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David Bonk

David Bonk

Originating Production Manager II

2330 East Bidwell St., Suite 203, Folsom, CA 95630
Own what matters
Own what matters

About Me

As a Guild Loan Officer, I take sincere pride in providing my clients with friendly and informative service throughout the loan process. A home loan is one of the largest financial decisions you will make and I am committed to helping you understand all of your options so that we can make the best choice to meet your financial goals. Whether you are looking to refinance your existing home or purchase your first home and need down payment assistance programs to help get you started, we have the loan program to fit your needs. We offer Conventional, FHA, VA, 203K, Jumbo financing and much more. You can click on the “Get Started” tab at the top of this website for multiple resources and of course I am always available to answer your questions.

We provide the latest internet applications allowing my clients the convenience of the online mortgage experience, however as a local lender I still enjoy meeting in person to make sure you have all of your questions answered.  Building a strong relationship based upon trust will be my primary goal when you work with me and my team.

As a graduate of Jesuit High School, CSU Sacramento and as a Sacramento native for over 45 years I look forward to being your locally trusted 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.



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
May 20, 2024

Absolutely amazing team!
May 06, 2024

David Bonk was a pleasure to work with, he is very professional and knows his products. He was able to help my clients work through some difficult situations and get their loan closed! I will recommend David and Guild Mortgage to my future clients. Thank you David and Guild Mirtgage!
Mar 18, 2024

I appreciated Dave communicating every step of this process to me.
Mar 18, 2024

David communicated very well, was always available and provided updates as needed. The borrower and I were very happy with the service.
Jul 05, 2023

David was amazing!!!! Could not have asked for a better experience!!
Apr 07, 2023

I was searching for my forever home a little peace of mind. Dave said when the time is right we will find the right home. Hiedi constantly was looking for the perfect place for us. One day I found the perfect home for us. Hiedi and Dave made everything fall in place there were some obstacles but I always felt and knew we was in good hands. If you’re looking you and your family will be in wonderful hands if you allow Hiedi and Dave assist you buying your new home.

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Causes I'm
passionate about

NMLS ID #356503
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;