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Monday 9am - 7pm Tuesday 9am - 7pm Wednesday 9am - 7pm Thursday 9am - 7pm Friday 9am - 7pm Saturday 10am - 3pm

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Loans With Walt

Home
United States
San Jose, CA
Loans With Walt

Direct: 909-336-8398
NMLS #1972176
License CA

Walter Guerrero - Loan Officer at Loan Factory | Helping You Achieve Your Homeownership Dreams!

With personalized mortgage solutions, competitive rates, and expert guidance. I am deeply committed to reliability and being readily available for my clients. Whether you're venturing into a new purchase or considering refinancing, you're partnering with a seasoned expert who holds customer service in the highest regard. Embarking on the mortgage lending journey? Rest assured, I'll be by your side, ensuring every step is seamless and efficient. Nothing brings me more joy than seeing the spark in someone's eyes as they step into their dream home. Knowing I've played a pivotal role in that journey is immensely rewarding. I eagerly await the chance to assist you on your path to homeownership!

11/02/2026

Did you know your home equity could unlock new financial possibilities? 🏡

Eligible homeowners can leverage available equity for home renovations, debt consolidation, or major life expenses. The right choice depends on your unique financial situation and long-term goals.

Want to see what your equity can do for you? Send me a message today to explore your options! 💬

For informational purposes only. Not a commitment to lend.

Walter Guerrero | NMLS #1972176
Loan Factory | NMLS #320841

10/31/2026

Halloween is always extra special when spent at home! 🎃

From carving pumpkins and sharing treats to making lasting memories with family, the sweetest moments happen right under your own roof.

Wishing you and your family a fun, safe, and happy Halloween from all of us at Loan Factory! What is your favorite tradition at home? Drop a comment below! 🏡🍬

Walter Guerrero | NMLS #1972176
Loan Factory | NMLS #320841

10/30/2026

Just because you qualify for a maximum loan amount doesn't mean you have to spend it all! 🏡

Your pre-approval shows your upper limit, but a truly comfortable monthly payment also accounts for property taxes, insurance, HOA fees, and your savings goals.

Planning to buy? Message me today and let’s review your actual numbers before you start shopping!

For informational purposes only. Not a commitment to lend.

Walter Guerrero | NMLS #1972176
Loan Factory | NMLS #320841

10/29/2026

Looking to expand your real estate portfolio without relying heavily on personal income documentation? 🏠 DSCR financing focuses on whether a property's qualifying rental income can support its debt obligations.

Eyeing your next rental property? Send me a message with DSCR and let's explore your options!

For informational purposes only. Not a commitment to lend.

Walter Guerrero | NMLS #1972176
Loan Factory | NMLS #320841

10/28/2026

Can family help you cover your down payment? 🏡

Gift funds can be a great option for eligible homebuyers, but rules vary depending on who provides the gift, how it is documented, and your specific loan program.

Think you know the rules? Drop A, B, C, or D in the comments, or send me a message to see what applies to your homebuying journey!

For informational purposes only. Gift-fund requirements vary by loan program, lender, donor, property, and transaction. Not a commitment to lend.

Walter Guerrero | NMLS #1972176
Loan Factory | NMLS #320841

10/27/2026

Your home equity can give you the flexibility you need for future expenses and new opportunities! 🏡

With our streamlined HELOC program, eligible homeowners can easily apply online and explore flexible options tailored to their financial goals.

Ready to see what options are available to you? Send me a message today to get started!

For informational purposes only. Not a commitment to lend.

Walter Guerrero | NMLS #1972176
Loan Factory | NMLS #320841

10/26/2026

Planning to buy a home this fall? 🍂 Housing conditions shift throughout the year, and autumn can bring fresh opportunities in your local market.

Before you start shopping, let's explore your options! Send me a message today to discuss your financing strategy so you can move forward with confidence.

Market conditions vary by location. For informational purposes only.

Walter Guerrero | NMLS #1972176
Loan Factory | NMLS #320841

10/23/2026

Myth buster: Getting pre-approved does NOT mean you are stuck with that lender! 💡

A pre-approval helps you understand your buying power, but you are still free to compare loan options before deciding how to move forward. Knowing your choices gives you the confidence to make your next move.

Reach out today to learn more about the home buying process!

Pre-approval is subject to verification, underwriting guidelines, and lender requirements. Not a commitment to lend.

Walter Guerrero | NMLS #1972176
Loan Factory | NMLS #320841

10/22/2026

Attention real estate investors! Did you know your property’s cash flow could help you qualify for your next deal? 🏡

DSCR loans focus on rental income rather than traditional personal income tax returns. Since program requirements vary, the right fit depends on your specific scenario.

Message us today to explore your DSCR loan options!

Programs subject to guidelines. Not all borrowers will qualify.

Walter Guerrero | NMLS #1972176
Loan Factory | NMLS #320841

10/21/2026

Buying a home is a big step, but navigating the mortgage process doesn't have to be confusing. 🏡

Having a clear roadmap from pre-approval and house hunting to underwriting and closing helps you know exactly what to expect. Every loan journey is unique, but the right guidance makes all the difference.

Ready to take your first step? Connect with me today!

Walter Guerrero | NMLS #1972176
Loan Factory | NMLS #320841

Address

2195 Tully Road
San Jose, CA
95122

Opening Hours

Monday	9am - 7pm
Tuesday	9am - 7pm
Wednesday	9am - 7pm
Thursday	9am - 7pm
Friday	9am - 7pm
Saturday	10am - 3pm

Website

facebook.com

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