Mortgages by Ellie

09/08/2026

One thing I wish more buyers knew:

You don’t have to figure out whether you qualify before you call me.

I’ve talked to people who assumed being self-employed would make buying impossible. Others thought their credit automatically took them out of the running. Some simply looked at their situation and thought, “There’s no way this is going to work.”

Sometimes they’re right and we need a little more time.

But sometimes there’s another option we haven’t looked at yet.

That’s why I’d rather look at the full picture before you count yourself out.

Before we rule it out, let me look at it.

09/03/2026

Just checking...

Because there are a lot of things about buying a home that you don’t really know until someone tells you.

Have a mortgage question you’ve been wondering about? Send me a DM anytime.

09/01/2026

There are a lot of great parts of this job, but celebrating with buyers when their offer is accepted will always be one of my favorites.

(An iced coffee doesn’t hurt either.)

08/27/2026

One of the questions I get asked most is, “Could I actually afford to buy a home?”

The answer is different for everyone, but here’s one hypothetical example of how the numbers can work.

If you’ve ever wondered what buying a home could look like for you, I’d be happy to run your numbers and talk through your options. Send me a DM anytime!

08/26/2026

Happy National Dog Day to my favorite coworkers, Basil & Lola. 🐾

08/18/2026

Buying your first home can feel overwhelming, but getting pre-approved is one of the easiest ways to make the process feel a whole lot clearer.

A pre-approval helps you understand what you can comfortably afford before you start touring homes. It can also help you move more confidently when you find a home you love, since sellers and real estate agents know you’ve already taken an important first step.

One thing I always tell first-time buyers: getting pre-approved doesn’t mean you’re committing to buying a home tomorrow. It simply gives you information so you can make decisions with confidence when the time is right.

Swipe through to learn:
• What a pre-approval is
• What documents you’ll need
• How long it takes
• Why real estate agents ask for one
• The difference between pre-approval and pre-qualification
• How long a pre-approval typically lasts
• What happens next

If buying a home is on your radar this year or even next, this is a great place to start.

Save this post for future reference, and if you have questions about getting pre-approved, send me a message. I’m always happy to help.

08/08/2026

5.0 star review received on Experience.com for Ellie Breitbach by Katherine E - Ellie is attentive and great at answering questions for first time home buyers. Plus the 5k grant helped cover closing costs. Thank you!!!

Click to see all 109 reviews of Guild Mortgage - Ellie Breitbach, Loan Officer | NMLS # 1849568