A large variety of products is a tremendous benefit for borrowers and Real Estate professionals that refer their clients. Only having the loan products of only one lender can be very limiting. We do not have that problem as we have access to all of Guild’s loan options and those of over 10 other lenders that have unique programs.

Conventional Loans: These loan programs are often referred to as Fannie Mae and Freddy Mac loans. They loans include fixed and ARM loans. These loans along with government loans make up the majority of loans that are originated. They usually offer the best interest rates and most flexible approval guidelines except for credit scores and down payment. They include a new category of loans called Conforming Jumbo loans. These are loans above $417,000.00 up to a temporary limit of $567,500.00.

Government Loans: These include FHA, VA and USDA loans. They feature lower credit score guidelines and excellent interest rates as well as low or no down payment options. Guild mortgage has the unique possibility of closing an FHA or VA loan with credit scores down to 600.

Jumbo Loans: These programs allow loan amounts up to $3 million. Guild has it’s own loan that allows 20% down with a 680 credit score.

Construction Loans: While they are harder to find, construction loans for owner occupied homes are still available.

Down Payment Assistance: Guild is approved with the State of Washington to access funds for down payment assistance. The House Key program is a widely used option for borrowers with certain income limitations. This provides an option to home buyers for zero down home loans.

Guild Proprietary Program: Guild has a loan strategy that is very popular with Real Estate Investors. It can be used by buyers purchasing a primary residence as well. The key component to making this option work is the property has to be purchased significantly below current market value. This makes it an option for those buying homes at auction or an REO bank owned. If the purchase parameters are right it is possible for someone to purchase a home with little or almost no money out of their pocket. Contact us for details.

All loans subject to underwriter approval. Terms and conditions apply. Subject to change without notice.