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Select from hundreds of loan products tailored to your needs

Alec Norets

Alec Norets

Senior Loan Officer

5887 Copley Dr, Floors 1, 3, 4, 5, 6, San Diego, CA 92111
Own what matters
Own what matters

About Me

Alec has been part of the Guild mortgage family since 2012. During this time he has become an expert on a wide array of mortgage products. Alec’s main focus is to listen to his client’s needs and goals, so he can tailor a mortgage loan that truly fits each individual client’s situation best, enabling the greatest amount of flexibility and providing ease in maintaining financial health.  From his years of dedicated work as the HARP refinance specialist, to his current role on the Consumer Direct Loyalty team, Alec can help navigate anyone through a purchase transaction, and explain the benefits of refinancing an existing loan. Alec’s goal is to be your “lender for life.”

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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.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
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.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

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

Testimonials

Testimonials
4.99 out of 5.0 stars
5.0
Denney
May 08, 2023
Verified

Alec, has guided me through my initial mortgage, my COVID era refinancing that is the triumph of my personal finances and now, as i face another critical inflection point in life, he's guiding me through another of Guild's offerings that will make all the difference in the world. It's hard to find people you can trust, but through all I've been through, pitting him against competition, he has proven to be the best I can find time and time, again. I am not the most initiated when it comes to finances, but I dont take a back seat, either. His consulting is expeditious, appropriate and conscientious. Do I trust Alec? Only with the most important financial decisions I've made in my life, so far, along with the ones in the foreseeable future. Thanks, Alec! You're the best!
Melanie
Oct 30, 2022
Verified

This was our second time using Alec Norets and Guild Mortgage for our new home purchase. I can't even begin to describe the outstanding customer service Alec and his staff provided to us! Alec was there for us every second of this extremely seamless process guiding and answering any questions we might have! I knew unequivocally that Alec had our best interest in this process from start to finish! But more importantly we knew we could TRUST him and that speaks volumes!!! Alec is top notch at what he does and I can HIGHLY recommend Alec to anyone looking to purchase a home! Outstanding customer service immeasurable knowledge and trustworthy…thank you again Alec!!
Claudia
Oct 13, 2022
Verified

Alec was amazing; he was so helpful and available throughout the process. I truly appreciate the customer service experience.
Tracy
Sep 14, 2022
Verified

Very personal friendly knowledgeable nice guy
ROBERTO
Aug 31, 2022
Verified

I appreciate that Alec was always timely with his appointments and thorough with any questions we had.I not only had his support but his assistants as well who had full knowledge of the application status at all times.
Andrew
Aug 20, 2022
Verified

This was our second time working with Alec and we couldn't be happier with the ease he creates in the difficult process of buying a home. He's knowledgeable and always keeps in touch to make the experience as smooth as possible.

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Awards

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Causes I'm
passionate about

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NMLS ID #1125085
I am authorized to do business in the states of Alaska, Alabama, Arkansas, Arizona, California, Colorado, Florida, Georgia, Hawaii, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Minnesota, Missouri, Mississippi, Montana, North Dakota, New Jersey, New Mexico, Nevada, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Virginia and Washington. Branch NMLS ID 3274; AZ BK#0018883; AZ BKBR# 0018883; AZ LO Lic.# 942383; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; (www.nmlsconsumeraccess.org); Licensed by the Mississippi Department of Banking and Consumer Finance; Licensed by the N.J. Department of Banking and Insurance; NV Mortgage Company #1141; OR ML-176; (www.nmlsconsumeraccess.org);