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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

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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Testimonials

Testimonials
4.95 out of 5.0 stars
5.0
5.0
4.92
4.93
Scott P
Oct 05, 2024
Verified

Melissa is such an amazing lady and true professional. The attention to detail and the fluid communication creates the confidence and peace that you hope to have in this experience.
Jerry
Sep 30, 2024
Verified

Overall the process was quite seamless and went as expected.
tania e
Sep 27, 2024
Verified

Great experience with Melissa and the team at Guild Mortgage Company. We will definitely be recommending them to people in need of their services. They made the entire experience go smoothly.
Tania
Sep 23, 2024
Verified

Melissa and the entire team were very supportive and very knowledgeable during the whole process. They made purchasing our home a pleasant experience!! We would definitely recommend them to anyone in need of their services.
Walter A
Sep 24, 2024
Verified

Guild Mortgage is one of the most professional and customer service oriented mortgage company I have worked with. Melissa was a great loan officer, easy to speak with, always willing to explain to us the process. She made the loan process easy and pain free. I highly recommend Guild Mortgage and Melissa Condensa as your loan officer.
Walter
Sep 23, 2024
Verified

We had a great experience because of the service Melissa and the team provided.

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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;