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About me

I have had the pleasure of helping families achieve the goal of homeownership for nearly 15 years. I understand there’s a lot that goes into lending and the process can feel really overwhelming, especially for first-time homebuyers.Read more

I have had the pleasure of helping families achieve the goal of homeownership for nearly 15 years. I understand there’s a lot that goes into lending and the process can feel really overwhelming, especially for first-time homebuyers. That’s where my team comes into play – we are here to take the stress off your shoulders and make sure your loan closes without a hitch. Experience is key in this ever-changing market, and you’ll find my team has the skills and knowledge to make your loan process run smoothly.

My team is local to the Tahoe-Truckee community and we understand this market well. We have deep-rooted relationships with business partners all over the region and clients find our network and expertise helps their offers stand out. We’ve also earned the coveted recognition of being named the best mortgage company since 2016 by Best of North Lake Tahoe & Truckee – an honor we don’t take lightly.

Whether you’re a first-time homebuyer or a seasoned homeowner, I look forward to helping you through the lending process. Email my team at [email protected] or find us online at facebook.com/TheRiceTeam.

Awards

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Causes and Memberships

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Testimonials

4.97 (385 reviews)
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5.0
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5.0
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5.0
I worked with Chelsy for my most recent transaction. She is extremely competent. She kept me up to date with the transaction, every step of the way. Definitely Recommend!
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jodi s.

Sept 16, 2025

Ooooh gosh - We're so glad to see Tim is back with the team!! He worked so hard on our application years ago - and if it weren't for him, we would have lost $120k in a 1031 exchange. He miraculously saved our deal that was dropped in his lap with so little time... We'll never use anyone but this team. So grateful!!!
Michelle

July 17, 2025

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Meet our team

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

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Tim Cussen

Originating Loan Officer Assistant l NMLS#1594391

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Chelsy Delia

Originating Production Manager l NMLS# 1091936

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Shelby Gallagher

Originating Loan Officer Assistant l NMLS #2282658

I am not a licensed loan originator

Ready to get started?

Get in touch to discuss your home financing goals and explore next steps together.

Office Hours

Monday - Friday

Saturday

Sunday

9:00AM - 5:00PM

9AM TO 5PM

9AM TO 5PM

Monday - Friday

9:00AM - 5:00PM

Saturday

9AM TO 5PM

Sunday

9AM TO 5PM

NMLS ID #308387

I am authorized to do business in the states of California and Nevada. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; NV Mortgage Company #1141;

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Find the loan that works for you

See what we offer

Whether you’re buying your first home, exploring down payment assistance, relocating for military service or purchasing in a high-cost market, Guild offers a range of loan programs designed to meet different needs and situations.

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