Rufina Guinto · Loan Officer
Your home journey,
guided by people who care
Personalized mortgage guidance backed by institutional-grade technology. Every detail handled. Every option explored. Every closing on time.
NMLS #29453320+ Years ExperienceLicensed in 2 States
52
Recent Loans Closed
20+
Years Experience
4.96★
Average Rating (210 reviews)
Meet Your Loan Officer
The mortgage process
should feel like a milestone,
not a headache.
Meet Rufina, a Loan Officer at American Financial Network licensed in 2 states. Reach out to discuss your homeownership goals.
Backed by American Financial Network's nationwide lending platform and the most advanced mortgage technology in the industry, I bring institutional resources to a personal relationship.
“My clients don't just get a loan officer. They get a team, a technology platform, and an advocate.”
NMLS #294533
Licensed 2 States
AFN NMLS #237341
A Better Way
Traditional process vs. working with us
Traditional Process
✕
Phone tag & voicemail
Wait hours or days for a callback from your loan officer
✕
Manual paperwork
Print, sign, scan, and email stacks of documents
✕
Weekly updates (maybe)
Left wondering where your file stands in the pipeline
✕
45+ day closings
Delays, missing docs, and last-minute surprises
With Rufina + Sophia
→
Instant answers, 24/7
Sophia responds in seconds — Rufina follows up personally
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Automated document collection
Upload from your phone, AI organizes everything
→
Real-time status tracking
Know exactly where your loan stands at every moment
→
Faster, predictable closings
Streamlined process means fewer delays and no surprises
Loan Programs
Every option. Your best fit.
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Conventional
Traditional financing with competitive rates. As little as 3% down for qualified buyers. Conforming and jumbo options available.
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FHA
Government-backed loans with flexible credit requirements. 3.5% down payment. Ideal for first-time homebuyers building their foundation.
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VA
Zero down payment for eligible veterans and active military. No monthly mortgage insurance. The benefit you've earned.
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Jumbo
High-balance loans for premium properties. Competitive rates on loan amounts above conforming limits. Tailored structuring.
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Renovation
Finance the purchase and renovation in a single loan. FHA 203(k) and conventional options. Turn potential into your perfect home.
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Non-QM
Bank statement, DSCR, and asset-based programs for self-employed borrowers and investors. Creative solutions for complex scenarios.
Available 24/7
Meet Sophia,
your AI-powered mortgage assistant
Get instant answers, explore loan options, estimate payments, and start your application — any time, day or night. Sophia is backed by Rufina's expertise and AFN's full lending platform. When you're ready, Rufina steps in personally.
→
Estimate monthly payments based on your actual scenario→
Explore loan programs matched to your situation→
Start your application without waiting for a callback→
Check local market conditions and neighborhood dataS
Sophia
Backed by Rufina · NMLS #294533
Hi, I'm Sophia — Rufina's AI-powered mortgage assistant. I can help you explore options, estimate payments, or start your application. What's on your mind?
What can I afford on $120K income?
Based on a $120K annual income, you could qualify for roughly $480K–$540K depending on your debts, down payment, and rate. Want me to run a detailed scenario?
Client Experiences
Trusted by families nationwide
★ ★ ★ ★ ★
She went above and beyond throughout our entire home-buying process. She is truly a ray of sunshine, and I am incredibly grateful for her service, patience, commitment and kindness. I would absolutely love to work with her again in the future and would highly recommend her to anyone.
Maricor dela Cruz
AFN Client
★ ★ ★ ★ ★
She went above and beyond throughout the entire home-buying process. From the very beginning, I could feel her genuine sincerity and dedication to helping people. She made sure I understood every step of the process, explaining not only what we were doing but also why we were doing it. She patiently answered the countless questions I had, even on weekends, and was always available when I needed guidance. Whenever a challenge arose, she was proactive in finding solutions and ensuring everything stayed on track. Buying a home can be stressful and overwhelming, but she made the experience smooth, seamless, and uncomplicated. She is truly a ray of sunshine, and I am incredibly grateful for her being accomodating, service, professionalism, and kindness. I would absolutely love the opportunity to work with her again in the future and would highly recommend her to anyone.
Maricor U D.
Arleta, CA
★ ★ ★ ★ ★
Yes was very informative and patient with us. This was our first time buying a home and she helped us along the way!
Jose Gilberto G.
Fontana, CA
★ ★ ★ ★ ★
Working with Rufina Guinto was an outstanding experience from start to finish. She was professional, knowledgeable, responsive, and genuinely cared about helping me through every step of the loan process. Rufina took the time to explain everything clearly, answered all of my questions promptly, and made what could have been a stressful process feel smooth and manageable. Her attention to detail and dedication gave me confidence throughout the entire transaction. I truly appreciated her honesty, patience, and commitment to finding the best solution for my situation. I highly recommend Rufina Guinto to anyone looking for a trustworthy and reliable loan officer!
Miguel Gestuvo
AFN Client
★ ★ ★ ★ ★
Working with Rufina Guinto was an outstanding experience from start to finish. She was professional, knowledgeable, responsive, and genuinely cared about helping me through every step of the loan process. Rufina took the time to explain everything clearly, answered all of my questions promptly, and made what could have been a stressful process feel smooth and manageable. Her attention to detail and dedication gave me confidence throughout the entire transaction. I truly appreciated her honesty, patience, and commitment to finding the best solution for my situation. I highly recommend Rufina Guinto to anyone looking for a trustworthy and reliable loan officer!
Miguel Alberto Garci P.
Paramount, CA
Tools
Payment Calculator
$3,174/mo
P & I$2,528
Prop Tax$500
Ins$146
Afford
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No MI
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30 years
This is not a commitment to lend. Not all borrowers will qualify. Loan approval is subject to credit, underwriting, and program guidelines. Terms and conditions apply. Rates and program availability are subject to change without notice.
Real Estate Partners
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