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Carrie Mandel

Carrie Mandel

Loan Officer

950 E. Katella Ave., Suite 7, Orange, CA 92867
Own what matters
Own what matters

About Me

I have had the opportunity to assist clients like you for over 22 years.  I began my career in the mortgage business back in 2001, helping clients with poor credit refinance I soon branched out into assisting clients on their home purchases in 2004. Since then, I have helped thousands of people live the dream of home ownership. I take my clients needs personally and stride to make you always feel like you are the only one I am helping!  I was born and raised in the “Valley” and moved to South Orange County in 1991. I frequent the mountains and love our orange county beaches.  

My extensive experience with home purchases and refinances will help keep you at ease through the process of your mortgage transactions.  I chose Guild Mortgage as the lender to work for as I have access to so many programs, I can help you find best mortgage that fits your family’s needs. Whether it is your first or fifth home purchase, or you’re looking to lower you rate or maybe need a second mortgage, I will be here to guide you to meet your financial desires. Every client is different and needs a professional mortgage loan officer, like me to help look deeper and ask more questions to find the most suitable mortgage for you. I have access to so many programs and have assisted every type of buyer. I am a out of the box thinker and can get very creative.  

My promise to you is to provide you with the best customer service possible. I will be here to answer all your questions and walk you through the process step by step. I will make you feel very confident and secure that you are making the best purchase possible! You will always know what is needed, and what the next steps will be. I will be your favorite person for about 3-4 weeks. You will wake up and think of me, I will pop in your head throughout the day, and most likely be a topic at most dinners. Than, once your dream of homeownership is complete, you will only think of me on holidays and birthdays when I am sending you cards.  

Allow me help you make your dreams come true.

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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%.


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.


Jumbo loans offer larger loan amounts than most other loan programs. These loans are a great option if you’re looking to buy a more expensive home and have a great credit score and strong financial situation.

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


5.0 out of 5.0 stars
Apr 03, 2016

Carrie was our mortgage banker for a recent home purchase. She is the very best in her field. She made the entire lending process a breeze from start to finish. We have purchased a couple homes previously and found this loan experience to be exceptional. Thank you Carrie.
Jan 13, 2016

Carrie recently refinanced my primary residence for me and she helped me roll two loans into one with a better interest rate (she advised me when to lock my rate and managed to help me catch the very bottom). I own quite a few properties and I have worked with many lenders in the past. Carrie was, by far, the most responsive lender I have ever worked with. She listened carefully to my needs and helped guide me toward the best solution. She is a people person and I felt like she always had my best interest in mind. It drives me crazy when lenders are unreachable and not available when it is convenient for me, my time is very valuable. Carrie was there with me every step of the way and immediately reachable by email and phone. She always had the answers I needed and she was quick and efficient in moving things along. Carrie is awesome and I highly recommend her to anyone who wants a competent, reliable, efficient, trustworthy lender.
Dec 29, 2015

After my first conversation with Carrie, there was no shopping around! Carrie was enthusiastic about getting me the best loan for my cabin in Big Bear, which she did! Carrie was always available, the process was smooth, and escrow closed in 36 days. After signing, Carrie even drove the papers to the title company to make sure I could get keys on thanksgiving day! Carrie works hard for her clients and really enjoys to see them happy about their real estate purchase. Thank you Carrie Mandel, you are awesome!

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Causes I'm
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NMLS ID #365071
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;