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Alex Nichols

Alex Nichols

Senior Loan Officer

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

About Me

As a Guild Mortgage Loan Officer, I am committed to helping my clients understand their options for real estate financing and assisting them to make solid home loan decisions that meet their needs. My "Find a Loan" section of this website can be used to find information and resources on our home loan options. I look forward to serving your home financing needs for many years. My 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.



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.


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.


4.96 out of 5.0 stars
Nov 22, 2022

My experience with Alex was excellent. Should I need to refinance my home in the future I would not like to change a thing- I would definitely want to work with Alex as my loan officer again.
Nov 01, 2022

Great job Alex. Very professional job by you and your team.
Oct 08, 2022

Alex is excellent and great to work with!
Aug 26, 2022

Alex was very pleasant and helpful to work with highly recommend Alex and his team
Jul 23, 2022

Very helpful and informative.
Jul 16, 2022

Alex was great to work with through the whole process he answered any questions I had and kept me updated through the process!! He is part of the reason we like to deal with Guild Mortgage!!!

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NMLS ID #1124903
I am authorized to do business in the states of Alabama, Arkansas, Arizona, California, Colorado, Connecticut, Delaware, Georgia, Hawaii, Iowa, Idaho, Massachusetts, Maine, Missouri, Montana, North Carolina, New Jersey, Nevada, Oklahoma, Oregon, Rhode Island, South Carolina, Texas, Virginia, Vermont, Washington, Wisconsin, West Virginia and Wyoming. AZ BK#0018883; AZ BKBR# 0018883; AZ LO Lic.# 0944901; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; MA Mortgage Lender License #MC3274; MA Mortgage Broker License #MC3274; MA MLO Lic # 1124903; Branch NMLS ID 3274; Licensed by the N.J. Department of Banking and Insurance; NV Mortgage Company #1141; OR ML-176; Rhode Island Licensed Lender; (;