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Derek Egeberg

Derek Egeberg

Branch Manager

1375 West 16th Street, Suite B, Yuma, AZ 85364
Own what matters
Own what matters

About Me

Derek Egeberg has over 23 years of experience in mortgage lending as both a mortgage broker and a mortgage banker.  Derek also has over 20 years of business experience in Yuma. Derek brings two passions with him everyday.  1.  Helping first time home buyers overcome their fears and misconceptions about necessary down payments and credit history 2.  Helping educate current homeowners on the ‚"New Rules of Equity Management", and  "How to Manage Your Mortgage to Create Wealth‚" These two passions along with exceptional service and a personal touch allow Derek to guide his clients through the home loan process.   As a community service Derek has instituted several free monthly seminars.  The seminars include: 

"First Time Home Buyers Education"

"How to Purchase Your First Rental Property"

"Managing Home Equity to Create Wealth"

"Credit and How the Credit Bureaus Work"

"Why NOW is the Right Time to Buy"

  Derek completed his Bachelors in Business Management from the University of Phoenix and graduated Cum Laude.   Derek and his wife Sheri have been married for 25 years and are the proud parents of 3 boys who are Disneyland fanatics and play every sport and video game known to mankind.

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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.



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.


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.


4.7 out of 5.0 stars
Jun 10, 2024

Mr. Derek Egeberg and his firm are top notch, the very best and bet the farm I will be back.
May 14, 2024

Derek and his team made it very easy for us to understand the whole process for our loan and all the charges. They gave us the up most respect. They did not make us feel ignorant, they explained everything to us in detail when we asked questions. Thank you, Derek.
May 13, 2024

Derek and his team worked very fast and efficiently to ensure the transaction of my clients was able to be completed in a matter of a few days. The amount of help and education Derek was able to provide for not only myself but to my clients made this experience working Guild Mortgage a great one!
Apr 25, 2024

We appreciate Derek and his team . Throughout our loan process, Derek was always willing to help with our questions and also provided great advice. We are more than satisfied with their service!
Apr 22, 2024

The people!
Apr 18, 2024

Derek has always considered the Yuma Community as his neighbors and wants the best for them. He is always willing to mentor people on structuring their financial lives to maximize their ability to receive the best loan. I appreciate his friendship and enjoy his time on the radio.

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NMLS ID #180899
I am authorized to do business in the states of Arizona, California, Tennessee, Virginia and Wisconsin. AZ BK#0018883; AZ BKBR# 1050937; AZ LO Lic.# 915245; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; (;