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Your Reliable Texas Bilingual Loan Officer

Select from hundreds of loan products tailored to your needs

About me

With over 32 years of experience, I am well-equipped to guide you through the entire home-buying process. Whether you’re searching for your first home, a second home, or an investment property, I am here to make your journey as smooth as possible.
Born and raised in Laredo, I have called San Antonio my home for over 25 years. I am fluent in both English and Spanish. My extensive background in processing, underwriting, operations, compliance, and closing has given me the knowledge to assist buyers effectively. It has been an honor to help hundreds of families take the life-changing step toward homeownership, and I would be delighted to help you achieve your homeownership goals.

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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.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

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

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Testimonials

Testimonials
4.99 out of 5.0 stars
5.0
5.0
5.0
Monica
Jan 13, 2025
San Antonio, TX
Verified

chuck was fantastic!
Isabel
Dec 23, 2024
San Antonio, TX
Verified

Provided great help especially being a first time home buyer,
Destiny G
Dec 31, 2024
Verified

As a first time home buyer I didn't know what to expect and after a couple months of searching, I was referred to Chuck with Guild Mortgage which led me to purchasing my first home. Chuck was so helpful and definitely gave me the confidence to pursue one of my dreams! He was constantly looking for the best path for me to take in home buying. Thanks so much for your support Chuck!!
Destiny
Dec 23, 2024
San Marcos, TX
Verified

As a first time home buyer I didn't know what to expect and after a couple months of searching I was referred to Chuck with Guild Mortgage which led me to purchasing my first home. Chuck was so helpful and definitely gave me the confidence to pursue one of my dreams!
Zackery S
Apr 04, 2024
Verified

Chuck Espinoza is one of San Antonio's Best Home Loan Mortgage Officers cares deeply about his clients and service.
Rosa
Feb 22, 2024
Verified

Mr. Espinoza was very professional and very knowledgeable and worked very quickly at getting me this loan he was very prompt answering my phone calls and emails I highly recommended Mr. Espinoza.

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Awards

Causes & Memberships

member of Guild Giving
NMLS ID #1153841
I am authorized to do business in the state of Texas.