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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

About me

Ivan Rizo Viveros, originally from Veracruz, Mexico, embarked on his journey to the United States in 2000, in pursuit of new opportunities. Since 2013, he's been immersed in the financial services industry, gaining valuable experience in insurance and financial planning, holding roles in two different Fortune 500 companies. Now, as a Mortgage Loan Officer, Ivan leverages his diverse background to better serve the Latino community in achieving their homeownership goals. Off the clock, Ivan finds joy in soccer, cycling, camping, and spending time with his family. His journey is marked by perseverance and grit, believing that every challenge is an opportunity for growth and self-improvement. 

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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
4.97 out of 5.0 stars
4.84
5.0
Marcos
Jul 04, 2025
Shoreline, WA
Verified

Working with Ivan and Guild was the best desicion that we could have taken. The team helped us during the whole process and made it feel super easy, they were always there for us ensuring that our process was completed successfully and in time
Isabel
Jul 04, 2025
Shoreline, WA
Verified

I love working with Ivan and his team on my real estate transactions. He has excellent communication skills and always keeps me updated throughout the process. He's incredibly helpful with my clients, making sure everything is completed on time. I truly appreciate his reliability and support!
Christian
Jun 24, 2025
Bonney Lake, WA
Verified

Ivan was very supportive during the entire process and always willing to negotiate better terms.
Ruta
Jun 24, 2025
Bonney Lake, WA
Verified

Timely updates , closing sooner than expected !
Amye V
May 28, 2025
Verified

I cannot say enough good things about Ivan at Guild Mortgage! As a first-time homebuyer, l was naturally nervous about the process, but Ivan made everything incredibly smooth and stress-free. From the very beginning, his communication was outstanding. He kept me informed at every step, answered all my questions promptly no matter how big or small, and provided clear explanations of what to expect. Ivan and his team were patient and attentive, truly listening to what I wanted in a home. They worked tirelessly to find properties that fit my needs and guided me through each showing with expertise and honesty. When it came time to negotiate, his professionalism and knowledge were invaluable. Thanks to Ivan and his team, I now own a home that I absolutely love, and I couldn't be happier with the entire experience. If you're looking for a realtor who is personable, knowledgeable, and truly dedicated to their clients, look no further than Ivan Rizo Viveros!
Jose V
Apr 23, 2025
Verified

(Translated by Google) I want to say a huge thank you to the team at Guild Mortgage, especially Ivan, for making the process of getting the loan for our home clear, efficient and stress-free. From the first contact, they were professional, attentive and always willing to answer any questions we had. They walked us through step by step, explaining every detail and making sure we understood the entire process. Their attention to detail and commitment to the client really made the difference. Thanks to them, today we can say that we are in our home, and we couldn't be happier. I 100% recommend Guild Mortgage to anyone looking for a home loan with a trustworthy team! (Original) Quiero agradecer enormemente al equipo de Guild Mortgage, especialmente a Ivan, por hacer que el proceso de obtener el préstamo para nuestra casa fuera claro, eficiente y sin estrés. Desde el primer contacto, fueron profesionales, atentos y siempre dispuestos a responder cualquier pregunta que tuviéramos. Nos guiaron paso a paso, explicando cada detalle y asegurándose de que entendiéramos todo el proceso. Su atención al detalle y compromiso con el cliente realmente marcaron la diferencia. Gracias a ellos, hoy podemos decir que estamos en nuestro hogar, y no podríamos estar más felices. ¡Recomiendo Guild Mortgage al 100% para cualquiera que esté buscando un préstamo hipotecario con un equipo confiable!

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Awards

Scotsman Guide Award

Causes & Memberships

member of Guild Giving
NMLS ID #2491649
I am authorized to do business in the state of Washington.