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Jim Carpeneti

Loan Officer

1100 Lincoln Avenue, Suite 262, San Jose, CA 95125
Own what matters
Ranked #1 in Customer Satisfaction with Primary Mortgage Origination
— J.D. Power

About Me

My heart is in Silicon Valley, the place I was born and where I grew up.  I attended Archbishop Mitty High School and graduated from San Jose State University, where I met my wife.  As you can imagine I have seen San Jose go through lots of changes over the years.

From the beginning of my professional life, I knew that my focus was going to be in sales.  Sales provided me with the ability to help people obtain things they needed, and that was important to me.  I started out with a global manufacturer managing large enterprise accounts.  My job was to provide solutions to help my customers reduce their cost by increasing efficiency.  I decided to make a change to the mortgage business in 2007, and to say that my timing was off couldn’t be more of an understatement.  Shortly after making this career change, the financial industry experienced one of its worst economic crises in recent history.  Although it would have been easy to throw in the towel, I believed I owed it to my clients, my family and most of all myself to stick it out, which proved to be the right decision.  Before joining Guild, I worked for two different banks, a credit union, and some smaller mortgage lenders.  I learned early on, that for me, educating my clients was one of the most important things I could do for them.  This provides them with the tools they need to navigate the lending process effectively and hopefully avoids any surprises at the eleventh hour.  My goal with every client is to make them customers and friends for life.

When I am away from work, the thing that I am most passionate about is my family.  I am the proud father of one son and one daughter and spend lots of time with them and my wife.  Having lived in the San Jose area for a lifetime, I have acquired a large circle of friends, many of whom share my love of sports, especially Bay area teams. I am an avid 49er and Giants fan and also love the Warriors and Sharks!


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I work closely with my team of specialists to get you the financing you need. See what each member brings to the team.

The perfect home loan for you

We offer hundreds of loan products for a wide variety of borrowers, including first-time homebuyers, military families and rural residents. We also offer many state, county, and city housing programs that provide down payment assistance. At Guild, we’ll work hard to deliver what matters most to you and find the loan that fits your life.

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NMLS ID #297501
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;