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Ana Guzman
VP of Mortgage Lending

Se habla Español

Whether you are looking to purchase or refinance your home, it is important to keep in mind that while this may feel like an arduous process, finding the right person can help guide you into a smooth, and stress-free experience.

I am a United States NAVY veteran and I have been in the financial industry for 18 years, within that time I have witnessed many ups and downs in the mortgage business, including the subprime mortgage crisis of 2008. As a person who is proud to serve her country, I believe it is my duty to provide knowledge to those who walk into my office asking for help on obtaining their dream home, and at the same time to serve and protect them from any dishonest schemes.

It is very important for me to have a strong and trustworthy relationship with my customers, so I can offer the guidance they need to make their dreams a reality. As a homeowner myself and a single mother, I know how hard it is to find the financial means to pay the bills and have enough for quality time with my family, as traveling the world with them is one of the things I enjoy the most. That is why I try to find a way to fit my clients’ mortgage into their financial goals because it's so satisfying to see people I’ve helped thriving in their homes and communities.

I have received several awards during my career that highlight my top performance in this business, and my extensive knowledge of the products offered on the market today are an asset towards building lasting relationships with business partners and homebuyers. These relationships are an invaluable tool in making the home loan process as smooth and comfortable as possible, and all of this allows me to provide the service and expertise that my current and past customers demand.

Aviso de Exención de Responsabilidad: Todas las negociaciones y los Documentos de Transacciones de Préstamos Hipotecarios se realizarán y serán proporcionado en Inglés. Le sugerimos que trabaje con un intérprete de su elección.

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Loan typeRateAPRDiscount points ($)Mo. payment

This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs. Mortgage rates are offered exclusively through Guaranteed Rate and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners' insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders. One discount points equals one percent of your loan amount. Some jumbo loan options may not be available to first\-time home buyers. We based the mortgage interest rates shown on a 30\-day rate lock period. Under certain circumstances, a 30\-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range. Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval. These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing. VA If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency. Adjustable Rate Mortgage (ARMs) Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.