Guild Mortgage - Tucker Maxwell NMLS #17106674

11/03/2026

What if you didn't need $165,000 saved to buy this home? 🏡

Previously , I showed you a beautifully renovated home in Old Town Tacoma with views of the Puget Sound, the Olympic Mountains, and the city.

Let's talk about what it might actually take to buy it.

📍 2714 N McCarver Street, Tacoma, WA
💰 Offered at $826,488
🏡 Listed by Laura Ford | RE/MAX Northwest

Here's where the numbers get interesting.

20% down: $165,298
FHA 3.5% down: $28,927

That's more than $136,000 less in the down payment alone.

And with FHA financing, sellers may be able to contribute up to 6% of the purchase price toward eligible closing costs and other allowable expenses.

On this property, that's a potential maximum of approximately $49,589, subject to negotiation and program guidelines. It can't cover your required down payment.

Now, there's a tradeoff.

The example in my video uses an FHA adjustable-rate mortgage (ARM). It starts with a five-year fixed-rate period, after which the rate can adjust.

There's mortgage insurance to consider, and a smaller down payment doesn't automatically mean a lower total cost.

That's why I always encourage buyers to look beyond the down payment.

What does the complete monthly payment look like? How much cash do you actually need to close? What happens if the rate adjusts? And how long do you plan to own the home?

The goal isn't simply to find a way to buy. It's to understand your options and make a smart financial decision.

My friend Laura M. Ford & Associates, Realtor at Re/Max Northwest can help you explore this beautiful Tacoma property.

And I can help you understand what financing it might look like.

Want to see the numbers for this home or another property you're considering?

Comment NUMBERS, and let's build a personalized breakdown!

Smart moves. Smooth closings.

Listing courtesy of Laura Ford | RE/MAX Northwest.

Guild Mortgage Company is not affiliated with Laura Ford or RE/MAX Northwest.

Tucker Maxwell | NMLS #1710674
Guild Mortgage Company | NMLS #3274
Equal Housing Opportunity
guildmortgage.com/licensing

All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice. Loan examples are illustrative, not offers or commitments to lend. FHA financing and seller contributions are subject to eligibility, underwriting, and applicable guidelines.

11/03/2026

Picture this. Morning coffee overlooking the Puget Sound, Olympic mountains, and city. ☕🌅

Or dinner with friends on your covered cedar deck while taking in those incredible views.

That's the lifestyle waiting at this beautifully renovated home in Old Town Tacoma!

📍 2714 N McCarver Street, Tacoma, WA
💰 Offered at $826,488
🛏️ 2 Bedrooms | 🛁 2 Bathrooms

Originally built in 1900, this home brings together the character of historic Tacoma with the comfort of a thoughtful modern renovation.

The kitchen has room for two cooks. The main living area is filled with natural light and water views.

And upstairs, the primary suite has its own private deck overlooking the sound.

I can absolutely picture someone starting their next chapter here.

My friend and Realtor partner Laura M. Ford & Associates, Realtor at Re/Max Northwest has this listing, and I'd be happy to introduce you!

And if you're wondering what it might actually take to buy this home, that's where I come in.

Comment NUMBERS, and I'll help you explore the down payment, monthly payment, and financing options based on your situation.

Now I'm curious...

Would you rather have your morning coffee on the upstairs deck or host dinner overlooking the water downstairs?

More videos from this Old Town Tacoma home coming today!

Listing courtesy of Laura Ford | RE/MAX Northwest.

Tucker Maxwell | NMLS #1710674
Guild Mortgage Company | NMLS #3274
Equal Housing Opportunity
guildmortgage.com/licensing

Financing subject to qualification and underwriting approval. Terms and conditions apply.

11/03/2026

Think you need to spend years saving before you can buy your first home?

You might have another option worth exploring.

I talk with buyers who assume they need to save every dollar of their down payment on their own.

