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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
Steve
Aug 29, 2025
Dallas, TX
Verified

Melissa, was fabulous to work with. Everything from communication to an early Clear to Close. I have already referred another client to her and we are on our way to another smooth transaction. Steve Century21 Judge Fite co.
Travis
Aug 26, 2025
Midland, TX
Verified

Melissa was fantastic. I will return to her when I need to refinance.
Suzanne
Aug 26, 2025
Little Elm, TX
Verified

I highly recommend Melissa Condensa and her team to my clients! Melissa is very knowledgeable and has a friendly demeanor so working with her is always so easy! She responds to all inquiries and has helped my clients understand the loan process as well as all their options so that they can realize the dream of homeownership!
Odile G
Aug 25, 2025
Verified

Great experience! They listened to my request and help us get to the finish line.
Lisa D
Aug 22, 2025
Verified

Melissa and her team kept me updated every step of the way, quickly informing me of everything they were doing. They stayed on top of the work and even completed all tasks ahead of schedule. I’d recommend them to anyone—they’re absolutely top-notch!
Travis
Aug 09, 2025
McKinney, TX
Verified

They were very timely with everything and were able to answer my questions at all times. Melissa did a great job explaining the loan process and making sure my wife and I understood it all throughout this process as first time home buyers.

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Awards

Scotsman Guide Award Scotsman Guide Award

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;