Our philosophy has always been, to give ‘Our Hometown Service’ to you no matter where you live in California.

"We have all the latest technology available for you - BUT our focus at Guild Mortgage is on giving each and every one up-close and personal first class service. We know you don’t buy a home, vacation home, or decide to refinance your loan every day so it may not be a comfort zone for you – but that IS what we do every day so let us be the one to run through the gauntlet of lending tasks for you. Suzanne’s Credentials: Licensed Real Estate Broker Mortgage Planning Specialist Re...

"We have all the latest technology available for you - BUT our focus at Guild Mortgage is on giving each and every one up-close and personal first class service. We know you don’t buy a home, vacation home, or decide to refinance your loan every day so it may not be a comfort zone for you – but that IS what we do every day so let us be the one to run through the gauntlet of lending tasks for you. Suzanne’s Credentials: Licensed Real Estate Broker Mortgage Planning Specialist Reverse Mortgage Specialist Branch Owner since 1997 Branch Manager since 1989 In the Business since 1988 NMLS ID: 230270 BRE #: 01072266 Types of Loans: Refinance One Day Out of Foreclosure or Short Sale Purchase 100% USDA Rural Guarantee Reverse Mortgages For Veterans Conventional First Time Home Buyer FHA Jumbo & High Balance Conforming Fixed Rate vs. Variable Rate Vacation (2nd Home) Types of Refinancing Loans Available: Conventional Refinance Loans allow an Interest Rate and Term (years to repay the loan) refinance as well as cash-out up to a specified Loan to Value ratio (LTV). FHA Loans are insured by the Federal Housing Administration and allow rate and term as well as cash-out transactions. HARP: Fannie Mae Relief Refinance and Freddie Mac Relief Refinance programs up to 150% Loan to Value (LTV) of an existing loan held by either institution. VA Loans are insured by the Veterans Administration and allow rate and term refinances as well as cash-out. USDA Rural Guarantee Loan Program is available in ‘rural’ communities that are more than 60 miles from a major city and the property address must be verified through USDA for its eligibility. Loans currently held by USDA are allowed to be refinanced at a lower rate under USDA program. Mortgage Insurance is not a cost associated with this loan; however, the USDA does charge a funding fee of 2.125%of the loan amount/sales price and this is financed in the loan and a small monthly fee. 30 Year Fixed Rate is currently offered for this program Maximum Income Guidelines do not apply and are up to 115% of the median income for the area "