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Elizabeth Holtzapple

Elizabeth Holtzapple

Loan Officer

333 H Street, Suite 5000, Office 554, Chula Vista, CA 91910
Own what matters
Own what matters

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.

Testimonials

Testimonials
5.0 out of 5.0 stars
5.0
Vivian
Mar 12, 2024
Verified

Elizabeth was helpful from start to finish! Any questions or concerns I had as a first time home buyer she answered them all. Thank you Elizabeth!
Francisco
Mar 11, 2024
Verified

It was the best
Resheed
Aug 13, 2023
Verified

AMAZING MORTGAGE LENDER!!! Elizabeth made this process so easy and simple there’s no way I wouldn’t leave her an excellent review. If you’re a first time home buyer and don’t exactly know how the process works contact Elizabeth. She literally answered my calls at any hour ( day or night ) just to make sure I understood what was going one. ⭐️⭐️⭐️⭐️⭐️
Justin
Dec 19, 2022
Verified

My experience with Guild Mortgage has been fantastic to say the least. More particularly Elizabeth H. has greatly contributed to this experience. She was very responsive and transparent throughout my entire loan process. I'm very thankful i was able to work with her.
Adam
Nov 21, 2022
Verified

Hello there and happy Thanksgiving to everyone in guild mortgage team. I want to say that Elizabeth is one of the best loan officers. She helped us a lot before getting the house and during the process of getting a house and after achieving buying a house she's very professional friendly and patient with all of our questions I want to say thank you so much Elizabeth and happy Thanksgiving.
RAFAEL
Nov 21, 2022
Verified

This team is awesome and they explain everything from the beginning till the closing of the sale. They show they care.

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NMLS ID #1900114
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;