Cheryl Boldig

Vice President of Mortgage Lending Guaranteed Rate Affinity NMLS #1021838, CalDOC #1021838
Cheryl Boldig began her career in the mortgage industry in 1990. From file set-up to loan tracking, Cheryl has performed many of the different functions in the mortgage industry. Due to her experience and know-how, Cheryl is able to handle many different types of mortgage loans and ensures a stress-free experience for her clientele. Her excellent customer service and attention to detail continues to impress her colleagues and clients alike, earning her top producer awards several times in her career.

She is proud to be recognized for her work but, more important to Cheryl is providing sound financial advice and the best loan product for each of her clients’ needs.


Aug 30, 2017
Home Buyer
Our real estate agent recommended Cheryl to us to help with the financing of our new home. We are more than pleased with everything she has done for us. Our situation was a bit unique, but she worked all the angles and found the perfect mortgage for our situation. We happily recommend Cheryl to anyone needing to get a loan, regardless of the circumstances. And she has a great personality to go with the outstanding service as well. Thanks so much Cheryl !!
Aug 21, 2017
Cheryl was such a huge help. She was always available to answer my questions and keep the flow of processing all the paperwork running smoothly. She was very knowledgeable and efficient and a joy to work with.
Jul 20, 2017
IT Sales
I recently purchased a home in Lake Forest and had a chance to work with Cheryl. She is knowledgeable and very responsive, which helped make the whole experience a pleasure. Highly recommended.
May 11, 2017
“Hanhna, my wife and I would like to thank you for your help with our refinancing. You were timely and efficient and your communication was the key in making the closing of ALL of our loans possible. We will recommend you to our friends and family.”
May 9, 2017
General Manager at Charlotte Olympia
I would like to recommend, strongly recommend, Cheryl Boldig, a Senior Loan Consultant for First Capital in Orange County California. Cheryl is a very dedicated individual who works for her clients and follows through on every part of the process that is under her purvey.
Cheryl is a very soft spoken woman, and extremely knowledgeable with the regulations and requirements needed to qualify for a loan. Cheryl works her job to the convenience of the buyer. She goes above and beyond to ensure her client is approved and fully satisfied . It was a pleasure working with her from beginning to the end of my loan. She is an amazing professional and an outstanding person.
Apr 25, 2017
I've applied for many loans in different states over the years and the process is never pleasant. However, Cheryl Boldig made this recent experience as smooth and as timely as possible. She stayed on top of the underwriting process, managed expectations with the title company, and kept me and my realtor informed every step along the way with near-daily updates, some well after her normal business hours. She even managed to have our loan fund a couple days early in an already short escrow. I can't recommend Cheryl highly enough.
Apr 22, 2017
If you are looking for someone to help you with your home loan, I highly recommend Cheryl Boldig!! Not only does she take the time to explain every detail of the process, she does it WHEN convenient for YOU and with a smile. She never made me feel like I was bothering her and returned voice/emails right away. She made a stressful situation very comfortable !
Apr 10, 2017
Engineering Consultant
Cheryl is a top notch loan consultant that definitely takes care of her customers. We just completed what I thought would be a fairly routine home refinance that turned into something quite different than any of us expected. Cheryl was very helpful and informative through the entire process. Her help, assistance, attention to detail and guidance through the process was critical to completing the process successfully. I would highly recommend her to anyone needing assistance in the mortgage area. Thanks Cheryl, Great Job!!
Apr 8, 2017
Cheryl did a great job helping me with my loan and i would recommend her highly.
Oct 11, 2016
Director, Franchise Operations
Cheryl made our move from Texas to California so much easier. Her knowledge and patience was outstanding. She took the time to explain everything with the utmost respect and patience, even when I just couldn't understand it. Her attention to detail was very much appreciated. She made the whole mortgage process much smoother and kept us informed at every step. I would highly recommend her to anyone needing a mortgage loan.
Sep 30, 2016
I am a Retired Law Enforcement Veteran of 30 years and a Military Veteran. Cheryl was our Loan Agent that assisted us with our VA Loan. We had not made a home purchase since the late 90's, so you could classify us as newcomers to the loan process.

Cheryl made our experience very effortless and pleasant. She went above and beyond her call of duty. There were letters of explanation that needed to be written, she completed them. There were phone calls that needed to be handled, she took care of it. All these tasks were completed in a very professional and timely manner. The most pleasing was her sense of sincere desire to help, and to keep us informed during the entire process. I would recommend Cheryl 110%, and guarantee she would do a professional and thorough job.
Aug 26, 2016
Private citizen
We recently purchased a home in Laguna Woods.--a rather arduous process--Cheryl was involved early and was instantly helpful, knew exactly what needed to be done, was patient, friendly, all the good things you really appreciate when dealing with a process one does not often do. If she didn't have information at hand she knew who would have it and either get it or put us in immediate touch with who did.
Aug 2, 2016
Whether she is working with a first-time buyer or a seasoned investor, Cheryl has the knowledge and professionalism to ensure the transaction comes to fruition. She is 100% hands on and will do anything to ensure the buyer (as well as the buyer's agent) is kept 100% informed as to the steps to take and is always there to help smooth an unforeseen bump in the road.

