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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

About me

Cindy Olvera is a seasoned Sr. Mortgage Loan Originator with over 30 years of experience in the industry. She brings unmatched expertise and heart to every transaction. Her in-depth knowledge of mortgage operations gained through years of hands-on experience across various departments makes her a trusted resource for both clients and colleagues. Licensed in 14 states, Cindy takes pride in serving the Military, Law Enforcement, and First Responders, helping them navigate the home financing process with clarity and care. She also plays a key role in mentoring new Loan Officers, ensuring they feel supported and prepared from day one. Whether you're buying your first home or expanding your team. Cindy’s not just a loan expert—she’s a mentor, a guide, and a steady hand in an ever-changing market. Cindy is ready to help you move forward with confidence.

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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
5.0
4.89
5.0
Bradley
Jul 24, 2025
Nekoosa, WI
Verified

Cindy was great and kept me up to date on the process and what was needed from me.
jeff p
Jul 13, 2025
Verified

I had a fantastic experience working with Cindy Olvera at Guild Mortgage. As a first-time homebuyer, I had a lot of questions and uncertainty, but Cindy made the entire loan and homebuying process so much easier to understand. She was incredibly helpful, patient, and always took the time to explain every step clearly. What stood out the most was how approachable and responsive she was—whether by text, email, or phone, Cindy was always there to answer questions and provide guidance. Her professionalism and friendly nature made the whole experience smooth and stress-free. I highly recommend Cindy to anyone looking to buy a home and in need of a knowledgeable, supportive mortgage loan officer!
Nithya
Jul 12, 2025
Chatham, IL
Verified

We had a great experience working with Cindy Olvera during our home loan process. She was professional, responsive and made everything easy to understand.From start to finish, she kept us informed and guided us through each step with patience and clarity. Thanks to her support, the entire process was smooth and stress-free. I highly recommend her to anyone looking for a reliable and knowledgeable lender.
Kathryn
Jun 28, 2025
Burlington, WI
Verified

The whole team is amazing. I have been working with Steve Vels for years. He is my go-to. A note about Cindy. She is without a doubt the most knowledgeable, organized, efficient person that I have ever worked with on a mortgage. And...her personality makes you feel like you're a neighbor. She is never frazzled, never inconvenienced, and seemlessly handled every detail. Start to finish process in 24 days with no grief. Great job Team.
Gary
Jun 28, 2025
Jonesborough, TN
Verified

Cindy kept us informed with timely communication along eith providing all the details.
Allison
Jun 28, 2025
Jonesborough, TN
Verified

Cindy andher team were great to work with throughout the process. Correspondence and always willing to answer our questions and confirmation of receiving docs.

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Awards

Causes & Memberships

member of Guild Giving
NMLS ID #1028806
I am authorized to do business in the states of Arizona, Colorado, Florida, Illinois, Indiana, Kentucky, Michigan, Ohio, Oregon, South Carolina, Tennessee, Texas, Washington and Wisconsin. AZ BK#0018883; AZ BKBR# 1048365; AZ LO Lic.# 0942342; (www.nmlsconsumeraccess.org/); OR ML-176;