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Unlock Your Dream Home with the Perfect Loan

Explore Hundreds of Customized Loan Options Today!

About me

I believe buying a home should be one of the most rewarding experiences of your life. It's more than just crunching numbers or getting the best rate—it's about truly understanding your goals, easing your concerns, and walking with you every step of the way to your dream home.

With over 20 years in the mortgage industry, I’ve seen it all—from the market's ups and downs to the challenges many buyers face. What hasn’t changed is my commitment to building real relationships with my clients. You’re never just a number on a page; you’re someone with unique goals and challenges. I take the time to dig deeper, find out exactly what you need, and share proven strategies that help make homeownership a reality.

At the core of everything I do is a simple philosophy: it’s about people, not transactions. I’m not here to push you into a decision. Instead, I offer honest advice, clear guidance, and a deep understanding of the process so that you feel confident and informed every step of the way.

Outside of work, my motivation and joy come from my wonderful wife, Rose, and our young daughter, Gianna. They remind me every day of the importance of what I do—helping families find homes where they can create lasting memories. I also stay sharp through my other passion—rowing competitively year-round. It keeps me focused, driven, and ready for any challenge, much like the work I do for my clients.

I would love the opportunity to get to know you, understand your goals, and guide you through the mortgage process. Together, we’ll make your dream home a reality!

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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.

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Testimonials

Testimonials
4.95 out of 5.0 stars
5.0
5.0
4.87
4.97
Lucy
Dec 16, 2024
Sacramento, CA
Verified

Dan, Robin, and the rest of the Team worked so hard on our loan. They were very straightforward and worked hard to keep us on task. They helped make our dreams of homeownership come true!
Dan
Nov 26, 2024
Orangevale, CA
Verified

I highly recommend Dan Tharp and his team at Guild Mortgage to anyone looking for a seamless, supportive, and transparent loan processing experience. They made what could have been a very stressful situation manageable, and I am incredibly grateful for their professionalism and care of my clients.
Dorcas R
Nov 27, 2024
Verified

We recently had the opportunity to purchase a home, but just two weeks before our closing date, our loan with a large banking institution fell through. Thankfully, our trusted real estate agent referred us to Dan Tharp and his team at Guild Mortgage, and it turned out to be a blessing! Dan met with us the very same day we were referred to him and immediately got to work. He took the time to thoroughly explain the loan process and learn more about our specific needs, which helped put us at ease during a stressful time. Dan is an exceptional communicator—he kept us informed every step of the way with daily updates on where we stood in the process. He also provided valuable education about the loan process and the housing market that will serve us well for years to come. In addition to Dan's expertise, he introduced us to his dedicated team, Robin and Sarah, who were equally as professional and supportive. They patiently walked us through all the required documentation and ensured we understood everything. Whenever we had questions, they were quick to respond and made sure we felt confident in each step we were taking. Having worked with loan officers before, I can confidently say that this experience was different. For the first time, we truly felt that the loan officer and underwriting team were on our side, taking a personal interest in helping us reach our homeownership goals. Their commitment to us was evident throughout the entire process. I highly recommend Dan Tharp and his team at Guild Mortgage to anyone looking for a seamless, supportive, and transparent loan processing experience. They made what could have been a very stressful situation manageable, and we are incredibly grateful for their professionalism and care.
Bradley T
Nov 04, 2024
Carmichael, CA
Verified

The options were explained clearly to us, and we felt good about our decision. The team worked hard to streamline the process for us.
Gh N
Oct 29, 2024
Verified

I had a great experience with Daniel Tharp. He is a hard working and honest person. I really recommend him to anyone who is trying to get the loan. He is so professional and helpful.
Vanessa L
Oct 20, 2024
Verified

Dan Tharp was truly exceptional to work with. His constant communication and availability made the entire process smooth and stress-free. Despite it taking my client a year to find her dream home, Dan never hesitated to prepare different scenarios for offers and meticulously work through the numbers. His dedication and assistance were invaluable to both my client and me. I highly recommend Dan for anyone in need of a reliable and supportive loan officer!

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Awards

Causes I'm
passionate about

member of Guild Giving
NMLS ID #280913
I am authorized to do business in the states of California and Florida. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act;