Phil Chavez - Guild Mortgage

09/21/2026

5.0 star review received on Experience.com for Phil Chavez by Kwonit M - ​We were first-time homebuyers. We had little idea about the whole process. When researching, it felt overwhelming. We felt like "two lost souls swimming in a fishbowl." That's when we found Phil through a website. We contacted him after reading the reviews and high ratings. Phil held our hands and patiently guided us through the whole process. We have probably annoyed Phil with a million questions, but he welcomed all the questions and answered them or referred us to other experts. The whole process was smooth and seamless, and in no time we got approved and had the keys to our first house in our hands. Thanks, Phil, for getting us our dream house!

Click to see all 195 reviews of Guild Mortgage - Phil Chavez, Senior Loan Officer | NMLS # 2041605

09/16/2026

5.0 star review received on Experience.com for Phil Chavez by Carole W - Communication. Phil is outstanding with keeping everyone involved in the transaction informed.

Click to see all 194 reviews of Guild Mortgage - Phil Chavez, Senior Loan Officer | NMLS # 2041605

09/12/2026

5.0 star review received on Experience.com for Phil Chavez by Holly W - Phil was very communicative throughout the entire process.

Click to see all 193 reviews of Guild Mortgage - Phil Chavez, Senior Loan Officer | NMLS # 2041605

09/12/2026

5.0 star review received on Experience.com for Phil Chavez by Keith B - Phil kept me up to speed and on top of things. He didn't let anything slip between the cracks and was always available to discuss the loan.

Click to see all 193 reviews of Guild Mortgage - Phil Chavez, Senior Loan Officer | NMLS # 2041605

09/04/2026

4.8 star review received on Experience.com for Phil Chavez by Tammy V - It was a pleasure workign with you Phil looking forward to many more to come.

Click to see all 189 reviews of Guild Mortgage - Phil Chavez, Senior Loan Officer | NMLS # 2041605

08/19/2026

Thinking about buying a home but not sure why lenders ask for so much paperwork?

You are not alone.

One of the biggest surprises for homebuyers is how much documentation goes into a mortgage application. The good news is there is a reason for it. Paperwork like paystubs, W-2s, tax returns, bank statements, employment history, and address history helps us verify the information needed to review loan options that may fit your situation. It also helps create a clearer picture of your payment, upfront costs, and next steps.

The faster your documents are submitted, the faster the review can usually move.

If you are getting ready to buy, or just want to understand what to expect before applying, visit my website here: philchavezhomeloans.com

Have questions about what documents you may need? Send me a message or drop a comment below.

08/13/2026

5.0 star review received on Experience.com for Phil Chavez by William H - Super nice, patient (we were nervous!), and knowledgable. Made sure we understood and helped us thru each step. Hands down there is no ones we would use!

Click to see all 187 reviews of Guild Mortgage - Phil Chavez, Senior Loan Officer | NMLS # 2041605

08/03/2026

5.0 star review received on Experience.com for Phil Chavez by Brayden W - Phil did a great job and he worked hard to make me happy and to teach me something along the way. Since it was my first time purchasing a house I was nervous and didn't know much. But Phil would reassure me and teach me things I needed to know. He worked really hard to get me a better deal and was in my corner the whole time. I couldn't imagine working with anyone else. If anyone I know is interested in purchasing a home, they'll get Phil's name and number from me.

Click to see all 185 reviews of Guild Mortgage - Phil Chavez, Senior Loan Officer | NMLS # 2041605

07/30/2026

5.0 star review received on Experience.com for Phil Chavez by Daniel H - Phil has always been great to work with. I've used him for several loans personally and have had several customers get loans through him as well! You can be assured of great service all through the process when you work with him and his team!

Click to see all 183 reviews of Guild Mortgage - Phil Chavez, Senior Loan Officer | NMLS # 2041605

07/23/2026

5.0 star review received on Experience.com for Phil Chavez by Natasha M - Phil went above and beyond in a difficult transaction. He communicated wonderfully and met all my expectations and more for the buying process.

Click to see all 182 reviews of Guild Mortgage - Phil Chavez, Senior Loan Officer | NMLS # 2041605