Contact Me
Own what matters

Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

Martha Morales

Loan Officer

9261 Laguna Springs Dr., Suite 150, Elk Grove, CA 95758
Own what matters
Ranked #1 in Customer Satisfaction with Primary Mortgage Origination
— J.D. Power

About Me

I have been in the Mortgage Industry since August of 1992, where I have worked in both Operations and as a Loan Officer.  My primary focus in this field is to help families achieve their homeownership goals.  I have over 20 years in lending with affordable financing options that assist with down payment and closing costs.  My vast knowledge of working with and for Local Government Agencies that offer down payment assistance and grants, affords me the privilege to provide my expertise and guidance that gives each individual family various options to help with their homeownership dreams.  I have a HUD Certification as a Housing Counselor that has given me the education to facilitate workshops and conduct 1:1 session with families to prepare them for homeownership.  I truly love what I do, it is a great deal of inspiration to help where I can.

Read Blog

The perfect home loan for you

We offer hundreds of loan products for a wide variety of borrowers, including first-time homebuyers, military families and rural residents. We also offer many state, county, and city housing programs that provide down payment assistance. At Guild, we’ll work hard to deliver what matters most to you and find the loan that fits your life.

Product Info


Video gallery

View More


awards awards

Causes I'm
passionate about

NMLS ID #247622
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;