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Shirley Dennis

Senior Loan Officer

155 East Main Avenue, Suite 170, Morgan Hill, CA 95037
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.



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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5.0 out of 5.0 stars
Jul 31, 2023

Very professional! Kept me updated during the process
Jul 07, 2022

Thank you so much Guild Mortgage Company for making my dreams come true to be a home owner. To give home to my little 4 year old son. I will definitely recommending Guild Mortgage Company to all my friends.
Feb 23, 2022

Shirley has done my house loan 3 times already and i would continue to go with her as she is very patient fast response and very helpful..........thanks Shirley
Feb 21, 2022

Without a doubt the best lender in our area. She is a dream to work with. Extremely knowledgeable-Kind-Honest.
Nov 20, 2021

Shirley Dennis is AMAZING!!! She is professional compassionate she is a true expert in her field. She explained everything thoroughly and answered all of our questions. We highly recommend Shirley to all of our family and friends because she is the BEST.
Sep 11, 2021

Best service out in the world!!!! thank you Shirley.You get it done!Give this woman a raise!!!!!

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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;