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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
4.92 out of 5.0 stars
4.84
5.0
Daisy
Sep 30, 2024
Verified

Our experience working with Bianca Velasco was amazing. This was our first time buying a home, and we had a lot of questions. Bianca is very knowledgeable, and we felt like we were in good hands. She and her team worked diligently to make sure that everything ran smoothly for the purchase of our home. We really appreciate the hard work and attention from her and her team, and would highly recommend Bianca Velasco and Guild Mortgage to our friends and family.
charlene a
Sep 16, 2024
Verified

My experience with Bianca was excellent!! She was thorough, flexible with my work schedule, and informative, and intelligent. Thank you again!!
Charlene
Sep 16, 2024
Verified

Bianca was compassionate, empathetic, and understanding of our real estate needs and wants. She’s an asset and I would def use her again!
Jeff
Jul 22, 2024
Verified

We always felt as though we were moving in the right direction.
Nick
Jul 15, 2024
Verified

Great communication
Daniel
Jul 22, 2024
Verified

Bianca was very helpful is explaining things and was very available for our questions. We also appreciate her eagerness to help us and how to further advise for future plans

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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;