Contact Me

Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

Justin Suemnick

Justin Suemnick

Loan Officer

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

About Me

As a Loan Officer with Guild Mortgage Company my clients and partners are my main focus. I am committed to helping my clients understand their options for home loan financing. I guide them to make home loan decisions that meet their needs. It's important for me to know my clients understand the benefits and disadvantages of their chosen program and rate. I work diligently to deliver the terms of a loan fitting their future goals. With more than 20 years experience I continue to educate myself in the ever-changing details of the lending industry. I take pride in helping my clients through their life journey as it pertains to home loans. This includes first time homebuyer programs, programs for the move up buyer, reverse mortgages for retirees and second home/investment properties. You can be confident you are receiving the most up-to-date information and current financing options available.

Thank you for allowing me to be a part of one of the most important financial decisions that most of us will ever make—homeownership!

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

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
4.96 out of 5.0 stars
5.0
5.0
Simon
May 20, 2024
Verified

Justin Suemnick and Michelle Estelle were very helpful and pleasant to work with. We are very thankful for the experience we had and will refer others.
Shannon B
Jul 25, 2023
Verified

Justin is a great lender. He was very communicative and helped my client through a tough credit issue. All of it worked out perfectly and we now both have happy clients. :)
Shannon
Jul 24, 2023
Verified

Justin knew exactly what to do with a difficult file that needed some credit coaching. He devised a plan for the buyer, who executed exactly what he recommended and all worked out perfectly. Thank you Justin for a smooth transaction.
Nicolas
Jul 27, 2022
Verified

Not at this time
James
Mar 26, 2022
Verified

We really happy and blessed knowing him. We recommend Justin Suemnick to our family and friends. He is very professional and very helpful from the beginning until the end process. We and all of our family & friends are satisfied with his service. We really recommended him as a good Loan Officer to take care any mortgage loan.
Daniel
Feb 15, 2022
Verified

Justin always provides excellent service and goes above and beyond. He is very helpful in explaining each step of the process and makes you feel like he is always there to answer questions and help guide you through the process.

Video gallery

View More

Awards

awards

Causes I'm
passionate about

causes
NMLS ID #259828
I am authorized to do business in the state of California. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act;