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Select from hundreds of loan products tailored to your needs

Zoran Ponjevic

Zoran Ponjevic

Branch Manager

4643 Gravois Ave, St Louis, MO 63116
Own what matters
Own what matters

About Me

As a Guild Mortgage Loan Officer, I am committed to helping my clients understand their options for real estate financing and assisting them to make solid home loan decisions that meet their needs. Finding a loan on your own can be a confusing process, so I’m here to help you identify the home loan options that are right for your situation. 

I look forward to serving your home financing needs for many years. My goal is to be your "lender for life."

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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
5.0 out of 5.0 stars
5.0
Vlad L
Feb 13, 2024
Verified

Zoran and Sanela are a dream team. If you need help with your mortgage you got to see them. The best professionals out there. They so supportive and will answer any questions you have. Such a helpful team and amazing experience of getting a loan thru them. The team is outstanding! I will not be thinking twice next time I am on the market for a new home, I will go directly to them!
Nino P
Jan 20, 2024
Verified

Zoran and Sanela are professional, prompt, and extremely easy to work with. They made our first-time homebuying experience stress-free and were available to answer all of our questions and guide us through the process from start to finish. We wholeheartedly recommend them!
Sally H
Jan 20, 2024
Verified

Best #1. Thanks for the cooperation from ❤️
Adis G
Jan 09, 2024
Verified

This our second experience with Zoran and Sanela and they were very professional and trustworthy. The new experience was incredible. Our whole loan was completed remotely and that alone speaks how great and professional their team is. Through the whole process, they were very responsive and answered every one of our questions in a very timely and response manner. If you need someone that can bring a personal experience and trust through your loan journey, this team brings it all. Thank you once again.
Enid A
Jan 08, 2024
Verified

I had awesome experience with Zoran and Sanela, they are the best , i will always work with them
Khalid N
Jan 08, 2024
Verified

Excellent team, excellent service, thanks to Zoran and his team

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Awards

awards

Causes I'm
passionate about

causes
NMLS ID #265378
I am authorized to do business in the states of Illinois, Kansas and Missouri. (www.nmlsconsumeraccess.org);