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dozens of lenders to find the mortgage that fits your life — whether you are buying your first home, upgrading, or refinancing.

Whether you are buying your first home or your fifth, we have the right mortgage solution for you

A simple, guided process from application to keys in hand

Real experiences from homeowners who trusted with their mortgage

"This was such a blessing in disguise as it was an absolute pleasure to work with a patient, respectful, punctual, and smart professional who goes above and beyond to deliver the best outcome. Guy was leaps and bounds better than the initial option we had..."

Khaled Jazzar

Jan 2026

"If you are looking for a lender that truly has your best interest at heart and works tirelessly to make sure you close on time if not early on your loan, look no further. Guy is the BEST and I don't say this lightly. I am the #1 Solo agent at Keller Williams in Temecula..."

Rosalind Girard

Keller Williams • Apr 2025

"First time home buying is not that easy, my family was fortunate enough that our realtor introduced us to Guy. Guy was on top of everything, his vast knowledge and expertise made our dream house come true. I will always recommend Guy to friends and colleagues..."

Richie Aguilar

First-Time Homebuyer • Jan 2024

"I had a unique financial situation to which I thought there was no way I was going to be able to get approved. Guy was able to access many resources for self-employed individuals and thankfully got me into my new home. If anyone can get it done… Guy's the Guy!"

Princess Lindsay

Self-Employed Buyer • Aug 2024

"Undoubtably the best mortgage broker around. He made my VA loan transaction effortless, despite my unique situation. Guy was efficient, transparent, and polite. Can't speak highly enough of him! Thanks Guy!"

Ryan Warrell

VA Loan • Aug 2025

"As someone who works in the industry myself and has been part of hundreds of deals per year I can say Guy is unmatched! His outstanding communication, industry knowledge, and get it done attitude ensured the deal closed in 16 days. Guy is my new go to 'guy' for all future transactions."

Beth Lashkari

Industry Professional • Aug 2022

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Legal Disclaimer: The information contained on this website is for informational purposes only and is not intended to constitute financial, legal, or mortgage advice. Mortgage loan programs, interest rates, terms, and conditions are subject to change without notice and may vary based on creditworthiness, loan-to-value, occupancy, property type, and other qualifying factors. This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, and property appraisal. Not all applicants will qualify. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or because an applicant has exercised any right under the Consumer Credit Protection Act.

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Legal Disclaimer: The information contained on this website is for informational purposes only and is not intended to constitute financial, legal, or mortgage advice. Mortgage loan programs, interest rates, terms, and conditions are subject to change without notice and may vary based on creditworthiness, loan-to-value, occupancy, property type, and other qualifying factors. This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, and property appraisal. Not all applicants will qualify. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or because an applicant has exercised any right under the Consumer Credit Protection Act. © {branding.privacyPolicyUrl && Privacy Policy
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About

Why Work With Me

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, dedicated to helping families achieve their homeownership dreams with integrity, expertise, and personalized service.

Whether you are a first-time buyer navigating the process for the first time or an experienced investor, you will get guidance tailored to your unique situation.

As a dedicated Mortgage Loan Officer at Nationwide Loans Inc, I specialize in helping families and individuals achieve their dream of homeownership. With years of experience in the mortgage industry and deep knowledge of loan programs including FHA, VA, Conventional, USDA, and Jumbo loans, I guide my clients through every step of the financing process with transparency and care.

What sets me apart is my commitment to personalized service. I understand that every client's financial situation is unique, which is why I take the time to listen, educate, and recommend the best loan solutions tailored to your specific needs. Whether you're a first-time homebuyer, a veteran looking to use your VA benefits, or an investor seeking financing options, I'm here to make the mortgage process smooth and stress-free.

My approach combines cutting-edge technology with old-fashioned customer service. You'll have access to digital tools that make document submission and communication convenient, while also having a real person available to answer your questions and provide updates throughout your loan journey. I believe in clear communication and setting realistic expectations from day one.

When you work with me, you're not just getting a loan officer—you're gaining a partner who is invested in your financial success. I shop multiple lenders to find competitive rates and terms, ensuring you get the best possible deal. My goal is to build lasting relationships with my clients, earning your trust through honest advice and exceptional service. Let's work together to make your homeownership dreams a reality.

Ready to take the next step? Reach out for a free consultation and personalized rate quote.

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Explore our range of mortgage solutions designed to fit every need, whether you are buying your first home or refinancing an existing loan.

Schedule a free consultation and will help you find the perfect program.

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Have questions? Need guidance? here to make your mortgage journey warm and stress-free.

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FHA Loans

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FHA Loans

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Your Gateway to Homeownership

Achieve your dream of homeownership with as little as 3.5% down. FHA loans offer flexible credit requirements and government backing, making them perfect for first-time homebuyers.

