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Stephanie Mccarthy

Loan Officer

NMLS# 276562

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.

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.

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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.
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Jumbo loans

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.
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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.

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

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Testimonials

The rating and reviews below represent my top reviews. Read all customer reviews here.
4.96 out of 5.0 stars
Zillow logo
5.0
Facebook logo
5.0
Experience logo
5.0
Google logo
5.0
Third party logo
4.9
Heather +.
Oct 7, 2025
Google logo
Stephanie is an amazing loan officer. She's great at what she does ... she will take you from start to finish and keep y...See more
Art T.
Oct 7, 2025
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For me the process of borrowing money for a home purchase is beyond me. After meeting with Stephanie earlier, she is def...See more
Maria
Oct 6, 2025
Experience logo
We worked with Stephanie for nearly a year while searching for our home, and I can’t say enough about how incredible the...See more
Marie S.
Oct 4, 2025
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We worked with Stephanie for nearly a year while searching for our home, and I can’t say enough about how incredible the...See more
Juliesjunkmail15
Sept 4, 2025
Zillow logo
We are first home buyers and worked with Stephanie. She has been in the housing/loan business for a long time and has so...See more
Barbara
Aug 3, 2025
Experience logo
I can't express enough gratitude to Stephanie for all the help she provided me. Helped me in so many wa...See more

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Awards

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Causes & Memberships

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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;

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