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Yoonie Choi

Yoonie Choi

Loan Officer

11250 Kirkland Way, Suite 200, Kirkland, WA 98033
Own what matters
Own what matters

About Me

Welcome! It's all about service at Guild Mortgage and our company has been meeting the needs of homebuyers across the United States since 1960. I joined Guild because of its strong reputation for integrity‚ based mortgage lending its unwavering commitment to responsible lending practices and for its broad portfolio of mortgage solutions and tools. Since joining Guild I have helped many individuals and families attain the dream of homeownership. Whether you want to buy a new home or refinance an existing mortgage I will provide a customized solution for you at competitive rates. No brokering no middleman no hassle no surprises. Guild is a direct lender which means that my Branch and Regional Offices are equipped to complete the entire loan process in‚ house‚ all loan processing underwriting closings and funding are handled locally. As a result we have a proven track record of closing loans as quickly and efficiently as possible I will be in control of your loan file from start to finish and I will be up‚ to‚ date on the status of your loan at all times. I understand the importance of maintaining continuous communication throughout the loan process and commit to providing you accurate timely and honest mortgage advice. I invite you to put us to the test. Let me show you how simple and easy securing a mortgage can be.

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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.



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.


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.


4.87 out of 5.0 stars
May 12, 2023

We received professional and helpful service on our first home purchase from Yoonie and her team. Every question we had was answered in a timely manner. Everything was just perfect :)
Sep 27, 2022

Yoonie and her team are very professional and knowledgeable about the mortgage business. They utilized all avenues to be able to help their clientele. They called me about a bank statement loan for a self employed borrower who did not qualify through normal QM. They knew exactly the program they wanted and submitted a la brokered loan. In addition, I witnessed that they provide clients with exceptional communication: this includes speaking about guidelines for certain loan products, explained conditions from underwriters, and worked together with clients to move along the loan to closure. It was a pleasure servicing their clients and working together as a team.
Mi S
Aug 05, 2022

Great communication with Professionalism. Quick processing and update. I will refer her to my clients with confidence.
Jun 16, 2022

Yoonie and Ana are seriously the dream team! They were referred to us by our realtor, and we are so grateful! We are in shock with how smooth and quick the whole process went! Getting a mortgage is a really stressful experience, but we felt supported the whole time. We will definitely be using Academy and team Yoonie/Ana for all future mortgage needs.
Mar 16, 2022

great experience, thanks
Mar 09, 2022

Clear communication - Ms. Choi and her team were on it from the beginning to closing.

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Causes I'm
passionate about

NMLS ID #1870235
I am authorized to do business in the states of California and Washington. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act;