Patrice Gibney Cali, NMLS 1149403, Guild Mortgage Company LLC NMLS 3274

09/30/2025

HOMEBUYING TIP!
Most lenders focus only on the loan. Most financial advisors focus only on the money.
BUT FAMILIES DESERVE BOTH.
That's why the smartest choice is working with a lender who has a financial consultant on their team. (I DO)
* You'll know how the biggest purchase of your life impacts your taxes, retirement, insurance, and long-term wealth.
* You'll avoid costly mistakes that most families don't see until it's too late.
* You'll have a TRUE key advisor- Not JUST a lender.
Because the truth is: your home isn't just where you live, it's part of your WEALTH STRATEGY.
Please share, you never know who this post may speak to, at just the right time.
DM me today to connect!

Call now to connect with business.

09/18/2025

5.0 star review received on Experience.com for Patrice Smith by Myla S - Patrice was more than willing to ensure we were prepared!

Click to see all 18 reviews of Guild Mortgage - Patrice Smith, Loan Officer | NMLS # 1149403

09/17/2025

IN CASE YOU ARE WONDERING WHAT HAPPENED TODAY WITH THE FED LOWERING THE FED FUNDS RATE-
This was widely anticipated, but it did not lead to a decrease in mortgage rates. Instead, mortgage rates increased by about 4 basis points shortly after the Fed's announcement. This unexpected rise in mortgage rates was attributed to the market's reaction to the Fed's decision, which was based on economic indicators and not directly on the Fed's own rate change. The Fed's monetary policy decisions are often influenced by economic data, and the market reacts to these decisions, which can lead to temporary fluctuations in interest rates.
HOPE THIS HELPS! You can always call me directly for any other questions-
251-379-7192

09/03/2025

APPLY or CALL me today to see if you qualify for one of these amazing programs offered by the City and County of Mobile!
www.applywithpatrice.com
251-379-7192

08/15/2025

5.0 star review received on Experience.com for Patrice Smith by Pamela D - Communication was great throughout the entire process, and I was able to get the house I wanted.

Click to see all 16 reviews of Guild Mortgage - Patrice Gibney Smith, Sr. Loan Officer

07/19/2025

5.0 star review received on Experience.com for Patrice Gibney Smith by Susan G - Patrice was very informative, quick to respond, and made the process pretty seamless.

Click to see all 14 reviews of Guild Mortgage - Patrice Gibney Smith, Sr. Loan Officer

07/16/2025

5.0 star review received on Experience.com for Patrice Gibney Smith by K'cee O - Fantastic communication - both in the way the process was laid out and in direct conversations along the way. Buyer and myself were very confident that we were on track and knew what to expect. Always knowledgeable and giving solutions to any inconvenience, while showing support and positivit. Definitely a pleasure to work with!

Click to see all 13 reviews of Guild Mortgage - Patrice Gibney Smith, Sr. Loan Officer

06/25/2025

5.0 star review received on Experience.com for Patrice Gibney Smith by Valerie S - My customer had gone to 2 different lenders that turned her down for the same reasons that you aye able to get her approved for. You made her dream of homeownership cone true and for that I truly thank

Click to see all 12 reviews of Guild Mortgage - Patrice Gibney Smith, Sr. Loan Officer

06/23/2025

5.0 star review received on Experience.com for Patrice Gibney Smith by Liz D - Excellent communication! I really appreciate you working so hard to get this one to the finish line!

Click to see all 11 reviews of Guild Mortgage - Patrice Gibney Smith, Sr. Loan Officer

06/22/2025

5.0 star review received on Experience.com for Patrice Gibney Smith by Tammi - Patrice gave nothing but professional service and it was such a pleasure working with her, i look forward to working with her again

Click to see all 10 reviews of Guild Mortgage - Patrice Gibney Smith, Sr. Loan Officer

06/10/2025

5.0 star review received on Experience.com for Patrice Gibney Smith by Troy J - Patrice was courteous and knowledgeable which helped the closing process easy.

Click to see all 7 reviews of Guild Mortgage - Patrice Gibney Smith, Sr. Loan Officer

06/10/2025

5.0 star review received on Experience.com for Guild Mortgage - Patrice Gibney Smith by Erik H - Patrice is amazing! She's prompt, professional, knowledgeable, and extremely communicative! Furthermore, her infectious energy
made working with her very enjoyable!

Click to see all 6 reviews of Guild Mortgage - Patrice Gibney Smith, Sr. Loan Officer