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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

About me

I'm Melissa Condensa, a seasoned Mortgage Loan Advisor with a track record in the financial services industry spanning over 20 years. My journey in the world of mortgages has been a rewarding one, and I'm here to make your homeownership dreams a reality.

My Approach:

Throughout my extensive career, I've gathered a wealth of skills and knowledge that I'm passionate about putting to work for you. Whether you're on the hunt for your first home, your dream home, or exploring refinancing options, I'm your go-to resource. I believe in finding solutions, and even if I can't personally fulfill your needs, I'm committed to connecting you with the right person who can.

Why Guild Mortgage Company?

At Guild Mortgage Company, we offer a diverse range of programs designed to cater to nearly every client's unique situation. If a suitable product doesn't exist within our offerings, rest assured, I'll go the extra mile to guide you to a solution.

My Philosophy:

Life is too short not to be helpful, and that's a principle I hold dear. I'm here to support you on your homeownership journey, providing guidance and expertise every step of the way.

Beyond Mortgages:

Outside of work, I cherish my role as a parent, raising twin boys alongside my husband of 19 years. In my downtime, I find joy in running, exploring new destinations through travel, and fostering a love for the arts.

Let's Connect:

I'm looking forward to getting to know you better and helping you achieve your homeownership goals. Feel free to reach out, and let's embark on this exciting journey together!

Click below for FAQs:

▶️ How much does a mortgage inquiry affect your credit?
▶️ How do I start the home buying process?
▶️ Who do I call first, lender or realtor?
▶️ Pre-qualified or Pre-approval?
▶️ Do I need to have credit pulled to get a mortgage?
▶️ Mortgage Score vs Credit Karma Score
▶️ What is PMI?
▶️ How long do I have to be on my job to buy a house?
▶️ Why do I need an inspection and appraisal? 
▶️ How long will it take to buy a home?
▶️ Do I need 20% for my down payment? No!

▶️ VA Loans = Zero Down Payment

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Meet my team

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I work closely with my team of specialists to get you the financing you need. See what each member brings to the team.

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.

Reverse mortgage loan

Reverse mortgage loan

If you’re retired or at least 62 years old and looking to purchase or refinance to make the most of your home investment, this may be a good option for you. A reverse mortgage allows you to use the equity in your home to supplement your retirement income.

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

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home equity insights

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Testimonials

Testimonials
4.96 out of 5.0 stars
5.0
5.0
4.94
4.94
Rolando R
Jun 22, 2025
Verified

I cannot recommend Mortgage Advantage highly enough. After dealing with another mortgage company I had already given up as the person handling my profile made some mistakes and was told 2 days before closing we wouldn't be able to close and was told I wouldn't be able to apply until next year or wait a few months I was heart broken, we had put so much money in already when I reached out to Melissa she helped us tremendously we ended up going with them she told me I could in fact still close on this property I couldn't believe it 2 weeks later boom we are home owners no words can explain how great full I am, don't think twice if you're looking for a mortgage company that is gonna listen to you and do everything in their power to help you please go with guild you most definitely won't regret it ☺️
Dan
Jun 21, 2025
Hillsboro, TX
Verified

Absolute professionalism and communication throughout the process! Could not have been any better! Thanks Melissa and your team.
Lori
Jun 19, 2025
Hillsboro, TX
Verified

Melissa was very prompt with her service, had great communication, and extremely helpfu.
Miguel
Jun 09, 2025
Plano, TX
Verified

Melissa was amazing in my first time buying a house! She was always available for questions and helped me through the process of applying for a loan. She very thoughtful in helping me understand the details of what to see in the steps it took to get started and the steps along the way to applying. She has some useful videos if you ever needed just a quick tip about any of the things need to help for a loan. I recommend reaching out to her if you ever want to get started looking into buying a house or asking general questions to help you get started.
JAN
Jun 09, 2025
Plano, TX
Verified

Melissa and her team did an excellent job. Outlining the process from the very beginning and communicating as milestones were met. It was a very smooth transaction and my client was very happy.
Elaine
Jun 09, 2025
Plano, TX
Verified

I was kept informed from contract to close as the process moved along. Thank you for that. I didn't have to reach out to get an update.

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Awards

Causes & Memberships

NMLS ID #1149324
I am authorized to do business in the states of California, Florida, Oklahoma and Texas. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act;