• A great lender makes the difference between a stressful home search and a confident one. They help you:

    • Understand what you can comfortably afford

    • Lock in competitive rates

    • Choose the best loan program for your goals

    • Get pre-approved early so your offers are stronger

    • Navigate documentation with ease

    • Stay on track from application to closing

  • Pre-Approval

    Before shopping for a home, a lender reviews your credit, income, and financials to determine what you qualify for. This helps you shop with clarity and confidence.

    2. Loan Options

    Depending on your situation, you may be eligible for:

    • Conventional loans

    • FHA loans

    • VA loans

    • USDA rural loans

    • First-time homebuyer programs

    • Down-payment assistance

    our loan officer will help you compare and choose.

    3. Underwriting

    Once under contract, your lender verifies all documents, orders the appraisal, and ensures your loan meets required guidelines.

    4. Cleared to Close

    You’ll receive final numbers and instructions before closing day — a huge milestone!

  • Nicole Romero

    Mortgage Loan Officer
    NMLS #: 2177238
    Phone: (505) 550-2421

    Email: nicole.romero@guildmortgage.net
    Company: Guild Mortgage