Contact Me

Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

Emma Guzman

Emma Guzman

Loan Officer

5370 Kietzke Ln., Suite 101 & 103, Reno, NV 89511
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. My "Find a Loan" section of this website can be used to find information and resources on our home loan options. I look forward to serving your home financing needs for many years. My goal is to be your "lender for life".

Read Blog

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.

Your home loan insights

Already a homeowner?
Find out what your home is worth and see how your equity can work for you.

Get your home estimate

X

Testimonials

Testimonials
4.99 out of 5.0 stars
5.0
4.8
5.0
Antonio
Feb 28, 2024
Verified

This is my third transaction with Emma. Working with Emma was amazing! She was super quick and always there to answer my questions. I never had to wait long to hear back from her. Plus, she made everything easy and moved things along fast. I'd definitely recommend her as a loan officer.
Anthony B
Feb 27, 2024
Verified

I recently had the pleasure of working with Emma Guzman at Guild Mortgage for our home loan, and I am compelled to share my extraordinary experience. Emma is not just a loan officer; she is a dedicated professional who goes above and beyond in every aspect of the mortgage process. This isn't our first time working with Emma; she has been our go-to for past home purchases, and each time, she impresses us with her passion, knowledge, and unwavering commitment to finding the perfect mortgage solution that fits our needs. What sets Emma apart is her unique approach to customer service. She leads with compassion, understanding that purchasing a home is not just a financial transaction, but a journey towards achieving a dream. Emma is always open to change, adapting quickly to any new changes or situations that arise during the process. Her ability to navigate the complexities of lending with such grace and professionalism is truly commendable. I also want to extend my praise to the entire staff at Guild Mortgage. The teamwork and efficiency displayed by everyone involved were instrumental in ensuring a quick and seamless closing. The culture at Guild Mortgage is centered around customer satisfaction and service excellence. If you're seeking a mortgage, I wholeheartedly recommend Emma Guzman and the Guild Mortgage team. Their unparalleled dedication, expertise, and care for clients make them the standout choice. A huge thank you to Emma and everyone at Guild Mortgage for a phenomenal home-buying experience.
Anthony B
Feb 27, 2024
Verified

I recently had the pleasure of working with Emma Guzman at Guild Mortgage for our home loan, and I am compelled to share my extraordinary experience. Emma is not just a loan officer; she is a dedicated professional who goes above and beyond in every aspect of the mortgage process. This isn't our first time working with Emma; she has been our go-to for past home purchases, and each time, she impresses us with her passion, knowledge, and unwavering commitment to finding the perfect mortgage solution that fits our needs. What sets Emma apart is her unique approach to customer service. She leads with compassion, understanding that purchasing a home is not just a financial transaction, but a journey towards achieving a dream. Emma is always open to change, adapting quickly to any new changes or situations that arise during the process. Her ability to navigate the complexities of lending with such grace and professionalism is truly commendable. I also want to extend my praise to the entire staff at Guild Mortgage. The teamwork and efficiency displayed by everyone involved were instrumental in ensuring a quick and seamless closing. It's evident that the culture at Guild Mortgage is centered around customer satisfaction and excellence in service. If you're seeking a mortgage, I wholeheartedly recommend Emma Guzman and the Guild Mortgage team. Their unparalleled dedication, expertise, and care for clients make them the standout choice. A huge thank you to Emma and everyone at Guild Mortgage for a phenomenal home buying experience.
Bigrick C
Feb 04, 2024
Verified

Very professional staff went above and beyond kept me informed every step of the way would highly recommended Emma and Breanna Borja and the rest of the staff !!
Gerardo G
Sep 22, 2023
Verified

