Senior Loan Originator (NMLS #255924) licensed in California (Guild #3274). I have been with Guild Mortgage for nine years. We offer hundreds of loan products for a wide variety of borrowers, including first-time homebuyers, military families and rural residents. We also offer many state, county, and city housing programs that provide down payment assistance. The Smith Team works hard to deliver what matters most to you and find the loan that fits your life.