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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

About me

I have been working in this industry since 1984 and I am passionate about what I do. My career choice has been rewarding and fulfilling, and I still enjoy learning new things every day in this dynamic market. My experience in different aspects of the business, such as processing, shipping, and insuring, gives me an edge as a loan officer. I have been in this role since 1999 and I am proficient in all kinds of loan programs. I can help you find the best loan that matches your needs and goals.

I value customer service and I strive to exceed your expectations. I communicate with you clearly and promptly throughout the process. I listen to your unique situation and preferences, and I offer you personalized solutions. Working for Guild Mortgage, I have access to a wide range of loan products, including FHA, VA, Conventional, Jumbo Loans, Down-payment, USDA, Reverse Mortgages, Rehab Loans, Mobile Loans, Equity Lines and more.

On a personal note, I am happily married to my best friend for 25 years. We have a wonderful life together and we are grateful for every day. Family is very important to me. I have two amazing grown children and a beautiful 16-year-old granddaughter. My hobby is golf, and when I am not working, you can find me on the course.

My core values are sincerity, honesty, and integrity. These are the reasons why my clients trust me and refer me to their family and friends. That is the foundation of my business. I look forward to assisting you with your homebuying process.

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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.

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.
Jumbo

Jumbo

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.
VA

VA

If you’re an active member of the military or a veteran, a VA loan can help you save money with no down payment and lower closing costs. VA loans also have lower interest rates, meaning you’ll save money over the life of your loan. A VA loan is a program created and guaranteed by the Department of Veterans Affairs (VA) specifically for eligible military veterans, service members and their spouses.

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

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Testimonials

Testimonials
4.96 out of 5.0 stars
5.0
5.0
4.9
5.0
John
May 28, 2024
Verified

Everything went well!
Amanda R
Jun 01, 2024
Verified

Stephanie is amazing. She’s honest and transparent and hard-working. There’s a reason why over the past 10 years when I’ve bought and sold my different homes I always come to her. Most recently, I did a refinance on my current property and there is no one I’d rather go to than her and she did an amazing job.
Amanda
May 28, 2024
Verified

As usual, Stephanie always does her best. She’s honest and transparent and so hard-working. There’s a reason why I keep coming back and having her do all of my loans and refinances every time I’ve ever bought or sold a house over the last 10 years.
Zaida
May 28, 2024
Verified

Stephanie was professional, knowledgeable and efficient. A pleasure working with her!
Marianne K
Mar 09, 2024
Verified

Stephanie McCarthy really listens to the client's needs and goals to find the best mortgage options. I have recommended her to so many family and friends. All have had a great experience!
Marianne
Mar 04, 2024
Verified

Stephanie looks out for what is the best solution for the client both for near term and longer term options She listens to your needs and goals Great customer focus!

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Awards

Causes I'm
passionate about

causes
NMLS ID #276562
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;