Lodi, California based Armando Gutierrez is your dedicated mortgage expert at Farmers & Merchants Bank of Central California. Specializing in conventional mortgage loans, Armando guides clients through every step of the financing process, making homeownership dreams a reality. Available during standard business hours (9 AM - 5 PM), Armando leverages his deep understanding of the local market to provide personalized service and secure the best possible mortgage solutions. Contact Armando today for expert guidance on your conventional mortgage needs.