Skip to content
Albert: Your Personalized Home Loan Guide to Homeownership
Passionate About Tailoring Solutions for Your Dream Home
Image of Albert Lopez

Albert Lopez

Branch Manager | Hablo Español

NMLS# 910148

About me

There are many rewarding aspects of working in the mortgage industry, but one of the most fulfilling is helping people achieve their dream of homeownership. It's incredibly satisfying to see the joy and relief on clients' faces when they realize they can afford their dream home or when they successfully refinance to improve their financial situation. Additionally, the industry is always evolving, which keeps things interesting and challenging. Every client's situation is unique, so there's always something new to learn and different ways to help. 

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.

conventional image

Conventional

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%.
fha image

FHA

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.
down-payment-assistance image

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.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

Homebot logo

Home equity insights

X
X

For illustrative purposes only. Guild Mortgage is not affiliated with Homebot. Clicking the above links redirects to Homebot controlled sites.

Testimonials

The rating and reviews below represent my top reviews.
4.84 out of 5.0 stars
Zillow logo
4.2
Facebook logo
3.3
Experience logo
5.0
Google logo
5.0
Third party logo
5.0
Luis
Oct 4, 2025
Experience logo
Albert was very helpfull and patient with me.
Alyson
Oct 4, 2025
Experience logo
There are not many experienced loan officers who could overcome all the obstacles this transaction faced and to get this...See more
T M.
Oct 4, 2025
Google logo
It was stress-free and no hassles. Albert Lopez made is so easy, because he is knowledgeable and very helpful. If we h...See more
susana c.
Aug 2, 2025
Google logo
"I had a great experience because Albert went above and beyond to help me get approved for the loan. He was incredibly s...See more
Terry
Aug 2, 2025
Experience logo
It was srress-free and no hassels. Albert Lopez made is so easy, because he is knowlegeable and very helpful. If we ha...See more
Juan
Aug 1, 2025
Experience logo
Clear guidance by a very good mortgage professional!

Video Gallery

Awards

Image of an award

Causes & Memberships

Image of causes & memberships

NMLS ID #910148

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;

X
Want to have an experienced loan officer contact you for answers?
First name*
Last name*
Phone*
Email*
Zip code*