And while having savings is important, there's something I wish more people knew about.

Down Payment Assistance (DPA).

Here in Washington, there are state and local programs designed to help eligible buyers with the upfront costs of purchasing a home.

Some offer grants. Others provide loans with deferred payments or forgiveness provisions.

And here's something that surprises people. Some programs don't even require you to be a first-time homebuyer!

But DPA isn't automatically free money, and it isn't always the best option.

We still need to look at eligibility, repayment terms, interest rates, closing costs, and what makes the most sense for your financial goals.

Maybe saving on your own is the better move. Maybe assistance could help you buy sooner.

The important thing is knowing your options before making that decision.

I'm curious. Have you ever looked into down payment assistance programs, or did you assume you wouldn't qualify?

Drop a comment or send me a message with "DPA." I'm happy to help you explore what's available!

Smart moves. Smooth closings.

Tucker Maxwell | NMLS #1710674
Guild Mortgage Company | NMLS #3274
Equal Housing Opportunity
guildmortgage.com/licensing

Program availability and eligibility vary. All loans subject to underwriter approval. Terms and conditions may apply. Subject to change without notice.

11/02/2026

Have you ever asked ChatGPT a mortgage question? 🤖🏡

I'm a fan of technology, and I think AI can be an incredible resource when you're starting to explore buying a home.

Need someone to explain debt-to-income ratios? AI can help.

Want to understand how down payment assistance works? It can point you in the right direction.

But here's where I think people need to be careful.

Knowing about a mortgage program and knowing whether it's right for YOU are two very different things.

Your income, credit, savings, financial goals, and where you're buying all matter.

And here in King County, the details of your situation can make a real difference when exploring financing and down payment assistance options.

AI can even help review documents you choose to share. But it doesn't automatically know your complete financial picture or have access to all the current loan options available through your lender.

That's where having a real conversation with an experienced loan officer comes in.

I'm not against using AI. Quite the opposite!

Use AI to learn. Then let's look at your actual numbers and figure out what makes sense for you.

I'm genuinely curious. Have you used ChatGPT or another AI tool to research mortgages or real estate?

What did you think? Was it helpful?

I'd love to hear your experience!

Tucker Maxwell | NMLS #1710674
Guild Mortgage Company | NMLS #3274
Equal Housing Opportunity
guildmortgage.com/licensing

Program availability and eligibility vary. All loans subject to underwriter approval. Terms and conditions may apply. Subject to change without notice.

10/30/2026

How many times have you talked yourself out of something before even asking the question?

I see it happen with homebuyers all the time.

"My credit probably isn't good enough."

"I don't have enough saved."

"I'm sure I won't qualify."

And sometimes, those concerns are real. But sometimes, they're assumptions that have never actually been tested.

Here's the thing.

You don't have to be ready to buy a home to start asking questions about buying one.

That's part of what I love about my job.

Sometimes we discover options someone didn't realize they had.

Other times, we figure out what needs to happen over the next six months or year to put them in a better position.

Both are wins in my book.

I'm not here to convince you to buy a house before you're ready. I'm here to help you understand your options so you can make that decision for yourself.

One conversation might give you a completely different perspective.

Don't let the fear of asking keep you from getting answers.

I'm curious. For those of you who already own a home, what was something you were nervous to ask when you first started?

And if you're still thinking about buying, my messages are always open. No pressure, just a conversation.

Tucker Maxwell | NMLS #1710674
Guild Mortgage Company | NMLS #3274
Equal Housing Opportunity
guildmortgage.com/licensing

10/29/2026

Who says buying a home means giving up everything you love?

Traveling. Hiking. Mountain biking. Snowboarding. Golfing. Making memories with the people you care about.

Those things are important to me, and I know they're important to a lot of you, too.

One thing I hear from people thinking about buying their first home is that they don't want to give up enjoying life just to become homeowners.

And I get that!

But here's my question. Have you actually run the numbers?

