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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

Kathy Ockenfels

Kathy Ockenfels

Originating LOA

5050 Avenida Encinas, Suite 120, Carlsbad, CA 92008
Own what matters
Own what matters

About Me

I have 20 plus years of mortgage banking experience which has given me extensive knowledge of real estate finance, government and conventional loan programs and a wide variety of First Time Home Buyer Programs.

I can provide you with honest, thorough and up to date information and efficiently lead you through the process of financing your new home or refinancing your existing properties. I have a reputation for staying on top of all transactions and closing loans on time.

If you are interested in purchasing a home or just want to get general financing information please contact me at (858) 457-6800 ext. 210 for a complimentary consultation or send me an e-mail to kockenfels@guildmortgage.net with your questions.

I look forward to the opportunity to assist you with achieving homeownership or saving money on your existing loan.

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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.

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
5.0 out of 5.0 stars
ARLENE
Aug 29, 2016
Verified

THE BEST EXPERIENCE I'VE HAD WITH KATHY.VERY PLEASANT AND FRIENDLYAND FUNNY. I WOULD RECOMMEND
Daniela
May 28, 2016
Verified

Kathy is the best loan officer we've worked with ever! She is very informative and kept us up to date at all times. We highly recommend her.
Alison
Aug 10, 2015
Verified

Kathy was specifically recommended to me. She was a true professional throughout my experience. She was forthcoming with everything I needed to do and kept in frequent touch with me. She was (as far as I knew) very knowledgeable on my FHA loan. I highly recommend Kathy Ockenfels at Guild Mortgage.

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NMLS ID #243721
I am authorized to do business in the state of California. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act;