Kim Fernandez
Loan Officer
NMLS# 1901745
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
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
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
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.
Testimonials
(Translated by Google) It was excellent, everything was very easy, thanks for all the support 🙏🏼 (Original) Fue excelente todo muy fácil gracias por todo el apoyo 🙏🏼
Muchísimas gracias a todo el equipo de trabajo la verdad todos muy amables y siempre me trataron como de la familia y me hicieron sentir muy especial y siempre les agradezco por todo su ayuda muchas gracias y que Dios los bendiga siempre 🙏🏼 desde el día 1 asta el final dela entrega de la casa 🏠 fue una gran bendición encontrarlos en mi camino y ustedes me hicieron mi sueño realidad y a Dios 🙏🏼y nuevamente mil gracias 😊
Guild Mortgage has a very professional and experienced team! Making it a smooth process.
In this house buying process the best choice I made was to work with Guild Mortgage team. Kim Fernandez my loan officer made this loan very easy to understand and explained every question I had always looking for the best option I could possibly take giving me more than one option. She is professional and has a lot of knowledge breaking down the loan information making this process feel "simple" . I am so content and satisfied with this purchase. thank you all for all your hard work and making this possible for me. Guild Mortgage is the way to go !
Working with Kim Fernandez is always a great experience!
Guild mortgage made it easy for us to own our dream home with guild mortgage you will be in good hands
NMLS ID #1901745
I am authorized to do business in the states of California, Nevada, Tennessee, Texas and Washington. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; NV Mortgage Company #1141; 
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