Melissa Valenzuela Cotton- Guild Mortgage
Loan Officer | NMLS# 469793
Investing in real estate didn't just give me a place to live. It gave me freedom, stability, and the ability and space to create the life I've always wanted. I can't wait to help you do the same!
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Business Hours
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8 AM to 5 PM
Wed
8 AM to 5 PM
Thu
8 AM to 5 PM
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Reviews from Web
Melissa and her team were great to work with. They made the home buying experience seamless and easy to understand. Communication was excellent. Highly recommend!
Reply from Melissa Valenzuela Cotton- Guild Mo...
September 9th, 2026 06:51 PM
Andrea, I'm so happy to have been a part of your home buying journey and so glad you enjoyed working with our team. We truly appreciate your trust in us!
Melissa Valenzuela Cotton- Guild Mortgage has received a review with 5 star rating from Ray M
I can't say enough of about Melissa. As a Realtor for 30 yrs. She has to be one of the most experienced and creative Loan Officer I have worked with. Highly recommend her and her team.
Reply from Melissa Valenzuela Cotton- Guild Mo...
August 23rd, 2026 12:03 PM
Thank you, Ray, for your kind words. I'm grateful for your partnership. Your experience as a Realtor is invaluable, and I'm glad to have been able to support you and yours :).
Melissa provided us with clear, easy to understand options, and helped us to understandd the long-term implications of our loan choices.
Reply from Melissa Valenzuela Cotton- Guild Mo...
August 21st, 2026 11:43 AM
Emily, it was an honor to work with you and be a part of your journey to becoming homeowners!
Melissa kept in touch with me since my original loan. I like that she has kept me informed of the market trends, and when it might make sense vs. not to refinance. She explained everything thoroughly and I'm never left with unanswered questions....
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Reply from Owner
August 23rd, 2026 12:05 PM
I'm grateful for your kind words, Juliette and to be a part of your mortgage team. I agree that I have a great team that I am so thankful for. Thank you for recommending my services!
Melissa kept in touch with me since my original loan. I like that she has kept me informed of the market trends, and when it might make sense vs. not to refinance. She explained everything thoroughly and I'm never left with unanswered questions....
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Reply from Guild Mortgage - Melissa Valenzuela...
July 24th, 2026 04:11 PM
Thank you for the feedback and for allowing us to be a part of your team, Juliette!
Melissa was great to work with and offered a few different options for us to choose from. The whole process was smooth start to finish. Melissa and Jenny followed up frequently and made the process easy. I have already recommended her to a...
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Reply from Guild Mortgage - Melissa Valenzuela...
July 15th, 2026 07:39 PM
Thank you for allowing us to be a part of your team, Matthew! It is truly an honor.
Melissa Valenzuela Cotton- Guild Mortgage has received a review with 5 star rating from Samantha D
Reply from Owner
July 24th, 2026 04:11 PM
Thank you so much for the perfect rating, Samantha. I'm grateful for trust and opportunity to be a part of your homebuying journey!
Melissa and her team helped every step of the way and made things easy to understand! They continuosly made themselves available when we needed them!
Reply from Guild Mortgage - Meliss Valenzuela ...
July 8th, 2026 07:22 PM
It was our pleasure! We are grateful to be a part of your journey to homeownership are always here to help whenever you need us. Thank you for sharing your feedback!
Melissa and her team are fanastastic to work with! great service and gets us to the closing table every time!
Reply from Guild Mortgage - Meliss Valenzuela ...
May 18th, 2026 01:35 PM
Thank you, Yvonne! We appreciate your partnership more than you know. Cheers to many more successful transactions together :)
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About
Investing in real estate didn't just give me a place to live. It gave me freedom, stability, and the ability and space to create the life I've always wanted. I can't wait to help you do the same!
Products & Services
Mortgage Lender
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
Reverse Mortgage
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Year Started
2026
Time Zone
Mountain Standard Time (MST)
Licenses
- NMLS# 469793
Disclaimer
I am authorized to do business in the states of Arizona, Colorado, Florida, Maine, North Carolina and Nebraska. AZ BK#0018883; AZ BKBR# BK-BR-20; AZ LO Lic.# LO-201015; NMLS ID: 469793; Guild Mortgage Company; Equal Housing Opportunity; Company NMLS ID 3274. www.nmlsconsumeraccess.org/.