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Cindy Olvera

Senior Loan Officer

NMLS# 1028806

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.

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.

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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%.
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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.
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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.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

The rating and reviews below represent my top reviews. Read all customer reviews here.
4.88 out of 5.0 stars
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5.0
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4.7
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5.0
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5.0
Jessica B.
Oct 3, 2025
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It was such a pleasure to work with Cindy as out-of-state first time homebuyers. She was always so responsive, took time...See more
Jessica
Oct 3, 2025
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My husband and I are moving out-of-state as first time homebuyers and Cindy made this entire process so simple for us. S...See more
Terry
Sept 3, 2025
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Cindy and everyone at Guild were easy to work wth.
Dave M.
Aug 2, 2025
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Cindy was absolutely amazing to work with. Made our refinance easy and trouble-free! No snags, no mistakes just done ...See more
Mike L.
Aug 2, 2025
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Cindy is the ONLY mortgage persons I've worked with for the last 10 years. I refer all my friends to her when they ask i...See more
Gail Q.
Aug 2, 2025
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Cindy Olvera walked with me throughout the entire home buying process. She made the journey as painless as possible. I h...See more

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Awards

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Causes & Memberships

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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;

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