We cannot recommend her more highly.
Jul 24, 2016
Senior Director
Having spent the majority of my career in both real estate and insurance (over 35 years) I have had the opportunity to work with a number of professionals in both industries. Without a doubt, Cheryl ranks #1 on my list for her dedication, knowledge, professionalism and work ethic. Cheryl did a fantastic job throughout the entire loan process of guiding us and keeping us informed every step of the way. She did everything as promised and was an absolute pleasure to work with. Be sure to use Cheryl for your next loan - you will not regret it.
Jul 22, 2016
sales associate
I highly recommend Cheryl Boldig- Cheryl did a fantastic job with my out of state VA clients- Cheryl is very knowledgeable with the VA loan process and if it were not for her tenacity I believe the transaction may not have transpired- Cheryl's communication skills with all parties was impeccable. Good Job Cheryl!
Jun 14, 2016
Cheryl was very professional throughout the process and made herself readily available for any questions I had along the way. There was always an open line of communication and she was able to act promptly on any issues that would arise. Thank you Cheryl
Jun 4, 2016
Physician Executive
Cheryl helped us with the financing of our new home on a big move from Portland Oregon to Orange County. She was extremely helpful in helping us navigate some complex issues yielding a highly satisfactory outcome. Cheryl was timely and responsive and professional throughout the whole process. I would recommend Cheryl's services without hesitation.
May 13, 2016
Radiologist Technologist
I couldn't have bought my first home without Cheryl. She got my loan approve when other lenders couldn't. She's very good at what she does and I would recommend her to anybody.
Feb 10, 2016
Cheryl was a pleasure to work with! Her knowledge and ability to explain concepts was very helpful and made the process very smooth. I look forward to working with Cheryl again in the future.
Jan 28, 2016
We came across Cheryl through a recommendation from my mother-in-law and we can't stop raving about her services! She was professional, responsive, empathetic, and very knowledgable. To really understand the depth of her assistance, first you got to realize that we were a week away from closing with our "Pre-approved" lender BoFA, when they decide to pull the rug out from under us and decline our loan! Oh, to say we were FURIOUS would have been an understatement. Basically, Cheryl had one week to do what BoFA couldn't do in 4 weeks! Of course, Cheryl, like a fairy godmother, was able to perform some magic, and at the end, we got our happily ever after in our new home! Cheryl, you are AWESOME!
Jan 4, 2016
Cheryl was terrific in helping up buy our home. She is clearly passionate about her job, very knowledgeable and was always there to answers questions when we needed her - day or night. We would definitely recommend her! Thanks, Cheryl!
Dec 23, 2015
Cheryl was very helpful and knowledgable. She provided amazing advice even though our first home fell out of escrow. Couldn't be more pleased!!!
Jul 7, 2015
Satisfied First Capital Customer
Cheryl was friendly, responsive, and professional as we worked together to close in 21 days, a stretch target that included penalties if we delayed.

Although I was solely on the mortgage, she worked with my mother and my husband directly on documentation needs which helped me focus on a very hectic time at work.

One example where Cheryl was proactive: she did homework on our behalf to identify options when the IRS would not give us or the transcript company a copy of prior year taxes. She identified the local tax office, what and how my husband should make the request to try to close the documentation gap.

Thank you Cheryl!
Jul 5, 2015
client needing help with history of credit and buying a house.
Cheryl is highly knowledgeable in her field and works hard at knowing how to "tackle" obstacles and help her clients obtain a loan and at the best % rate possible. She has gained great insight and experience in how to handle difficult and unscrupulous business peers. I would definitely call her again because of the trust that was built and the honest and professional manner witnessed during the time she worked with us.
Thank you, Cheryl!
Jul 1, 2015
U.S. Government Benefits Administrator
To Whom It May Concern:

It is with great honor and privilege that I recommend Cheryl Boldig for business and personal ethics of the highest caliber. In all my many years of working in the business world, "very rarely" have I found a person with the attitudes of customer service, loyalty to company, truthfulness, integrity, and perseverance, that supersede those of Cheryl.

As a Mortgage Lending Officer, I do stipulate that I have found "no one" who possesses a higher degree of efficiency and "sense of responsibility to her clients in handling the day-to-day requirements of such a complex, but important profession.

As a Lending Officer, she handled my personal home mortgage in such a manner that I enabled me to completely put my trust in, bar none. On virtually every detail during the complex process of obtaining a loan for a home, she handled each one with a professionalism and steadfastness which is not seen in the business world today. For example: I know she stayed up long hours into the night for the sole purpose of insuring every detail and requirement I needed to know or become personally involved in was conveyed to me in an extremely efficient and professional manner or method.

As a former member of the United States Air Force, if it were possible, I would recommend her for our highest honor for peacetime service, "The Presidential Medal of Freedom." Furthermore, her methodology transcended her business practices and allowed me to see, with numerous empirical examples, that her personal practices of dealing with people in every walk of life were true to all that this great country of ours, The United States of America, considers sacred and upright.

I wholly, completely, and without reservation recommend her for any such award her present or future employer can bestow upon her.

Yours, Very Sincerely and Respectfully,

James M. Newton
U.S. Department of Homeland Security (DHS)
Immigration & Customs Enforcement (ICE)
Laguna Niguel, CA 92677

I of my business with her, "down to where the rubber meets the road," she was on top of,

My Associations