Contact Me

Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

Xavier Velasco

Xavier Velasco

Loan Officer

5887 Copley Dr, Floors 1, 3, 4, 5, 6, San Diego, CA 92111
Phone:
(858) 790-0697 ext. 10697
Own what matters
Own what matters

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
4.88 out of 5.0 stars
4.73
5.0
ceceilia
Apr 24, 2024
Verified

Xavier was amazing to work with during my loan process, all of my expectations were met!! I would definitely recommend him and his team to everyone, if you are looking for a loan of any sort please choose Guild mortgage and work with Xavier and his colleagues, you will not be disappointed.
Andi
Mar 28, 2024
Verified

Great experience with Xavier in processing my loan through Guild Mortgage. He has good customer service with excellent skills, communication and responses. So happy working with him. Definitely I’ll refer him to others.
Kristina
Mar 28, 2024
Verified

It’s a great experience to have Xavier processing my loan through Guild Mortgage. He’s very knowledgeable with great communication and responses. I’m very thankful and happy with him. Therefore, I definitely use him again and refer to someone else.
Thomas
Mar 20, 2024
Verified

Great experience working with Xavier and his team. They were all very easy to work with and would answer any of my questions in a timely matter.
Erin
Feb 16, 2024
Verified

Xavier provided an excellent experience for our first HELOC. He was very patient with all my questions, thoroughly explained the process, but in a way that was understandable. This was a big decision for my husband and I so it was nice to work with someone we felt we could trust.
Danielle
Aug 11, 2023
Verified

Xavier was incredible to work with. He went the extra mile at every turn and his communication was quick and responsive. We’ve closed on many homes, but this was by far the best experience we’ve had. We highly recommend!

Video gallery

View More

Awards

awards

Causes I'm
passionate about

causes
NMLS ID #515572
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, 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.# 1012920; 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 # 515572; 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);