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With the right team, it might be the right time.

We're here to guide you home and available when you need us.

About me

Oscar Campa has helped his customers throughout their housing journey for over 13 years throughout all of California in both English and Spanish. His team specializes in first time home buyers, investment properties, veterans, and much more!

With a wealth of experience in every aspect of your journey, you can rest assured you will be taken care of from start to finish in an efficient, secure, and smooth fashion.

With the use of today’s technology you will have full clarity of what is going on every step of the way and feel confident knowing you are getting an amazing deal with a mortgage program that fits your specific circumstances.

Competitively Priced Loan Programs:
-Purchase, Rate and Term Refinance, and Cash-out Refinance Programs
-Fannie Mae Conventional, High-balance and Adjustable-Rate Mortgages (ARMs)
-Jumbo, Portfolio & Investor Products
-FHA / VA / USDA

Your mortgage journey begins here. Getting started on the purchase or refinance of your home is just a few minutes away.

With the right team, it might be the right time.

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Meet my team

Team Logo

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.

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.
Jumbo

Jumbo

Jumbo loans offer larger loan amounts than most other loan programs. These loans are a great option if you’re looking to buy a more expensive home and have a great credit score and strong financial situation.
Reverse mortgage loan

Reverse mortgage loan

If you’re retired or at least 62 years old and looking to purchase or refinance to make the most of your home investment, this may be a good option for you. A reverse mortgage allows you to use the equity in your home to supplement your retirement income.

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

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home equity insights

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Testimonials

Testimonials
5.0 out of 5.0 stars
5.0
4.98
5.0
Jessica C
Nov 26, 2021
Verified

Oscar and his team were very resourceful and helping through out the entire process. A team with excellent listening and communication skills. If they didn’t know an answer to something they were quick I obtaining that proper information. They do everything virtual which makes getting your documents to them a lot easier and they remain accesible to you where ever you are ! Overall, Oscar and his team make the impossible happen. They will ensure to steer you in the right direction.
Remy M
Apr 12, 2021
Verified

It takes a lot to impress me, but Oscar did just that. It makes for very happy clients when their lender delivers exactly what he says he will and Oscar has earned my respect because he does just that. Professional, courteous, knowledgeable, and his level of communication is second to none. In such a competitive market, having a lender like him, is more important than being the highest offer. I very much look forward to receiving offers with his prequal letter attached.
liz b
Apr 30, 2020
Verified

I started my process with Oscar in late February. I got my approval the next day. Within a two weeks period I found my house. I texted Oscar and within minutes my agent had my pre-approval package in his inbox. Oscar and his team were extremely efficient through the process. I can not say enough about Oscar detail, his efficiency and his willingness to answer any question I had. Oscar talked me off the ledge when the state went into lockdown and when it seemed like i had no control or confidence in the loan process. He reassured me more than once. If you're looking for a loan, Oscar will get it done. He takes the time to listen and to answer even the dumbest questions. I work in escrow and I have worked with many lenders, but Oscar is top notch, friendly, knowledgeable, efficient and a great lender. Thank you Oscar for the smooth process and getting me into my home!! You are definitely one of the best. Thank you!!
VANESSA
Dec 10, 2024
Monterey Park, CA
Verified

Oscar and the Guilld Mortgage team went above and beyond to ensure we met all of the deadlines on time! He was in constant communication and assured us every step of the way! Thank you Oscar!
May K
Dec 10, 2024
Verified

Oscar was so great at reaching out, communicating, was so confident with our file and over delivered. We closed fast on 1099 file and on time! Very smooth process overall with no complaints. I highly recommend Oscar and his team at Guild Mortgage
May
Dec 10, 2024
Monterey Park, CA
Verified

Great communication and confidence in the file from day one. Closed fast and on time

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Awards

Causes I'm
passionate about

member of Guild Giving
NMLS ID #1410235
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;