Contact Me
Own what matters

Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

Cynthia Farrell

Loan Officer

150 Natoma Station Dr., Suite 300, Folsom, CA 95630
Own what matters

About Me

Owning Experiences that Matter with Experience

Cynthia Farrell has more than 36 years of experience in the mortgage industry. She has held almost every position in the mortgage loan process. She has overseen the origination/processing, underwriting, funding, and delivery of all mortgage loans to the secondary market investor/agencies. She has focused the last 26 years in Underwriting and Underwriting Leadership. Her most recent position was as Regional Underwriting Manager with a West Coast and National Focus.

Extensive Loan structuring and product knowledge have been key in her success, and she will be utilizing that knowledge to support clients in being able to obtain the mortgage loan that is best for them and their needs. Her loan product background includes Conventional, Jumbo, FHA, USDA, VA and Non-Qualifying Mortgages. In addition to her mortgage background, Cynthia is a highly trained and skilled Life Coach and fully understands the privilege of supporting those with their largest and most valuable purchase or the obtaining of funds for their family’s needs.

Cynthia has been a resident of Placer or Sacramento County her entire mortgage career. She and husband of 10 years, James (a Realtor), currently reside in the community of Carmichael, and their combined 3 adult children have blessed them with 3 grandchildren.

Her mission as a Loan Officer is to find a way for community members to be home owners, to use their equity as needed, and to invest in her community in ways that will provide housing for those in need, to educate our community members on how to create a path to home ownership. Cynthia believes deeply that the Real Estate and Mortgage Industries can be huge influencers on the landscapes of our cities, state and nation in providing housing, she believes this our primary responsibility. With this being her “why” and her knowing it is her purpose, she will work diligently with borrowers to meet their current and future mortgage financing needs.


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 national programs for doctors and dentists, and many state 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

Your home loan insights

Already a homeowner?
Find out what your home is worth and see how your equity can work for you.

Get your home estimate


What people say

Video gallery

View More



Causes I'm
passionate about

NMLS ID #915085
I am authorized to do business in the state of California. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act;