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Oliver Flores

Oliver Flores

Senior Loan Officer

2815 Mitchell Dr ., Suite 112, Walnut Creek, CA 94598
Own what matters
Own what matters

About Me

Hello! I hope we will have an opportunity to work together.  I have been a Californian since 1987, immigrating from the Philippines. I have been in the mortgage lending industry for about twenty years.  Experience has taught me that not everyone may have the same path to home ownership, but the same destination: housing wealth.  I have helped families from all walks of life.  Families with moderate income, fair credit, no down payment funds; most of what they have is their determination to own their first home.  For first-time home buyers my job goes beyond simply rates; it is setting you up for success on your goals, budget, the right program, and monitoring and managing your equity.

“Passion is the energy that comes from bringing more of YOU into what you do.” (Anonymous) A few years back I met a senior couple looking to lower their monthly payment because their social security income was just not enough to have the quality of life they had hoped for.  It was during this process that it became my mission and now my passion to help our seniors in housing wealth management matters.  Retirement is a long road with many concerns to navigate in order to have a successful retirement.  Let’s have a conversation with your financial advisor on how a HECM can help manage longevity risk, Inflation risk, excess withdrawal risk, and sequence of return risk.  A HECM is not for everyone, however, it is worth knowing and understanding how it plays a part in your housing wealth management.  My passion is to educate seniors and their children about reverse mortgage usages and strategies.

Outside of work I love spending time with my wonderful wife and two boys.  You may find me hitting the bike trails, boxing at the gym, restoring my 1971 Mustang, or just helping with Saint Edwards church activities. 

“A journey of a thousand miles starts with a single step.” (Chinese proverb) Let me help you on your first step towards your path to housing wealth. Salamat.

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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.



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.


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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5.0 out of 5.0 stars
Jan 16, 2024

As soon as we went into contract, Oliver had great communication with the team and moved very quickly.
Dec 07, 2023

Oliver and his team did a great job at helping us navigate the process of buying our first home. They really took the stress out of the whole process and did a really good job at walking us through the entire process. As first time buyers, that level of transparency and communication was invaluable. I would highly recommend Oliver and his team to anyone looking to buy a home. 10/10.
Apr 29, 2022

The day I first spoke with Oliver Flores he had everything under control. I felt very confident working with him as a buyer for the home I wanted. His knowledge and expertise made the buyer experience easy to follow. He also reassured me that even though the process was lengthy, it will be completed without delay. I highly recommend Oliver Flores to work with anyone needing loan assistance for purchasing a home. In fact, I will be contacting him for a possible refinance in my future.
Oct 27, 2021

Excellent and friendly loan officer!! Highly recommend!! Thank you for helping us with our challenging situation and making our forever home a reality!! Truly appreciated!!
Aug 07, 2021

We are very happy with our experience with Guild Mortgage. Mr Oliver Flores ( Guild Mortgage Loan Officer ) was very professional, knowledgeable and effective. He handled our unique situation with so much patience, gave us smart advise and assisted us with our loan from start to finish. We will definitely recommend him to our friends and family who in the future might be interested in applying for loans.
May 29, 2021

I've know Mr. Oliver Flores since 2015. He was also my loan officer when I got my condominium in Union City. He was recommended by my realtor. Mr. Flores guided me every step of the process and gives me update. Worked well within my budget which is very important to me. If ever I'm going to have a property in the near future, I will not have a second thought of getting Mr. Flores. I would really highly recommend him to my friends. Thank you Mr. Flores for the job well done! We had some bumps along the way close to our closing which you can't control but it was a smooth sailing afterwards. Mr. Flores is an asset to your company. Thanks again for the wonderful experience.

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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;