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Cara Mengali

Cara Mengali

Senior Loan Officer

404 2nd St., Davis, CA 95616
Own what matters
Own what matters

About Me

I have been lucky to be a part of the real estate and mortgage industry for over 25 years leaving my mark by bringing my own personality and enthusiasm into every aspect of what I do.  This has allowed me to separate myself from the pack at every stop along the way.

As a Manager at Guild Mortgage, I am grateful to be able to surround myself with one of the best teams in the business.  In fact, we are very humbled to say that in 2023 our team was voted "The Best Mortgage Company in Yolo County" for a 12th straight year!  While we are so grateful to be honored in this way, it truly is a testament to how hard we work for every client.

We pride ourselves on not only our customer service during the transaction, but also the quality of our service from the beginning to well past closing.  When buying a home, a "Sinor Mengali Group - Guild Mortgage" pre-approval holds a lot of value in your negotiations.  This is because our team has built a reputation that our pre-approvals are dependable with no surprises, while being able to close faster than our competitors.

"There are no secrets to success. It is the result of preparation, hard work, and learning from failure."  Colin Powell

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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.

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5.0 out of 5.0 stars
Nov 26, 2020

Thanks for all your help.
Nov 16, 2020

Thank you for helping us get or refi done.
Nov 10, 2020

Simply the best! It's not just how friendly and easy Cara is to talk to it's how expertly efficient she is whether the process is smooth or encounters unexpected hiccups. Trusthworthy reliable and fantastically good at her job. A real gem.
Nov 10, 2020

Great job Cara! Thank you
Nov 08, 2020

As first time homebuyers we were delighted to work with Cara Mengali and her team at Guild Mortgage. Cara took ample time to ask about our home financing needs to explain the mortgage application and underwriting process and to keep us apprised of our progress at every step. Cara and her team including Lori Sinor and Stephanie Young ensured seamless handoffs at each stage of loan processing. They also worked effectively with our real estate agent and our title company. We would warmly recommend the services of Cara Mengali and her team at Guild Mortgage to family friends and colleagues.
Nov 04, 2020

It is always a great pleasure to work with Cara and her team at Guild Mortgage. Thank you for your hard work to make this process as smooth as possible. Best regards Bobby M

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Causes I'm
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NMLS ID #298113
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;