Carolyn Thomas
Senior Loan Officer
NMLS ID #256827
Riverside, CA
Powered by Experience
Helping with your financial goals in Northern California
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Mar 11, 2026 |
Pinole, CA
Aug 18, 2025 |
Livermore, CA
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Get in touch to discuss your home financing goals and explore next steps together.
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Office Hours
Monday - Friday
Saturday
Sunday
8:00AM - 5:00PM
CLOSED
CLOSED
Monday - Friday
8:00AM - 5:00PM
Saturday
CLOSED
Sunday
CLOSED
NMLS ID #256827
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;
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Whether you’re buying your first home, exploring down payment assistance, relocating for military service or purchasing in a high-cost market, Guild offers a range of loan programs designed to meet different needs and situations.
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Helpful resources
What are draw and repayment periods for HELOCs* and HELOANs?
Nearly 30% of homeowners are considering tapping into their home equity, a notable increase compared to a few years ago.
Read more
When should I use my home equity?
Your home has probably done a lot for you over the years. It’s where you’ve made memories, celebrated milestones, and planted roots.
Read more
Is a 2-1 buydown worth it? Pros and cons explained
A 2-1 buydown, also known as a 2-year temporary buydown, provides breathing room for aspiring homeowners to get started on building equity.
Read more
home equity insights
Get smart about your home's value
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