Guild Mortgage - Geoff Black

Listening, educating, and communicating the loan process to my clients gives them a comfortable experience every time. My personal commitment to your satisfaction is the foundation of a lasting business philosophy. With a strong traditional belief in integrity, I am dedicated to superior service and consistently committed to helping my clients obtain the best financing possible. I will advise you and provide you with the essential information necessary to make informed decisions now and in the future as your financial desires change. "You can apply for a loan by clicking on one of the links provided below. If you need information about a home loan or would like to contact me, please give me a call at 916-486-6558, send me an email or fill out our Information Request Form and I will get right back to 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%. 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. Geoff was on top of everything. On short notice he was able to change the close date to be 8 days earlier. Amazing service. Chad. Geoff's knowledge, communication and professionalism makes him a great lender! He heled my clients step by step through the transaction. Everyone that we worked with was professional and knowledgeable. We were informed throughout the loan process of what we needed to do to get our loan approved on time. Everyone worked as a team to get us our loan approved. Thanks Guild We use cookies on this website to optimize your experience, analyze traffic, and for our advertising purposes. Click here for more information on our privacy practices. California residents have the right to opt out of sharing of personal information. Click here to opt out.

Melissa Heede Real Estate
5 Star
Geoff's knowledge, communication and professionalism makes him a great lender! He heled my clients step by step through the transaction.
Tuesday 30th April 2024

Chad Talach
5 Star
Geoff was on top of everything. With short notice he was able to change the close date to be 8 days earlier. Amazing service. Chad.
Tuesday 14th May 2024

Kristina McBurney Maahs
5 Star
Geoff and his team are the best. Great communicators, responsive and fun! Closed a 21 day loan early over holiday weekend because client needed access to home early. Always my go to lender.
Friday 15th September 2023

Karlee Cranford
5 Star
Geoff, Stacey and Deborah make an amazing team! If it’s possible, they’ll make it happen and they’ll do it quick. We’re so satisfied and thankful with their work for our mortgage. Super communicative. We didn’t have a realtor and first time home buyers and they were super willing to wear many hats. Highly suggest them! We’ll be using them for our next home!
Sunday 21st May 2023

Nathan Sherman
5 Star
Great overall loan experience with Geoff!
Wednesday 29th May 2024