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Select from hundreds of loan products tailored to your needs

Amber Kovarik

Amber Kovarik

Branch Manager

1530 E Williams Field Road, Suite 206, 210, Gilbert, AZ 85295
Own what matters
Own what matters

About Me

My team and I look forward to assisting you with your home financing!

I have been helping families with their mortgage needs for over 19 years and am honored to consistently be ranked in the top 1% of loan originators in the US. My team is blessed to serve hundreds of families each year in their quest to either save money with a refinance or purchase a home with the best possible financing package. Guild Mortgage has been in business for over 60 years and is a leading mortgage lender. We service the majority of loans we close and handle everything locally. Our mission is to understand our clients’ needs and deliver an experience that is far beyond their expectations.  On top of being a mortgage guru, I am a food and wine enthusiast! I love creating memories with people and experiencing the best life has to offer with my husband and two young daughters. We look forward to showing you just how EASY getting a mortgage can be!

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Meet my team

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I work closely with my team of specialists to get you the financing you need. See what each member brings to the team.

Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
4.93 out of 5.0 stars
4.6
4.88
4.97
Quinton
Jan 16, 2024
Verified

Everything went smooth and easy.
Charles
Jan 16, 2024
Verified

Got the buyers to close for my sellers.
Christie F
Jan 11, 2024
Verified

The team was knowledgeable, answered questions confidently and thoroughly, and made the process stress-free.
Humphrey
Dec 11, 2023
Verified

the purchase of our home easy and flawless. Very impressed with the professional touch of the whole Team.
Betty
Oct 30, 2023
Verified

Super efficiency
Allison
Oct 09, 2023
Verified

Abram and the team were extremely attentive through the entire process. Can't thank you enough and I hope to work with you again.

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NMLS ID #184992
I am authorized to do business in the states of Arizona and California. AZ BK#0018883; AZ BKBR# 0119516; AZ LO Lic.# 912411; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act;