Contact Me

Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

Gabriela Santana

Gabriela Santana

Loan Officer

1000 Town Center Dr., Suite 520, Oxnard, CA 93036
Own what matters
Own what matters

About Me

Creating and enabling the feeling of empowerment in my clients is my passion.  Helping them reach beyond their expectations is my drive.  Seeing them reach their goals is my joy.

Providing educated and helpful guidance through the home buying process as a Loan Officer with Guild Mortgage is so rewarding.  Helping families and individuals reach not only their homeownership goals, but their financial growth is what keeps me thriving to grow.

Being in the finance industry since I was 19 years old gave me a great foundation to enter the mortgage loan industry in 2001.  Seeing all of the changes and challenges throughout the years has helped me expand my knowledge, skills, and attitude to help those who really need more than just a home loan.  Having been a Financial Coach, Homeownership Counselor, Credit Advisor, and Program Manager for 9 years gave me the drive to help our community grow in knowledge of their options.  I enjoy helping families and individuals see how they can accomplish their goals with a guided and intentional action plan.  Making their dreams a reality.  I am here to help, and love doing it!

 

Read Blog

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.

Your home loan insights

Already a homeowner?
Find out what your home is worth and see how your equity can work for you.

Get your home estimate

X

Testimonials

Testimonials
5.0 out of 5.0 stars
5.0
5.0
Heriberto
Jun 10, 2024
Verified

Gabriela was patient and very helpful in the process.
Laura
Jun 10, 2024
Verified

Gabriela took the time to send us detailed emails answering all of our questions. She made herself easily available and was willing to explain different options to us. She was also very patient and provided pleasant customer service.
Leticia
May 16, 2024
Verified

I’m very thankful to have worked with Gabriela Santana during my loan process. With her admirable patience and passion she has for her job communication was made easy. Gabriela’s attention to detail when coming to the process of acquiring a loan was extremely helpful. My family and I couldn’t thank her enough. We were blessed to find someone so kind.
Billy D
Apr 30, 2024
Verified

Gabby is the best!! She is someone who I feel comfortable referring to all my clients. She really cares and is truly amazing.
Jason M
Apr 29, 2024
Verified

Gabriela is one of the best loan officers you could get. She was available when needed, always courteous and friendly, knowledgeable, and went above and beyond to make the loan process smooth and look easy. 30 day on time close with time to spare. Additionally, she worked great with my agent Billy Davidson. Top notch in her field!
Jason
Apr 29, 2024
Verified

As noted in my response to recognizing Gabriela, that's what made it a great experience. Thanks!

Video gallery

View More

Awards

awards

Causes I'm
passionate about

causes
NMLS ID #1587723
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;