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Helen Bernatek

Helen Bernatek

Branch Manager

18503 Sigma Road, Suite 151, San Antonio, TX 78258
Own what matters
Own what matters

About Me

Helen Bernatek started “Helen's Money Team” more than 20 years ago and has always enjoyed working with repeat clients as well as new ones!  She and her mortgage partner, Cassadie Jobe, love assisting home-buyers and watching their dreams come true!

Cassadie and Helen often brainstorm about the mortgages they're working on to make sure all details are covered and every client is provided the best experience possible.

Helen says Cassadie “keeps her young and on-her-toes” and Cassadie appreciates Helen's years of experience with every type of loan scenario!

Helen’s Money Team has offices in Central Texas and West Texas, making us well-versed on all loan programs in the states of Texas and Arizona.  We love people and take pride in giving every customer our personal touch to make their home-buying experience simple and fun!

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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.



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%.
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.



If you’re an active member of the military or a veteran, a VA loan can help you save money with no down payment and lower closing costs. VA loans also have lower interest rates, meaning you’ll save money over the life of your loan. A VA loan is a program created and guaranteed by the Department of Veterans Affairs (VA) specifically for eligible military veterans, service members and their spouses.

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

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5.0 out of 5.0 stars
Apr 08, 2024

As a first-time home buyer, my realtor recommended Guild Mortgage, and I had an excellent experience with them. Helen gave me helpful advice from the start of the loan application process. She helped me stay within my monthly mortgage budget as well as with closing costs. Rosemary, who was my primary point of contact, took care of gathering all the necessary paperwork and responded to any of my questions. The team was always friendly, comforting, and happy for me. Their consistent communication throughout the process reduced the stress of buying a home. They are an excellent team to work with, and I cannot say enough positive things about them. Here's a little tip to speed up the process and reduce stress: scan your documents and have them readily available in case they are needed. Good luck!! Thank you Guild Mortgage
Oct 18, 2023

Helen's team worked so hard for us. Walking us through the process every step of the way, ensuring we understood and answering ever question I had along the way. She found the best matches for our family situation and my comfort levels. With her it was such a smooth efficient process.
Matt K
Sep 14, 2023

Top Notch Professionals! As a Veteran retiring and caught in the "grey area" where projected income and disability benefits may not be not be to satisfy other lender requirements.....Helen Bernatek and her Money Team was able to accomplish an approved VA loan where 3 other lenders were unable to do. The communication with Helen and her team was daily and it was not uncommon to speak with Helen or teammate Rosemary numerous times a day...providing updates and transparency on the process. I honesty believe the loan was approved in record time and was accomplished with the leverage of Guild Mortgage and with Helen at the helm...directing her team to provide the best service and cost savings to a retiring veteran. Thank you Guild Mortgage, Helen, Rosemary, and Money Team for not giving up and securing a loan for the awesome home that I am about to close on. Give Helen and her Money Team at Guild Mortgage a chance to use their experience and networking to secure a loan for you.
Aug 21, 2023

Very caring, professional, and communicative! So thankful for our new house. They fought for us when we didn’t think there was a way!
Aug 11, 2023

Thank you! Will use you again.
Gregory C
Aug 08, 2023

Excellent, 5-star service! Helen is extremely responsive and works hard to secure you the best "overall" VA mortgage. Her team/teammates are all-in to ensure you close on time and exceed all of your expectations.

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NMLS ID #273874
I am authorized to do business in the state of Texas.