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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

Building trust, one borrower at a time.

Find out how we performed in the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study.

About me

Joanne is a seasoned professional in the mortgage industry with a passion for making a positive impact. Since 1982, she has dedicated herself to retail mortgage lending, earning her real estate broker’s license in 2002. Joanne's commitment to excellence is evident in her five-time inclusion in the president's club as a producer and three times as a manager. Beyond her career achievements, Joanne finds balance in her life, she raised three daughters while caring for her disabled mother, and enjoying 36 years of marriage, resulting in six wonderful grandchildren. Her journey reflects resilience, dedication, and a genuine commitment to improving the lives of others.

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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.

Product Info

Testimonials

Testimonials
4.98 out of 5.0 stars
5.0
4.98
5.0
Johnny
Sep 30, 2025
Fairfield, CA
Verified

Working with Joanne Hender at Guild Mortgage was an absolute pleasure. Joanne is truly a miracle worker. This was a long transaction due to the nature of the loan type, and there were moments when hope was running low, but Joanne never gave up. She stayed persistent, kept working at it, and made it happen. Her communication was impeccable as she kept me in the loop every step of the way, coordinated with the HOA, and worked seamlessly with everyone involved. I was on the seller side, and from the very beginning I had confidence that she would push through for her client, and she absolutely did. Grateful for her hard work and never-give-up attitude. We closed smoothly in the end, and I truly hope to work together again soon.
Julie
Sep 30, 2025
Fairfield, CA
Verified

JoAnne is always one step ahead of the transaction milestones. She works tirelessly to help her clients and is an inspiration!
Sharolyn
Sep 30, 2025
Fairfield, CA
Verified

I had met and worked with Joanne before, not only is she a great lender, she also educate buyers, keep them calm during the stressful moments and she is a friend. I HIGHLY recommend her to anyone looking to purchase a home.❤️
Susan
Aug 16, 2025
Dixon, CA
Verified

Joanne went the extra mile during my two false starts and finally our new home. She was always there and never failed to respnd to my questions even the dumb ones.
Rodel
Jun 05, 2025
Verified

From start to finish Joan(loan officer)and her assistant from Guild mortgage provided fast , reliable and transparent service, Guild has helped me get 2 mortgage loan for the past 5 years. They made it simple and stress-free.
Connie C
May 02, 2025
Verified

I can’t thank how much Joanne has helped me and my family get our dream home! She gave great recommendations and provided different options to our individualized need as a first time homebuyer. She communicated every single step of the way and was always there to answer any sort of questions we had. We were lucky to have Joanne and her team with us during our home buying journey!

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Awards

Causes & Memberships

member of Guild Giving
NMLS ID #453286
I am authorized to do business in the states of California and Washington. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act;