FHA loans are mortgages insured by the Federal Housing Administration, designed to make homeownership more accessible. These government-backed loans offer lower down payments, flexible credit requirements, and are especially beneficial for first-time homebuyers.

Get personalized FHA loan options with no impact to your credit score.

FHA loans have more flexible requirements than conventional loans, making homeownership accessible to more people.

*Subject to AUS Approval. Ratios may vary by lender.

FHA loan limits vary by area. Select a region to see current limits.

Let us help you navigate the FHA loan process and find the perfect home financing solution.

Making homeownership feel welcoming and achievable for everyone.

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FHA Loan Benefits Frequently Asked Questions Ready to Get Started? Let us help you navigate the FHA loan process and find the perfect home financing solution. Contact Us Today Making homeownership feel welcoming and achievable for everyone. Quick Links Contact Legal Disclaimer: The information contained on this website is for informational purposes only and is not intended to constitute financial, legal, or mortgage advice. Mortgage loan programs, interest rates, terms, and conditions are subject to change without notice and may vary based on creditworthiness, loan-to-value, occupancy, property type, and other qualifying factors. This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, and property appraisal. Not all applicants will qualify. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or because an applicant has exercised any right under the Consumer Credit Protection Act. © {branding.privacyPolicyUrl && Privacy Policy
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VA Loans

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Exempt: Service-connected disability | Rates shown for 0% down payment. Lower rates available with 5-10% down.

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For Our Heroes

Honor your service with VA home loans designed for veterans, active military, and eligible spouses. $0 down payment, no PMI, and competitive rates to help you secure the home you have earned.

VA loans are mortgage loans guaranteed by the U.S. Department of Veterans Affairs. They are available to eligible veterans, active-duty service members, and surviving spouses. VA loans are one of the most powerful home financing tools available.

Find out if you qualify for VA loan benefits with no obligation.

VA loans have no loan limit for borrowers with full entitlement. County limits apply for those with partial entitlement.

Let us help you use the VA benefits you have earned to find the perfect home.

Making homeownership feel welcoming and achievable for everyone.

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Legal Disclaimer: The information contained on this website is for informational purposes only and is not intended to constitute financial, legal, or mortgage advice. Mortgage loan programs, interest rates, terms, and conditions are subject to change without notice and may vary based on creditworthiness, loan-to-value, occupancy, property type, and other qualifying factors. This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, and property appraisal. Not all applicants will qualify. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or because an applicant has exercised any right under the Consumer Credit Protection Act. © {branding.privacyPolicyUrl && Privacy Policy
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Conventional Loans

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Traditional Financing with Competitive Rates

The most popular mortgage option offering competitive rates, flexible terms, and no government backing required. Ideal for borrowers with good credit and stable income.

Conventional loans are mortgages not insured or guaranteed by a government agency. They are offered by private lenders and typically follow guidelines set by Fannie Mae and Freddie Mac, making them the most common type of home loan.

See if you qualify with no impact to your credit score.

Understanding loan limits helps determine which conventional loan type fits your purchase.

Explore your conventional loan options and find the perfect financing solution for your home.

Making homeownership feel welcoming and achievable for everyone.

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Legal Disclaimer: The information contained on this website is for informational purposes only and is not intended to constitute financial, legal, or mortgage advice. Mortgage loan programs, interest rates, terms, and conditions are subject to change without notice and may vary based on creditworthiness, loan-to-value, occupancy, property type, and other qualifying factors. This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, and property appraisal. Not all applicants will qualify. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or because an applicant has exercised any right under the Consumer Credit Protection Act. © {branding.privacyPolicyUrl && Privacy Policy
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USDA Loans

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USDA Loans

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Zero Down Payment Rural Home Loans

Get 100% financing in eligible rural and suburban areas. USDA loans offer zero down payment, low mortgage insurance rates, and flexible credit requirements for moderate-income homebuyers.

USDA loans are government-backed mortgages offered through the U.S. Department of Agriculture Rural Development program. They provide 100% financing for eligible rural and suburban homebuyers with moderate incomes.

See if you qualify with no impact to your credit score.

USDA loans do not have maximum loan amounts, but income limits apply.

Find out if your desired area qualifies for USDA financing. We will help you every step of the way.

Making homeownership feel welcoming and achievable for everyone.

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Legal Disclaimer: The information contained on this website is for informational purposes only and is not intended to constitute financial, legal, or mortgage advice. Mortgage loan programs, interest rates, terms, and conditions are subject to change without notice and may vary based on creditworthiness, loan-to-value, occupancy, property type, and other qualifying factors. This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, and property appraisal. Not all applicants will qualify. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or because an applicant has exercised any right under the Consumer Credit Protection Act. © {branding.privacyPolicyUrl && Privacy Policy
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Jumbo Loans

What Are Jumbo Loans?

