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Own what matters

Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

Ronica Lucio

Loan Officer

155 East Main Avenue, Suite 170, Morgan Hill, CA 95037
Own what matters
Ranked #1 in Customer Satisfaction with Primary Mortgage Origination
— J.D. Power

About Me

Financing a home is one of the most significant commitments you will make.  Whether you are purchasing a new home, an investment property or refinancing your current home, I am here to guide you through the process from start to finish.  My 15+ years of working as a loan processor have provided me with extensive knowledge and background of the Mortgage Industry.  Homeownership should be an option for everyone, and that is why Guild Mortgage offers a multitude of programs that are tailored to fit your needs.   I will assist you step-by-step in finding the loan option that best suits your life and meets your financial requirements.  As a wife and mother of a retired military family, I know the importance of everyone coming home and coming together at the end of the day.  “A house is made of bricks and beams.  A home is made of hopes and dreams." – Unknown.  Let me, help you, make your hopes and dreams come true.

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Meet my team

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I work closely with my team of specialists to get you the financing you need. See what each member brings to the team.

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 #1135589
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;