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Gelda Angel

Gelda Angel

Originating Loan Officer Assistant

16360 Monterey St., Suite 260, Morgan Hill, CA 95037
Own what matters
Own what matters

About Me

I am a California native, born in San Jose and raised in the Bay Area. In 2018, I relocated to Gilroy.   In college I studied Marketing and then went on to get my Master’s in Public Administration. After college, I spent  eleven years in consumer banking.  Then, in 2011, looking for a new career path, I made the leap to Mortgage Lending. It was here I found my passion, helping those who want to buy a home navigate the loan process, making it as easy and seamless as possible.  

As a Silicon Valley resident, I understand the juggle of work life balance. When I am not at work, I am a “Sports Mom” and have been since my three children could kick and throw. You can find me cheering them on at their sporting events, walking at many of our local parks or enjoying some of the many local festivals in our area.  


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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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4.95 out of 5.0 stars
Meena B
Apr 03, 2024

We had an exceptional experience with our loan officer Gelda, who stood out for her thoroughness and friendly demeanor. From the very beginning, she demonstrated a deep understanding of our specific requirements. What really set her apart was her innovative approach; she wasn’t just going through the motions but actively sought out unique solutions to ensure our needs were met. Her dedication to trying everything possible to get our work done was both impressive and reassuring. It’s rare to find someone so committed and capable, and we are immensely grateful for her support throughout the loan process. We are thankful for your efforts.
Mar 26, 2024

Gelda Angel is very knowledgeable in a wide variety of loan products which is very helpful for the wide range of clients I have with a variety of financial/life situations. She responds quickly and works diligently to keep us updated and make sure we understand what to expect next in our loan process. Thank you Gelda for all your hard work and dedication to our clients.
Toni G
Sep 29, 2023

I cannot say enough about the expertise and knowledge Gelda provided and her diligence locating the best and proper loan for me and my investors. She understands urgencies and handles all matters with expeditious professionalism & knowledge. There is no one better in the industry! Thanks Gelda!
Sep 18, 2023

Gelda and her team were very helpful and knowledgeable about our home buying process. Gelda and her team made this process so easy for me and my husband. We both had full confidence in Gelda and she was so patient with us and really explained the process to the best of her ability. Thank you Gelda and Guild mortgage!!
Veronica G
Sep 22, 2023

It was great to work with Gelda and her team they are really profesional easy to work with and good at communicating and keep me informed at all times.
Mar 26, 2024

Very appreciative of the hard work from the team and the willingness to work with the Empower program for us. The only minor hiccup was during the closing period, when communication regarding estimated timing of Guild docs were overestimated, leading to unnecessary rushing from us and Empower. Otherwise, Gelda was very communicative and helpful through the entire process.

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NMLS ID #648429
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;