words in response. But I truly believe that now.”
Her secret? Flexibility and realistic expectations. “I have a plan, but I have to be willing and able to pivot at any time. Two weeks ago, I had a whole day mapped out, but I had to go to the emergency room with my mom and ended up being there for five hours.”
Starting Each Day Grounded
Cindy’s morning routine keeps her centered when everything else feels chaotic. “I try to do a quick five to ten-minute guided meditation just to help me breathe and center myself, then I do a little gratitude journaling and read a few pages of a business or personal development book.”
When time is tight, she adapts by listening to audiobooks during walks. The key is consistency: “If I skip one day, I’m fine. But if I skip days in a row, mentally you can feel yourself unaligning.”
This practice started with her career change. “When I got into the mortgage business, I started doing meditation and journaling, which before I thought sounded weird and kooky. Now I totally get it—when you remove yourself and put others before you, so many more things can happen.”
Raising Kids Who See Hard Work Pay Off
Cindy’s career transformation has been a masterclass for her children. Her son, a baseball player, once told her, “I just want to be like you.” Her response: “You can be. You just have to do the mental work because I compare baseball and sales to be very similar. When you’re completely focused and positive, success happens.”
Her daughter has embraced the networking approach, attending events with Cindy and landing internships through connections. “She’ll make comments like, ‘You’re such a badass boss,'” Cindy laughs. “She sees it, and it’s helping her through college.”
Looking back, Cindy’s glad about the timing. “I wish I would have done this sooner, but I think if I had, this would have just been normal for them versus watching me start from the ground up. Being able to do it at an age where it made an impact on them has been rewarding.”
Learning Through Setbacks
Cindy lives by the belief that “everything you experience is a stepping stone.” She’s learned that transparency and authentic communication matter most, especially when deals hit snags. “I think one of the things I hear a lot of feedback about is that I have excellent communication even when things aren’t going 100% according to plan on the back end.”
Her advice to her younger self? “Don’t look at what other people are doing. Find yourself and stay true to yourself.” She also wishes she’d understood sales differently earlier: “I never wanted to be in sales because I felt it was transactional, not focused on relationships. I am a relational person. I always have been.”
Looking Ahead
Cindy’s goals for 2025 and beyond focus on paying it forward. “I want to expand my experience with other people in the community because there’s so much opportunity to help others. I want to help other people feel the way that I feel.”
While she’s honest that not every day is perfect, her enthusiasm is genuine: “I truly do love what I do, and I want other people to feel the same way.”
Cindy Seaner proves that starting over in your late 30s isn’t just possible—it can be transformative. With a patient, relationship-first approach to mortgage lending, she’s helped families achieve homeownership while inspiring her own children to work hard and dream big. By turning life’s curveballs into opportunities to serve others, Cindy shows what it means to build a career with purpose.