(Translated by Google) Ema Guzman and her team have done so much for my family and I don't know how to thank them enough. We had been renting for 10-11 years and we never had any problems with our neighbors or our landlord, however in the last 3 years that we had been living in our last house things were getting uncomfortable between us and the landlord, it seemed like he was trying to find an excuse to kick us out. A couple of months went by and as expected he told us that we had two months to leave that house, his excuses were that he was going to sell the house. We tried to look for other places to rent but the prices were to high and we were running out of time. By the time we contacted Ema we only had one month left before giving the keys to the house to our landlord. In just one month Ema Guzman and Vanessa Prada work literally day and night to find a new home for my family and I. no matter how many houses we got rejected on, they never gave up hope and they never stopped giving 100% in on us . Thanks to them I am blessed to say that my family has a roof over our heads and a place that we can finally call home. It has been a year and still to this day it seems unreal that we have a home and it's all thanks to the amount of work that Ema, Vanessa and their team did for us. We will forever be thankful to them and will always recommend them to anyone who is trying to buy a house. Thank you Ema and Vanessa for the endless work and dedication that you provided for my family and I. Sincerely, The Guerrero Family. Ema Guzmán and her team have done so much for my family and me that I don't know how to thank them enough. We had been renting for 10-11 years and never had any problems with our neighbors or our landlord, however in the last 3 years that we had been living in our last house things were getting awkward between us and the landlord, it seemed like it was trying to find an excuse to kick us out. A couple of months passed and as expected he told us that we had two months to leave that house, his excuse was that he was going to sell the house. We tried to look for other places to rent but the prices were too high and we were running out of time. When we contacted Ema we only had one month left before handing over the keys to the house to our landlord. In just one month, Ema Guzmán and Vanessa Prada are working literally day and night to find a new home for my family and me. No matter how many houses rejected us, they never lost hope and never stopped giving us 100%. Thanks to them I am blessed to be able to say that my family has a roof over our heads and a place we can finally call home. A year has passed and to this day it seems unreal that we have a home and it is all thanks to the amount of work that Ema, Vanessa and their team did for us. We will always be grateful to them and will always recommend them to anyone trying to buy a home. Thank you Ema and Vanessa for the endless work and dedication you gave to my family and me. Sincerely, The Guerrero Family. (Original) Ema Guzman and her team have done so much for my family and I that I don't know how to thank them enough. We had been renting for 10-11 years and we never had any problems with our neighbors or our landlord, however in the last 3 years that we had been living in our last house things were getting uncomfortable between us and the landlord, it seemed like he was trying to find an excuse to kick us out. A couple of months went by and as expected he told us that we had two months to leave that house, his excuses was that he was going to sell the house. We tried to look for other places to rent but the prices were to high and we were running out of time. By the time we contacted Ema we only had one month left before giving the keys to the house to our landlord. In just one month Ema Guzman and Vanessa Prada work literally day and night to find a new home for my family and I. no matter how many houses we got rejected on, they never gave up hope and they never stopped giving 100% in on us. Thanks to them I am blessed to say that my family has a roof over our heads and a place that we can finally call home. It has been a year and still to this day it seems unreal that we have a home and it's all thanks to the amount of work that Ema, Vanessa and their team did for us. We will for ever be thankful to them and will always recommend them to anyone that is trying to buy a house. Thank you Ema and Vanessa for the endless work and dedication that you provided for my family and I. Sincerely, The Guerrero Family. Ema Guzmán y su equipo han hecho tanto por mi familia y por mí que no sé cómo agradecerles lo suficiente. Habíamos estado alquilando por 10-11 años y nunca tuvimos ningún problema con nuestros vecinos o nuestro arrendador, sin embargo en los últimos 3 años que habíamos estado viviendo en nuestra última casa las cosas se estaban poniendo incómodas entre nosotros y el arrendador, parecía que Estaba tratando de encontrar una excusa para echarnos. Pasaron un par de meses y como era de esperar nos dijo que teníamos dos meses para dejar esa casa, su excusa fue que iba a vender la casa. Intentamos buscar otros lugares para alquilar pero los precios eran demasiado altos y se nos acababa el tiempo. Cuando contactamos a Ema sólo nos quedaba un mes antes de entregarle las llaves de la casa a nuestro arrendador. En solo un mes, Ema Guzmán y Vanessa Prada trabajan literalmente día y noche para encontrar un nuevo hogar para mi familia y para mí. No importo cuántas casas nos rechazaron, nunca perdieron la esperanza y nunca dejaron de darnos el 100%. Gracias a ellas tengo la bendición de poder decir que mi familia tiene un techo sobre nuestras cabezas y un lugar al que finalmente podemos llamar hogar. Ha pasado un año y hasta el día de hoy parece irreal que tengamos un hogar y todo es gracias a la cantidad de trabajo que Ema, Vanessa y su equipo hicieron por nosotros. Siempre les estaremos agradecidos y siempre las recomendaremos a cualquiera que esté intentando comprar una casa. Gracias Ema y Vanessa por el interminable trabajo y dedicación que brindaron a mi familia y a mí. Atentamente, La Familia Guerrero.
Veronica
Aug 29, 2023
Verified

Emma went above and beyond for our buyer!. Thanks for all your help!

Video gallery

View More

Awards

awards

Causes I'm
passionate about

causes
NMLS ID #1377751
I am authorized to do business in the state of Nevada. NV Mortgage Company #1141;