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Financing for Luxury & High-Value Properties

Need a mortgage that exceeds conforming loan limits? Jumbo loans provide financing for high-value properties with competitive rates and flexible terms for well-qualified borrowers.

Jumbo loans are mortgages that exceed the conforming loan limits set by the FHFA. These loans are not eligible for purchase by Fannie Mae or Freddie Mac, so they are offered directly by lenders with their own underwriting guidelines.

See if you qualify with no impact to your credit score.

Jumbo loans come in different tiers based on loan amount.

Let our specialists analyze your profile and recommend the best jumbo program for your needs.

Making homeownership feel welcoming and achievable for everyone.

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FHA Loan Calculator

Calculate Your FHA Loan Payment

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Estimate your monthly mortgage payment with FHA loan terms including mortgage insurance premiums (MIP). Perfect for first-time homebuyers with lower down payment options.

Calculator includes: 1.75% Upfront MIP (financed into loan) + 0.55% Annual MIP (monthly)

Based on 30-year loan, LTV > 90%

Rates may vary based on loan term and down payment

Understand how FHA loans work and what factors affect your monthly payment.

Minimum down payment required. Gifts from family members are allowed.

Credit scores as low as 580 may qualify with 3.5% down. 500-579 requires 10% down.

1.75% upfront mortgage insurance premium plus annual MIP based on loan amount.

FHA loans are for primary residences only. Multi-unit properties up to 4 units allowed.

Let's discuss your FHA loan options and find the best mortgage solution for your situation.

Helping families achieve their dream of homeownership with personalized mortgage solutions and expert guidance every step of the way.

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VA Loan Calculator

Calculate Your VA Loan Payment

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Estimate your monthly mortgage payment with $0 down payment options. Thank you for your service - let's find the best VA home loan for you.

A one-time fee that helps fund the VA loan program. Can be financed into the loan. Veterans with service-connected disabilities may be exempt.

Current Rate:

Select your VA funding fee category. The calculator will reload with the appropriate financed loan amount.

Exclusive benefits for our nation's heroes. Here's why VA loans are one of the best mortgage options available.

Finance up to 100% of the home's value with no down payment required.

Unlike conventional loans, VA loans don't require private mortgage insurance.

More lenient credit requirements compared to conventional loans.

Use your VA loan benefit multiple times throughout your lifetime.

Get expert guidance on your VA loan benefits. I'm here to help you maximize your homebuying power.

Helping military families achieve their dream of homeownership with personalized mortgage solutions and expert guidance every step of the way.

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USDA Loan Calculator

Calculate Your USDA Loan Payment

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100% financing for eligible rural and suburban homebuyers. No down payment required for qualifying properties and areas.

Calculator includes: 1.0% Upfront Guarantee Fee (financed) + 0.35% Annual Fee (monthly)

No monthly PMI required

100% financing available in eligible areas

Ideal for homebuyers in eligible rural and suburban areas looking for 100% financing.

Finance 100% of the purchase price with no money down.

Available in designated rural areas. Many suburbs qualify.

Competitive interest rates set by approved USDA lenders.

Household income must not exceed 115% of area median income.

Let me help you determine if you qualify for a USDA Rural Development loan and find the right home for you.

Helping families in rural and suburban communities achieve their dream of homeownership with USDA Rural Development loans.

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Conventional Loan Calculator

Calculate Your Conventional Loan Payment

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Find Your Best Rate

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The most popular loan option with competitive rates. Calculate your payment with as little as 3% down for first-time buyers or 5% for repeat buyers.

The most flexible loan program with options for every type of homebuyer.

As low as 3% for first-time buyers, 5% for others. 20% avoids PMI.

Best interest rates available for borrowers with good credit scores.

Primary residences, second homes, and investment properties.

Private mortgage insurance can be removed once you reach 20% equity.

Conventional loans offer the most competitive rates for qualified buyers. Let's see what you qualify for.

Helping families achieve their dream of homeownership with personalized mortgage solutions and expert guidance every step of the way.

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Buydown Calculator

Lower Initial Payments

Seller or Builder Paid

Predictable Transition

Have Questions About Buydowns?

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Calculate your temporary buydown savings and see how much you could lower your monthly payments in the first years of your mortgage.

A temporary buydown reduces your interest rate for the first 1-3 years, making your initial monthly payments more affordable while you settle into your new home.

Buydown funds are typically paid by the seller or builder as an incentive. This means you get the benefit without coming out of pocket for the buydown cost.

Your payment steps up gradually according to a predetermined schedule, so you know exactly what to expect and can plan your budget accordingly.

Not sure if a temporary buydown is right for your situation? Let's talk through your options together.

Making homeownership feel welcoming and achievable for everyone.

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