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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

Frank Garcia

Frank Garcia

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.

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
4.98 out of 5.0 stars
5.0
Lauren
Feb 23, 2023
Verified

Great service!
Emily
Nov 01, 2022
Verified

Overall a great experience. Even with a small hiccup we closed on time. The closing costs and interest rates were lower than any of the other lenders we shopped. Frank's team seemed to be on top of things. This was my first home buying experience so I had tons of questions and really wanted constant updates and they were good to provide that.
James
Oct 29, 2022
Verified

Frank and his team were amazing to work with.
Shannon
Oct 01, 2022
Verified

Thanks again Frank! Another efficient loan process and was great working with you and the Guild team!
Misty
Sep 25, 2022
Verified

Frank you were great to work with! You showed so much patience and kindness with all the questions. Thank you for everything!!!!
Randal
Sep 23, 2022
Verified

Great job. Very knowledgeable and available.

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Awards

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Causes I'm
passionate about

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NMLS ID #242365
I am authorized to do business in the states of Alaska, Alabama, Arkansas, Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Maryland, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Vermont, Washington, Wisconsin, West Virginia and Wyoming. Branch NMLS ID 3274; AZ BK#0018883; AZ BKBR# 0018883; AZ LO Lic.# 0925499; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; (www.nmlsconsumeraccess.org); MA Mortgage Lender License #MC3274; MA Mortgage Broker License #MC3274; MA MLO Lic # 242365; 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; Rhode Island Licensed Lender; (www.nmlsconsumeraccess.org);