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Arcelia Loera

Arcelia Loera

Loan Officer

5660 E. Franklin Rd., Suite 201, Nampa, ID 83687
Own what matters
Own what matters

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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4.86 out of 5.0 stars
Jul 05, 2023

Arcelia is my preferred lender. If my clients don't already have someone they use, Arcelia will always be my lender that I refer to my clients. She's AMAZING!!!
Aug 25, 2022

My dad was having issues with getting answers regarding his loan through Guild Mortgage. I reached out to Arcelia who contacted my dad and was able to guide him in the right direction and address all of his concerns. A+ customer service!!!!
Apr 19, 2022

Will certainly recommend your services to anyone that's in need of a mortgage . She is highly responsive knowledgeable and professional.
Apr 04, 2022

Thank you!! You made the process smooth.
Mar 15, 2022

Estoi muy contento por cómo me ayudo a comprar mi casa y siempre Boi a estar agradecido con ella por su gran trabajo que iso es una persona muy profesional .
Mar 03, 2022

Aricelia was amazing! She answered all my questions! And was reasonably responsive!

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NMLS ID #121148
I am authorized to do business in the states of Idaho and Oregon. OR ML-176;