Anthony Joseph Madruga

Vice President of Mortgage Sales Guaranteed Rate Affinity NMLS #346458 Guaranteed Rate Affinity NMLS ID 159647
Anthony Madruga works hard to deliver the dream of home ownership to his clients. With over 15 years experience in the mortgage industry, Anthony is able to select just the right products and programs for each of his clients’ financial needs. His expert level understanding of both VA and FHA loans has resulted in a growing referral base from our countries’ veterans and first time homebuyers.

His honest approach and thorough communication have been appreciated by all his clientele as he delivers detailed, predictable results.

A graduate of San Diego State University, Anthony holds a Bachelor’s Degree in Business Marketing. In his spare time, Anthony enjoys Body surfing, mountain biking, cooking, wine tasting, playing guitar and spending time with his wife and 3 children.

Contact Anthony today for help with your mortgage financing needs.


Nov 30, 2017
Home Buyer
Anthony and his greater team were great to work with. I received a great rate (lowest in the industry), a great loan and great service. Anthony was very responsive and timely in resolving matters. I needed loan approval in14 days and a 30 day escrow. Anthony made it happen. Just make a call and find out for yourself.
Nov 18, 2017
Anthony Madruga first assisted me in purchasing my first home over 10 years ago. This was at a time when there were devious adjustable loans being issued to homeowners, which resulted in the 2008 Housing Market Crash. Mr. Madruga was very professional and honest. He went above and beyond helping me secure a safe and just loan. This loan, over time, allowed me to stay in my home even after the price of my house had dropped over 100K. Early this summer I once again reached out for Mr. Madruga’ s honest expertise, asking him to assist me in refinancing my current home. At that point I was on the brink of foreclosure. As before, Mr. Madruga, went to great lengths to research and secure the best loan possible. In the end he saved me close to $1,000.00 on my monthly mortgage payments. With my job, and the over 100-mile distance between his office and I, it was difficult for me to submit and gather all the applications and numerous paperwork required by both the Office of Veterans Affairs and the lending company. Mr. Madruga made the process easy and stress free. He was always reassuring, and found quick answers whenever an issue presented itself. Mr. Madruga and his team did such and exemplary job that it I would easily recommend him to everyone I know. My family and I will always be grateful to him for helping us save our home.
Nov 17, 2017
Anthony was able to get me a great mortgage rate and then was able to extend the rate at no cost to me when unexpected complications arose during escrow. Anthony met me at the escrow company on the Saturday of Labor Day weekend. I had been asked to sign all the loan documents that morning. Anthony was there to make sure everything was done and expressed mailed so the lender received everything the following Tuesday. I think he did an outstanding job and sincerely appreciate the extra efforts he made to make everything move along as smoothly as possible.
Nov 14, 2017
Anthony did a great job in securing our home loan. He made things so easy and explained things so clearly to us. He kept us informed all the way through so we would not be anxious and we could focus on the rest of what goes along with buying a house. Thank you Anthony we will definitely look you up the next time we are in the market for a loan
Nov 11, 2017
Land lord
Anthony and team did a great job in getting my loan to go through. After several tries with other agents he was the one that did a great job.
Thank you Anthony.
Oct 30, 2017
Special Education Teacher
Anthony is very knowledgable and taught me the process of buying a home. He was patient and would go out of his way to help me. When he needed to get documents to me, he would send them either electronically or hand deliver them to me and that was not always easy for him. He would always get back to me when I left a message. He made the process of getting funding painless and easy and I was in my home within 45 days. After I was in my home and I had a few more questions and Anthony continued to help me. I am really glad that I had a chance to work with him and I recommend him to all my friends and neighbors.