Before assuming you can't afford both, let's look at what homeownership would mean for your budget.

Not just what your mortgage payment might be, but what you'd have left over for the things that make life worth living.

Maybe the numbers make sense today. Maybe they tell us it's better to keep renting, save a little more, and build a plan.

Either way, you're making an informed decision instead of guessing.

Homeownership should support the life you want to live, not take away from it.

I'm curious. What's one thing you wouldn't want to give up just to buy a home?

And if you've been wondering whether buying might be possible without sacrificing everything you enjoy, let's run the numbers. Happy to help!

Tucker Maxwell | NMLS #1710674
Guild Mortgage Company | NMLS #3274
Equal Housing Opportunity
guildmortgage.com/licensing

10/27/2026

This review really made my day! 🙏

I recently had the opportunity to work with Sandy, a very experienced Realtor here in our market, on a home purchase.

One thing that stood out to me was her comment about being "10 steps ahead."

That's something I work really hard to deliver.

I believe communication should be the bare minimum in our business. Buyers and their agents shouldn't have to chase their lender to find out what's happening.

But being proactive goes well beyond simply providing updates.

It's anticipating potential challenges before they happen. Talking through possible appraisal outcomes. Giving everyone realistic expectations for upcoming milestones, and then delivering on those timelines.

On this transaction, we hit every milestone and even finished ahead of schedule.

To me, great lending is about so much more than rates. It's about strategy, preparation, finding solutions, and making the experience as smooth as possible for everyone involved.

I'm incredibly grateful that Sandy recognized that effort, especially coming from someone with so much experience in our industry.

Thank you, Sandy, for the opportunity to work together and for such thoughtful words. It truly means a lot!

Tucker Maxwell | NMLS #1710674
Guild Mortgage Company | NMLS #3274
Equal Housing Opportunity
guildmortgage.com/licensing

10/26/2026

Have student loans? Think that means you can't buy a home?

You might be ruling yourself out before you've even had the conversation.

I hear this from potential homebuyers all the time. They've got student loans, so they assume buying a home just isn't possible.

But here's the thing. Have you actually run the numbers?

Your student loan payment is just one piece of your financial picture.

Your income matters. Your other debts matter. And how your student loan payment is calculated matters.

FHA even has specific guidelines for borrowers on income-driven repayment plans.

Debt-to-income is a ratio, not a verdict.

Now, that doesn't mean everyone with student loans will qualify for a mortgage. But having student debt doesn't automatically mean the answer is no.

And I'd hate to see someone put their homeownership goals on hold for years based on an assumption that might not even be true.

If you've been renting and wondering whether your student loans are standing in the way, let's run your actual numbers.

Sometimes the most important first step is simply having the conversation.

💬 Have questions about qualifying with student loans? Send me a message. Happy to help you figure it out.



Tucker Maxwell | NMLS #1710674
Guild Mortgage Company | NMLS #3274

Equal Housing Opportunity

guildmortgage.com/licensing

All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

10/25/2026

5.0 star review received on Experience.com for Tucker Maxwell by Megan S - great communication, everything was done in such a timely fashion. Knew what to expect and where we were with the loan at all times.

Click to see all 271 reviews of Guild Mortgage - Tucker Maxwell, Senior Loan Officer | NMLS # 1710674

10/22/2026

5.0 star review received on Experience.com for Tucker Maxwell by Sandy N - Tucker was an excellent communicator throughout the process. He was proactive and confident. It felt like being hanbdled by someone who had done this ten thousand times before. I could tell he knew where every potential pitfall lay, and he was always 10 steps ahead. As a realtor I deal with hundreds of mortgage professionals every year. He stands out! I am going to start recommending him to other clients over other professionals that I have recommended in the past due to the quality of my experience with him...

Click to see all 269 reviews of Guild Mortgage - Tucker Maxwell, Senior Loan Officer | NMLS # 1710674