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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

About me

As a professional in the Real Estate and Banking industries since 2004, I am passionate about helping everyone realize their homeownership dreams. It is my goal to guide all of my clients and their families with the utmost care and communication throughout the largest purchases and investment decisions one can make within a lifetime. I want to be your lifelong trusted advisor for all of your home financing needs.
I pride myself on making sure my clients do not have any unanswered questions. Taking time to discuss all options and goals that each individual has up-front and throughout the entire process, is imperative to ensuring their home loan process is efficient and successful. I especially enjoy guiding first-time homebuyers achieve their homeownership goals by educating them on all options available. 
I'm just a phone call away and never too busy to help!! Se hablo Español.

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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
4.93 out of 5.0 stars
4.87
5.0
Dina B
Feb 18, 2025
Verified

I highly recommend Bianca Velasco as a loan officer. She responded quickly when I needed to switch loan companies mid-contract and made sure that all of my underwriting was completed thoroughly. She had the team lined up for me and helped me understand my options when I was overwhelmed with information. She is a great team member in the home buying process!
Dina
Feb 18, 2025
Sacramento, CA
Verified

The Guild team was responsive and easy to work with. The underwriting was completed quickly and the team had me ready to go jnto into contract and close in a short window, which allowed me to have my offer accepte. I appreciate the entire team!
Jessica D
Feb 18, 2025
Verified

I recently worked with Bianca on a transaction that was on the verge of falling apart, and she absolutely saved the day. She answered my call immediately, jumped in without hesitation, and worked quickly to find a solution. Thanks to her expertise and dedication, our first-time homebuyer was able to close on her very first home. I can’t recommend Bianca enough. She’s a true professional who gets things done!
Peter S
Feb 13, 2025
Verified

Bianca Velasco is very easy to work with and knows how to get you a lower rate. For us to be a first time homebuyer, we were expecting a stressful process per the comments/article we read online. But guess what? Bianca made it so easy for us that we didn’t even do that much after we submitted our documents. Loan approval was so quick too. KUDOS to the team and keep up the excellent job!
Crystal
Feb 03, 2025
Vallejo, CA
Verified

Bianca, is a great lender. I appreciate the time she takes to educate buyers as well as her attention to detail.
Jesus
Dec 02, 2024
Stockton, CA
Verified

Very confident and fast team members

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Awards

Causes & Memberships

member of Guild Giving
NMLS ID #921674
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;