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Benjamin Williams

Benjamin Williams

Senior Loan Officer

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

About Me

Over the last 6.5 years of experience and earning clients business across the country, I have become an expert in the most competitive purchase mortgages and refinance savings for my clients country. 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" and mortgage "go-to" for any need big or small. I'm here to serve 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.

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.

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Testimonials

Testimonials
4.96 out of 5.0 stars
4.8
5.0
Martin M
Jul 02, 2023
Verified

Guild Mortgage is the lender for our new home. Ben Williams, Kalisha Jones and Jessica are excellent to work with. Highly recommend Guild and this team for home loans.
Martin
Jul 02, 2023
Verified

Benjamin Williams, Kalisha Jones and Jessica are an exceptional team at Guild Mortgage Company. They represent Guild Mortgage in such a professional way and were so responsive to our every request a nd concern.
Laura
Jun 26, 2023
Verified

Ben and Jessica are literal angels on this earth. I would not have made it through this refi without them. A million thanks!!!
Dayh B
Jun 20, 2023
Verified

Guild is a great company to work with. They do not charge all those fees other banks charge.
Siedah
Jun 20, 2023
Verified

Benjamin did an excellent job. He explained the process and make sure that I closed on time. I appreciate everything he has done to make my process successful.
Misty
May 16, 2023
Verified

Benjamin helped make our experience very smooth and had great communication throughout the whole process.

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Awards

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Causes I'm
passionate about

causes
NMLS ID #1025173
I am authorized to do business in the states of Alaska, Alabama, Arkansas, Arizona, California, Colorado, Connecticut, District of Columbia, Delaware, Florida, Georgia, Hawaii, Iowa, Idaho, Indiana, Kansas, Kentucky, Massachusetts, Maryland, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, South Dakota, Tennessee, Texas, Utah, Virginia, Vermont, Washington, Wisconsin and Wyoming. Branch NMLS ID 3274; AZ BK#0018883; AZ BKBR# 0018883; AZ LO Lic.# 0924322; 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 # 1025173; Licensed by the Mississippi Department of Banking and Consumer Finance; OR ML-176; (www.nmlsconsumeraccess.org);