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Melissa Condensa

Branch Manager

5601 Democracy Drive, Suite 120, Plano, TX 75024
Own what matters

About Me

I am an experienced Mortgage Loan Originator with a demonstrated history of working in the financial services industry. With over 18 years of experience doing mortgages, I use the skills and knowledge I've gained to help people looking to purchase or refinance a home. Guild Mortgage Company allows me to provide programs that can help almost any client, and if I don't have a product, I will help you find another person who can help. I believe in finding a solution, even if that solution can't be fulfilled by me. Life is too short not to be helpful! So, whether you are purchasing your first home, your dream home, or needing a refinance, I am here to help to find the best product for you.

Outside work I enjoy raising my twin boys with my husband of 19 years. I enjoy running, travelling, and supporting the arts. Looking forward to getting to know you!

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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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.

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4.96 out of 5.0 stars
May 22, 2023

Melissa is extremely knowledgeable and does an excellent job of communicating with all parties.
Diana I
Jan 01, 1970

Melissa is an expert and is able to explain details so it’s easy to understand. She’s terrific!
May 15, 2023

It was a pleasure working with you. I will keep you in mind for my next buyer
Heather P
Jan 01, 1970

Melissa and her team were excellent and thorough. I purchased my first home with her and she took her time with answering all of my questions. Her professionalism and ability to quickly expedite the mortgage process was top tier. I would definitely recommend and plan to use them again in the future.
Apr 24, 2023

Outstanding, met all my needs with the best rate.
Apr 17, 2023

I recently closed a real estate deal with Melissa Condensa and her team at Guild Mortgage. Melissa is very knowledgeable and always professional. She and her team have a good system and they did a great job staying in touch and following up throughout the process. My buyer-clients and I were very pleased with the experience.

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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;

Attn: Texas Applicants:
Consumers wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the Department’s website at A toll-free consumer hotline is available at 1-877-276-5550.

The Department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the Department prior to the payment of a claim. For more information about the recovery fund, please consult the Department’s website at