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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

About me

I have been in the mortgage industry since 2002 years during which time I have helped hundreds of people into homes. My main goals are to help my clients successfully become home owners and to use my extensive loan product knowledge to help my real estate partners with their business.  

When not at work I'm spending time with my wife and four kids. My hobbies also include water sports and enjoying good food.

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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.

Bridge

Bridge

If you’ve found the perfect new home but still need to sell your current one*, moving up can be easier than you think. You can buy quickly and avoid worrying about a contingent sale. Our short-term bridge loan for the down payment helps you transition seamlessly without missing out on the right home for your family.

Lock and Shop

Lock and Shop

If you’re searching for your next home in a competitive market, you can lock your loan and start shopping. You don’t have to worry about rates rising because we’ve got you covered for 90 days. If rates go down, our one-time float down option provides the perfect solution. The rate is locked and secure, so you can search for a home you love.

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

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Testimonials

Testimonials
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Sam
Aug 31, 2023
Verified

We couldn’t have asked for a better person to help my wife and I navigate the mortgage process. Mike was recommended to us by our realtor, Jamie Eldrett of Ark Realty Group, and we were very happy with our experience. Mike was attentive to our budget and helped us feel comfortable with monthly mortgage payments at varying house prices to make sure we were well informed of the monthly impacts. He was very communicative throughout the process and was quick to give us estimated closing worksheets when we found houses we liked. On the house we purchased, the seller requested a quick closing of less than a month. Mike and his team at Guild went above and beyond to make sure we hit deadlines to ensure a quick and easy close. We would highly recommend Mike to anybody searching for a home and mortgage lending, he goes above and beyond to make you feel comfortable with the process!
Drew
Aug 25, 2022
Verified

Mike and his team made the loan process so easy. Not only did they have competitive rates but also were very transparent up front with the total cost of the loan so there were no surprises. Another reason we went with Mike and Guild was because we knew our Loan wouldn't be sold off right away like our previous house loan was with another company. That was important to us because Mike and his team make you feel like you're more than just another transaction. They take care of you before during and after buying the house. Highly recommend working with Mike!
Kara
Aug 25, 2022
Verified

Mike was instrumental in helping us present a strong offer in this crazy market. Without his creativity and extensive knowledge of all loan options available we wouldn't have been able to get our offer accepted on our new home. Mike is knowledgeable responsive and thinks outside the box. I highly recommend him and his team to anyone who wants a boutique mortgage experience where you're more than a set of numbers on a paper. He's truly the best!
Greg C
Nov 13, 2024
Verified

Mike provided fantastic service while financing our new home. Mike and his team answered all of our questions thoroughly and thoughtfully, returned our calls quickly, and offered a variety of solutions to fit our unique situation. I recommend anyone looking to finance a home reach out to Mike to get his expert analysis of the current market and available programs that could support your goals. Additionally, Mike and Guild Mortgage look to build relationships that will continue past the current transaction, and I am sure the Guild team will be ready to help with any financing we may need in the future.
Thomas B
Sep 30, 2024
Verified

Mike Houghton was great to work with for the purchase of our property. He prepared multiple statements for us, and made the entire process very smooth. Also, he was great to communicate with. He was very responsive to email and phone calls, and he worked hard on keeping us on track with requests for information. He was a real pleasure to work with. Highly recommend him.
Dianne P
Aug 06, 2024
Verified

Mike was very helpful in selling my home. It took a while to get my house ready after 34 years in the house, but Mike was very patient. He made the sale a smooth process and answered all my questions. I would highly recommend him!

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Awards

Causes I'm
passionate about

member of Guild Giving
NMLS ID #291980
I am authorized to do business in the states of California, Oregon and Washington. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; OR ML-176;