Today's Rates

Our low FHA, VA, Jumbo, & Conventional mortgage rates are among the most competitive in the industry & we'll present you all accessible financing options.

Purchase Assistant

As California's leading Mortgage Company we alleviate the typically drawn-out loan process, pre-approving borrowers within an hour and providing a pre-approval certificate.

Refinance Advisor

No matter what your need to refinance is, our highly experienced team of mortgage brokers can help you find the perfect loan solution to fit your needs and circumstances.

Welcome to Guillermo Santos - Empower My Loan

Guillermo Santos - Empower My Loan - favicon

Guillermo Santos is your premiere mortgage lender located in San Ramon, CA. We pride ourselves on offering competitive rates and outstanding service. We make the loan process simple, straightforward, and fast for all types of borrowers. Whether you are purchasing your dream home or looking to refinance an existing loan our highly experienced team of mortgage experts are here to help you find the ideal financing solution.

The Guillermo Santos - Empower My Loan team has over 20 years of lending experience. We consistently rank among the highest in overall customer satisfaction among California mortgage companies. Give us a call today to find out how we can help you with your home financing needs.

  • I had a great experience working with Guillermo. I truly appreciate his professionalism and dedication. He always makes himself available to answer questions and consistently keeps me updated every step... read more

    Sergio Avatar Sergio
    April 9, 2026

    It's been more than a year that Mr. Santos qualified my family for our dream home. This is the second time we work with Guillermo, he has exceeded our... read more

    N J Avatar N J
    February 26, 2026

    He tenido la oportunidad de ser asesorado por Guillermo y su equipo, quienes han sido de una tremenda ayuda. La primera vez no pude obtener mi vivienda por razones laborales,... read more

    Eleazar M Avatar Eleazar M
    December 30, 2025

    GUILLERMO IS THE G.O.A.T.!! Truly. He'll get you the best rate he can but rates aside I'd literally pay more to work with him (even though I didn't have to).... read more

    sarah ledford Avatar sarah ledford
    December 29, 2025
  • Guillermo was very helpful throughout my home search and buying process. He was responsive to my texts at all hours and filled me in with details along the way. He... read more

    Claire Avatar Claire
    December 15, 2025

    I recently worked with Guillermo Santos on a transaction, and he was phenomenal. Guillermo is extremely on top of everything, communicates clearly, and keeps everyone updated throughout the entire process.... read more

    Gabriela Pina Avatar Gabriela Pina
    November 21, 2025

    Guillermo was awesome to work with. We had a tricky property and a very difficult timeline to complete. He never dropped the ball and always ahead of the curve, anticipating... read more

    Frederick Alfredo Avatar Frederick Alfredo
    September 30, 2025

    After shopping around with several banks for a HELOC, I was frustrated by how much paperwork and time it was taking. I worked with Mr. Santos in the past and... read more

    delma Louisrubin Avatar delma Louisrubin
    September 19, 2025
  • Guillermo and his team have the perfect mix of expertise and stellar service. If you're looking for loan gurus who will treat you right, look no more!

    Max Cel Avatar Max Cel
    September 18, 2025

    Guillermo is the best! He is very knowledgeable and skilled in guiding homebuyers through the loan application process. He answered all of our questions and looked after our best... read more

    Roderick D. Penalosa Avatar Roderick D. Penalosa
    September 12, 2025

    Guillermo es una gran persona y hace todo lo posible por ayudarte en lo que necesites. Es una persona confiable y siempre está dispuesto para contestar cualquier duda excelente servicio

    Lizbett Garcia Avatar Lizbett Garcia
    May 2, 2025

    Mr. Santos was extremely thorough and informative during the process of obtaining my properties. He is always available to guide and answer any questions before, during and even after. I... read more

    Renee Burrell Avatar Renee Burrell
    April 9, 2025
  • Guillermo went above and beyond in helping us fund our mortgage and close escrow on time. He was open and honest at each step, providing helpful advice and never pushing... read more

    Max Wiedmann Avatar Max Wiedmann
    January 27, 2025

    I have used Santos on several real estate transactions and they are easy to work with, reliable and they guide you through the process, making everything seamless. I would easily... read more

    Daryll Johnston Avatar Daryll Johnston
    January 27, 2025

    It is such a blessing knowing Guillermo! 💕 I met him through our realtor, and with no regrets, I am glad that I partnered with someone who does great in his... read more

    Dyna Eloisa Alberto Avatar Dyna Eloisa Alberto
    January 26, 2025

    Guillermo did an amazing job closing my transaction. He was willing to meet my clients all the way in the Sacramento to give them that face to face which really... read more

    Andreina Barriga Avatar Andreina Barriga
    August 13, 2024
  • Guillermo and I have worked together for years. His focus and persistence to get the deal closed goes beyond the average lender. No matter the time of day or night,... read more

    T Ohh Avatar T Ohh
    August 8, 2024

    My team and I have had the pleasure of collaborating with Guillermo on multiple transactions, and we truly enjoy working with him. Guillermo is knowledgeable, reliable, and genuinely cares about... read more

    Richard Setterlund Avatar Richard Setterlund
    May 16, 2024

    I wanted to Thank Guillermo so much for his great work helping the buyers to purchase our listing here in Moraga. He handled all of the details smoothly and always... read more

    Lisa Doyle Avatar Lisa Doyle
    February 26, 2024

    Guillermo is simply the best. This is the second mortgage he has helped me with and each time he has been professional, fast, and trustworthy. The man is a walking... read more

    Patricia Urrutia-Hemker Avatar Patricia Urrutia-Hemker
    February 15, 2024
  • Unbelievably efficient, had never dropped the ball after hundreds of transactions. Highly recommended!

    Michael Garza EXP California Realty, San Ramon Avatar Michael Garza EXP California Realty, San Ramon
    January 30, 2024

    What I like about Guillermo is his straight forwardness and diligence of getting the job done. Getting the loan and closing it was all I cared about and I... read more

    Bon Nguyen Avatar Bon Nguyen
    February 9, 2018

Begin the home loan process today! Our team is armed with the best loan programs in the area and have a proven record of getting loans funded on time.

Why choose Guillermo Santos - Empower My Loan?

Our Experience

Guillermo Santos - Empower My Loan has over 20 years of experience in residential lending. That means we can find a solution to any situation.

We're Local

We are proud to serve the San Ramon area. Whether you're looking to move here or move up, we're here to help.

Our Values

Every member of the Guillermo Santos - Empower My Loan team prides themselves on their honesty, integrity, and lasting relationships with clients.

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