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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

Building trust, one borrower at a time.

Find out how we performed in the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study.

About me

As a Mortgage Advisor, I am dedicated to helping you make the most informed mortgage decision possible - one that integrates with your personal financial plan and major life goals like retirement and wealth accumulation. A mortgage isn't just a loan; it's one of your most important financial planning tools.

With substantial background in Accounting, Finance and CPA Firm experience I share an abundance of knowledge which will support you in your financing needs. I am dedicated to great service and committed to helping my clients obtain the best financing possible. I will advise you and provide you with the essential information necessary to make informed decisions now and in the future as your financial desires change.

You can apply for a loan by clicking on one of the links provided below. If you need information about a home loan or would like to contact me, please give me a call at 916-486-6512, send me an email or fill out our Information Request Form and I will get right back to you.

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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.

Product Info

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Testimonials

Testimonials
4.99 out of 5.0 stars
4.97
5.0
Ivan
Oct 07, 2025
Verified

We absolutely loved working with our loan officer! From start to finish, the experience was smooth and stress-free. john was helpful, resourceful, fast, and incredibly responsive. Every question was answered right away, and every step felt easy. Truly a great experience from beginning to end — we couldn’t have asked for better support!
Pepper
Oct 07, 2025
Verified

This is the second home that John and Guild Mortgage Company have helped me purchase. I can't say enough great things about John and his team. He always goes above and beyond the call of duty and makes miracles happen! I'm grateful to have had the pleasure of working with him on my newest home purchase and will definitely be recommending him to anyone I know who's in the market for an awesome lender! Thank you Mr. Fod!
Pamala
Oct 01, 2025
Sacramento, CA
Verified

John and his team went the extra mile for our family! John refered us to an agent for homeowners insurance and paved the way for a very smooth 20 day escrow on a home build in 1908. Everyone at guild was so professional and friendly. Guild Mortgages good reputation gave us credibility with the buyers. We appreciate you very much. Thank you
Miguel
Oct 01, 2025
Verified

John at Guild was great, he was responsive, looked for solutions and stayed with us during the entire transaction. Great customer service!
Cristina
Oct 01, 2025
Verified

John went above and beyond to help us get through the process of buying our home. I was impressed with his excellent customer service and felt that he was really trying hard to get us the best loan situation he could. I would recommend John Foderaro to anyone looking for a great loan officer!
Gloria
Sep 24, 2025
Sacramento, CA
Verified

got the job done efficiently and on time and with great service

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Awards

Scotsman Guide Award

Causes & Memberships

member of Guild Giving
NMLS ID #305090
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;