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Stephen Germoles

Senior Loan Officer

2365 Iron Point Rd., Suite 290, Folsom, CA 95630
Own what matters

About Me

Experience the difference with a true committed professional

Mortgage Banking career path

Steve started the only career he has ever had originating mortgage loans in 1983. Years later, pursuing a life-long dream of owning his own business, he became a managing partner /director of Comstock Mortgage in May 1991. He held this position for 23 Years. In the fall of 2014, Steve and his business partners at Comstock Mortgage, were approached by Guild Mortgage based in San Diego. Immediately recognizing a good fit, and with Guild's 50 Year track record of mortgage banking, Steve and his business partners merged their Comstock Mortgage Banking division with Guild in Oct 2014. We are now known as Guild Mortgage, the Comstock division. The senior management at Guild really gets it. They're employee-centric, have a large portfolio of retained loan servicing, and are financially strong to continue in the regulated world of mortgage lending.

Personal background

Steve is a Sacramento-born native, 1976 Jesuit High School alumni, and attended California State University Sacramento earning a Bachelor of Science degree in 1983 in Business with an emphasis in Finance and Economics. With his strong financial background, he understands market cycles and can help you determine the best time to buy your first home, upgrade into a bigger investment or refinance your existing mortgage. He recognizes the importance of including homeownership as part of your investment portfolio and will ensure your financial goals are met.

Steve, his wife Cari and their two daughters, Jordyn and Ashlyn, have lived in Fair Oaks, CA for 30 Years. They enjoy visiting the greater Lake Tahoe region and the ocean. Road cycling and mountain biking, tennis and skiing are part of Steve’s passions. Jordyn is a 2014 School of Business Graduate of Cal Poly SLO and works in the San Diego area for a boutique investment advisory firm. Ashlyn completed her BS at San Diego State University in 2018. In 2021 she was accepted to the University of Colorado Anschutz Medical campus to obtain her masters to pursue a career as a physician’s assistant (PA).

What can you expect from Steve

Steve prides himself on having a strong understanding of the multitude of loan products available. He achieved the title of Certified Mortgage Planning Specialist (CMPS). This industry recognition involves a complex understanding of 1) rates of return on real estate investments, 2) income tax ramifications of all types of real estate ownership, and 3) the intricacies of the daily changing Financial and Secondary Markets that relate to interest rate movements. You are dealing with a real professional that will guide you through the entire process and make specific recommendations on your financial profile.

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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.

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NMLS ID #299002
I am authorized to do business in the states of California, Oregon and Washington. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; OR ML-176;