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About me

Working with me you will discover why I have successfully built a flourishing referral-based business. I work hard to earn your trust and confidence by saying what I mean and doing what I say.Read more

Working with me you will discover why I have successfully built a flourishing referral-based business. I work hard to earn your trust and confidence by saying what I mean and doing what I say. Whether you are a first-time home buyer or a seasoned investor, you will find I am fair and competitive with a complete array of loan products to offer. I will be there for you throughout the entire loan process, providing continuous loan status updates, so you always know that status of your loan. My ultimate goal is to exceed all of your expectations.

I have lived and worked locally for over 20 years. I have two grown children who have blessed me with three amazing grandchildren. Family is of utmost importance in my personal life, just as nurturing enduring friendships and relationships are in my business life. I enjoy spending time with friends, traveling, reading cooking, but my true passion, is my granddaughter soon to enter high school and my new twin grandbabies.

I am a Californian, educated at San Diego State University with multiple certifications. I have been involved with Soroptimist International of the American River for over ten years, championing causes for women and girls in our community, nationally and internationally. I am a licensed affiliate with the Placer County Association of Realtors® and the Nevada County Association. I serve clients throughout all of California, specializing locally in Placer, Nevada, Yolo, Sacramento and El Dorado counties. I look forward to the opportunity of meeting and serving you for both your purchase and refinance needs!

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Causes and Memberships

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Testimonials

4.84 (52 reviews)
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5.0
Experience logo
4.9
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5.0
Third party logo
4.8
We love Cheryl and Guild Mortgage. They have helped us with two loans now and made both experiences very straightforward. They have really cared for us and our family well thoughtout both processes. We are grateful.
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Danielle

Feb 4, 2026

Auburn, CA

Everything was on time and escrow closed on time Cheryl is so experienced and explains everything in a way that even inexperienced clients can understand and be able to follow up in a timely manner My clients just won't use anyone else and sometimes they call her before they call me
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Sandy

Jan 28, 2026

Auburn, CA

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Office Hours

Monday - Friday

Saturday

Sunday

8:00AM - 5:00PM

Closed

Closed

Monday - Friday

8:00AM - 5:00PM

Saturday

Closed

Sunday

Closed

NMLS ID #276521

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;

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Whether you’re buying your first home, exploring down payment assistance, relocating for military service or purchasing in a high-cost market, Guild offers a range of loan programs designed to meet different needs and situations.

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