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About me

Hi, I’m Oliver Flores—Senior Loan Officer and proud Californian by way of the Philippines. Since 1987, I’ve been helping families build housing wealth through smart, personalized mortgage solutions.Read more

Hi, I’m Oliver Flores—Senior Loan Officer and proud Californian by way of the Philippines. Since 1987, I’ve been helping families build housing wealth through smart, personalized mortgage solutions.

Whether you're a first-time buyer navigating your first home purchase or a retiree exploring reverse mortgage options, I’m here to guide you with empathy, clarity, and a deep commitment to your financial well-being.

I specialize in:

First-time homebuyer support: Making the process simple, stress-free, and empowering.
Reverse mortgages: Helping retirees unlock home equity while preserving their lifestyle and legacy.
Beyond the numbers, I’m a family man, a community volunteer at Saint Edwards Church, and a fan of biking, boxing, and restoring my classic Mustang.

Let’s Build Your Path to Housing Wealth
Your home journey deserves more than just a transaction—it deserves a trusted partner. Let’s schedule a free consultation today and map out a strategy that fits your goals, lifestyle, and future.

Awards

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Causes and Memberships

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Testimonials

4.96 (81 reviews)
Experience logo
5.0
Google logo
5.0
Third party logo
5.0
As a real estate agent, I truly value working with loan professionals who are committed to delivering exceptional customer service and collaborating effectively to ensure a successful transaction. Your professionalism, expertise, and consistent communication gave both our clients and our team confidence throughout the entire process. Your dedication and commitment played a significant role in achieving a smooth and successful closing.
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Jessie

Aug 5, 2026

Union City, CA

He is very pleasant and considerate to deal with besides being knowledgeable.
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Virgilio

Apr 28, 2026

Benicia, CA

Ready to get started?

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

Office Hours

Monday - Friday

Saturday

Sunday

8:30AM - 5:00PM

Closed

Closed

Monday - Friday

8:30AM - 5:00PM

Saturday

Closed

Sunday

Closed

NMLS ID #234864

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;

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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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