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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

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.

Bridge

Bridge

If you’ve found the perfect new home but still need to sell your current one*, moving up can be easier than you think. You can buy quickly and avoid worrying about a contingent sale. Our short-term bridge loan for the down payment helps you transition seamlessly without missing out on the right home for your family.

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.
Jumbo

Jumbo

Jumbo loans offer larger loan amounts than most other loan programs. These loans are a great option if you’re looking to buy a more expensive home and have a great credit score and strong financial situation.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
4.8 out of 5.0 stars
4.74
5.0
Darryl
Jul 24, 2025
Woodland, CA
Verified

"The expertise of Mr Ryan Smith in approving my home loan was greatly appreciated. Ryan truly transcended my expectations in ensuring a smooth and successful process and transition. Throughout the entire process, Ryan communicated and promptly answered questions effectively, keeping me and everyone involved and apprised in this transaction. Beyond competence, Ryan's personalized approach perceived trust. The genuine care and dedication to needs made the experience less stressful, but pleasant. Mr Smith is highly recommended to anyone looking to get a loan. Ryan and his Guild team are a true professionals in this field, and undoubtedly a pleasure to work with. To add, I am as well grateful for the assistance of Mr Brandon Pando with Tim Lewis Communities for believing in me to be the eventual and rightful owner of this new residence. The effort put in by Brandon and the entire team is truly valued and acknowledged. He was professional, responsive, and always willing to address questions and concerns, making the entire experience as smooth and comforting as possible."
Guillermo
Aug 01, 2025
Woodland, CA
Verified

Everything was awesome, customer service, communication and help was amazing
Sara A
Aug 01, 2025
Verified

Ryan and his team are really nice and they always answer all the questions you can have. They take into consideration all scenarios and help you 🤗
Sara
Aug 01, 2025
Woodland, CA
Verified

Everything was great. Ryan and Cassie and Yvette and the whole team was very friendly and open to answer any questions. this is the first time we buy a house and Ryan and his team explained us and walk us through the process and helping us understand!
Kobenhaun D
Jul 24, 2025
Verified

"The expertise of Mr Ryan Smith in approving my home loan was greatly appreciated. Ryan truly transcended my expectations in ensuring a smooth and successful process and transition. Throughout the entire process, Ryan communicated and promptly answered questions effectively, keeping me and everyone involved and apprised in this transaction. Beyond competence, Ryan's personalized approach perceived trust. The genuine care and dedication to needs made the experience less stressful, but pleasant. Mr Smith is highly recommended to anyone looking to get a loan. Ryan and his Guild team are a true professionals in this field, and undoubtedly a pleasure to work with. To add, I am as well grateful for the assistance of Mr Brandon Pando with Tim Lewis Communities for believing in me to be the eventual and rightful owner of this new residence. The effort put in by Brandon and the entire team is truly valued and acknowledged. He was professional, responsive, and always willing to address questions and concerns, making the entire experience as smooth and comforting as possible."
Said
May 19, 2025
Rocklin, CA
Verified

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Awards

Scotsman Guide Award Scotsman Guide Award

Causes & Memberships

member of Guild Giving
NMLS ID #9779
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;