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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

Lori Sinor

Lori Sinor

Branch Manager

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

About Me

As a Guild Mortgage Loan Officer, I am committed to helping my clients understand their options for real estate financing and assisting them to make solid home loan decisions that meet their needs. My "Find a Loan" section of this website can be used to find information and resources on our home loan options. I look forward to serving your home financing needs for many years. My goal is to be your "lender for life".

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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.

Testimonials

Testimonials
4.99 out of 5.0 stars
4.98
5.0
Benjamin
Jun 04, 2024
Verified

Very helpful, responsive and organized. Answered all my questions and took the time to explain.
Lori
Jun 04, 2024
Verified

Have worked with Lori Sinor many times and she is wonderful. Great service from start to finish. Could not recommend more highly. :)
Francis
Jun 04, 2024
Verified

Made whole process smooth and very clear about what they needed from me and what they are working on from their end. Great communication
Oscar
May 28, 2024
Verified

WE KNOW CARA FOR MANY YEARS AND CAR ALWAYS LOKING FOR THE BEST LOAN FOR US.
Blanca
May 28, 2024
Verified

ALL OF YOU HAVE A LOT OF KNOWLEDGE
Mehmet
May 28, 2024
Verified

The process was effortless and straightforward with Lori's help. The instructions were clear, and the closing concluded within the targeted time frame.

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Awards

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Causes I'm
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NMLS ID #1009437
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;