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Shirley Dennis

Shirley Dennis

Senior Loan Officer

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

About Me

I've been in the mortgage industry for approximately 35 years. There are so many programs for the 1st time buyers to the seasoned borrowers. Give me a call for a loan scenario, whether it is to purchase or refinance.

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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.

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

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%.
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.
FHA

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.

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

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Testimonials

Testimonials
5.0 out of 5.0 stars
5.0
5.0
Cynthia S
Mar 05, 2024
Verified

My experience with Guild Mortgage was great, because Shirley and her team are great!! Shirley treats you like family, not a customer… and that makes all the difference…
Nicholas
Mar 04, 2024
Verified

Thank you, Shirley!!
kimberly H
Mar 05, 2024
Verified

Shirley and her team at Guild Mortgage are truly outstanding. They helped my Husband and I buy our very first own home. They explained every step of the way, held our hand through the process. They worked overtime and did everything possible for us to close on the house early. I truly can't express how amazing of a team they have. I would recommend them to anyone trying to buy a home. The process can be very stressful and its great to have a team you can rely on to get the job done! Thank you guys for all your hard work. You made are dream come true!
Kimberly
Mar 04, 2024
Verified

Shirley and her team went ABOVE and beyond for my husband and I. They explained the process and held our hand every step of the way. They worked all hours of the day to make sure our loan closed in time. I am so thankful for Shirley and her team at Guild mortgage and will be referring you guys to anyone who is wanting to buy a house. They always let us know exactly what was going on and what to expect. This process can be very stressful, but Shirley really helps ease your nerves and guides you through! Thank you so much you guys! You are truly amazing.
Cathy
Mar 04, 2024
Verified

Guild Mortgage is an awesome company. I have referred my clients for the past 15 yrs to Shirley Dennis of Guild Mtg Co. Shirley and her great supporting staff. My most recent clients were first time homebuyers and Shirley walked them through the whole process and literally held their hands through the entire escrow period talking and explaining it all in a way that this first time buyers were able to fully understand the process. They worked nights and weekends to get the escrow to close on time with a proud new family getting handed their first set of keys!!! My clients are thrilled with their 1st home thanks to Guild Mortgage Co and Shirley D!
Mary
Mar 04, 2024
Verified

Quick close - Shirley got the job done and was available to communicate when needed.

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NMLS ID #396792
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;