Sincerely ,
Karen Schreiner
Oct 26, 2017
ANTHONY helped me as a retired person to get a mortgage on a residence I wanted to buy.
Jul 24, 2017
Anthony Madruga was great through out every step of the loan process. He was always available if I needed to ask questions and he always kept me in the loop. I am a first time home buyer so I was nervous and did not know what to expect but he always helped calm me down by explaining what was going on or by telling me what the next step was. I would highly recommend Anthony to my friends and family!
May 9, 2017
Navy Chief Petty Officer
Anthony was outstanding! Very knowledgeable, he took time to explain in detail all aspects of the loan process. At fist we were somewhat confused and thats when he took the time to go over everything and answer all of our questions. Most of all we knew what to expect with closing costs. No hidden fees, because of his thourough process. A true professional and I would reccommend him to any of my family and friends.
Apr 10, 2017
As you can tell by my last name that I am related to Anthony.He just happens to be my cousin. Regardless of the fact that we are related, I would recommend Anthony for all your home buying needs.He walks you through all your steps and helps you understand all your mountains of paper work. He is professional, helpful,friendly,and always only a phone call away. Anthony has always been a person of extreme integrity, and he lives to help others. I have always admired Anthony for his work ethic and know he always has your best interests at heart.
Mar 16, 2017
Senior Telecom Engineer
Anthony was extremely helpful with our home loan. We were kept updated through every step of the process. I would highly recommend Anthony for any financing need.
Dec 8, 2016
Retired Teacher
As retired teachers, my wife and I are always looking for ways to cut costs. With Anthony's help, we were able to refinance our home and reduce our monthly payments. He was very good at understanding our goals and finding a loan that matched our needs.
Oct 31, 2016
Senior Vice President, Fox 2000 Pictures
As i was refinancing, Anthony made the process completely painless. Not only did i felt well informed every step of the way, he is a pleasure to deal with and i felt very well taken care of. I know Anthony figured out the best plan for my financial needs and guided me with a deft hand. So very thankful!
Oct 10, 2016
Graphic Designer
Anthony did a fantastic job in the refinance of my home. He was always available to answer my questions and very prompt and knowledgeable through the entire process. Thank you Anthony, you made this process very easy!
Oct 5, 2016
Anthony was very helpful with all the details regarding the refinance on our home. He followed up with us on the current rates,which options were avail at certain costs (15yr, 30 yr, etc), best time to lock it in, and more. He even called us while we were out of town on vacation to make sure we knew that everything was going as planned. The actual closing date was within 15 days of what was projected, so everything went smoothly. Everyone, including the escrow/title company was very knowledgeable and efficient. Thank you.
Oct 3, 2016
I have recommended Anthony to many of my clients, and have also used him for my own mortgage loans . He's easy to work with and does a great job. I give him whatever documentation he asks for, and then he takes care of the rest. It's easy!!
Aug 8, 2016
Contract Specialist
Anthony was recommended to me by my relator after having issues with a couple of other big banks. The rates and deal he gave me was great and worked with what I wanted. He was very responsive to my questions and concerns and helpful during the entire process.
Aug 2, 2016
Anthony recently helped me obtain a mortgage for my new home. It wasn't an easy job either! He originally did all of the work for a mortgage on a home I was purchasing in San Diego. Do to a problem with the HOA not maintaining sufficient insurance, after months, the deal fell through. As I was shopping for another property Anthony was always there to "run the numbers" which allowed me to make an informed decision. Through everything he was completely professional (even when I wasn't), friendly, helpful and supportive. I very highly recommend Anthony to help you navigate obtaining a mortgage. In fact I have already recommended him to my best friend who is thinking of purchasing a house!
Jun 28, 2016
Anthony was recommended to me by my realtor and was the best decision in my home search. He has been a HUGE help during the entire loan process. He was quick and informative with any and all questions I had during the entire process, especially with a VA loan. I would definitely recommend Anthony to anyone looking to buy a home.
Jun 27, 2016
mortgage customer
Anthony has done most of my mortgages over the past 20+ years. He's knowledgeable, professional, honest and communicates well with each step of your loan. I've recommended Anthony to family and friends over the years. His experiencei s top notch!
May 14, 2016
Owner - Gary Madruga Sandblasting
Anthony was very professional and thorough. He took the time to explain each step of the process of refinancing our home and kept in constant contact with us. I was very happy with the outcome and will recommend him to anyone in need of his services!!!
May 13, 2016
Branch Manager
Anthony's advice, communication and follow up throughout the loan process was fantastic. I would definitely recommend Anthony to anyone looking to purchase a home.
Apr 29, 2016
Anthony was recommended by a family member who told us he was the best at what he does. We were not disappointed. Anthony helped every step of the way and was in constant contact with the required documents and timelines. He offered us the best suitable loan and rates. At the end we were on a time crunch to close and Anthony and his team were able to handle the pressure under the given circumstances.
Apr 20, 2016
HCC Lead Auditor
Anthony is the one who saved us from loosing our dream house (our first loan officer bailed out on us) After a painful experience with our first loan officer Anthony was there to make our home buying process a painless one. Everyday we were amazed with his willingness to help us untiringly. Through his hard work, patience and dedication Anthony was able to turn our first home buying a pleasant one. Anthony we can't thank you enough! Highly recommended!
Apr 19, 2016
New Product Development Engineer
Anthony was awesome all throughout my home-buying experience. He was more than willing to talk with me over the phone for more than half an hour, answering all of my questions even before I even was sure I wanted to start looking through the house. He was prompt with his documents and communicated clearly and quickly. I can't recommend him highly enough.

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