Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

Dolores Frace

Senior Loan Officer

NMLS# 317485

5887 Copley Drive, Floors 1, 3, 4, 5, And 6,
San Diego, CA 92111

(619) 988-1628

Email

Phone

Social

Apply Now

Or, access your existing account

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 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".

READ BLOG

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

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%.

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.

Jumbo loans

Jumbo loans offer larger loan amounts than most other loan programs. These loans are a great option if you're looking to buy a more expensive home and have a great credit score and strong financial situation.

USDA

Are you purchasing a rural property? A USDA loan is a great fit. Enjoy lower interest rates with no down payment. These loans are best suited for homebuyers with moderate to low income and are offered to rural property owners through the U.S. Department of Agriculture (USDA).

VA

If you're an active member of the military or a veteran, a VA loan can help you save money with no down payment and lower closing costs. VA loans also have lower interest rates, meaning you'll save money over the life of your loan. A VA loan is a program created and guaranteed by the Department of Veterans Affairs (VA) specifically for eligible military veterans, service members and their spouses.

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.

Home Equity

Open the door to new possibilities by accessing your home's equity whether it's to afford tuition, renovate, consolidate high-interest debt, purchase a second home or tackle an emergency expense. A home equity line of credit (HELOC*) or home equity loan (HELOAN) can help wherever life takes you.

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

Home equity insights

For homebuyers

Discover homes that grow equity

For homeowners

Learn how much your home is worth

For illustrative purposes only. Guild Mortgage is not affiliated with Homebot. Clicking the above links redirects to Homebot controlled sites.

Testimonials

The rating and reviews below represent my top reviews. Read all customer reviews here.

4.98 out of 5.0 stars

5.0

Leave A Review

Robyn

Nov 2, 2025

The team was incredibly responsive and made the process as smooth as possible Dolores Frace was proacti...See more

Mariela

Sept 2, 2025

Dolores was awesome she really took the time to help me and my husband out and she would like us be ...See more

Tevin

Sept 1, 2025

Working with Dolores to tackle a funding issue proved to be a great learning experience which will enable...See more

Jenny

Aug 7, 2025

We have loved working with Dolores ever since our first mortgage. She went above and beyond to get us into our first hou...See more

Tevin W.

Aug 5, 2025