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Select from hundreds of loan products tailored to your needs

Braulio Navarro

Braulio Navarro

Loan Officer

2236 S. Broadway, Suite B, Santa Maria, CA 93454
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.

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Testimonials

Testimonials
5.0 out of 5.0 stars
5.0
5.0
Elizabeth
May 13, 2024
Verified

Braulio was responsive and was able to navigate through all of the process in a positive and caring way.
Jose
Apr 29, 2024
Verified

Braulio is great, he went above and beyond to ensure we closed on time. Not many are willing to go the EXTRA mile for their clients, Braulio does!
Jose Z
Sep 08, 2023
Verified

Always a pleasure working with Braulio. Got my buyers fully underwritten approved and close under 30 days.
Jose
Sep 07, 2023
Verified

Closed under 30 days and had loan fully underwritten approval
Samantha
Jul 10, 2023
Verified

Braulio was so helpful! He walked us through the whole process with ease. He provided us with great information and helped answer all of our questions.
wendy
Aug 30, 2021
Verified

Thank you so much for your help!

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NMLS ID #858420
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;