Guaranty Federal Mortgage

Guaranty Federal Mortgage Guaranty Federal Mortgage (GFM) is a Mortgage Lender based in Frisco, Texas. Apply Today! NMLS #213947

A great mortgage team doesn’t just serve buyers, they make life easier for everyone involved in the transaction.Receivin...
06/02/2026

A great mortgage team doesn’t just serve buyers, they make life easier for everyone involved in the transaction.

Receiving this kind of feedback from a builder means everything because builders see firsthand what happens behind the scenes. They know when communication is proactive, when timelines are protected, and when a lending team truly shows up.

We’re grateful for the trust placed in Guaranty Federal Mortgage and proud to deliver the kind of service that keeps transactions smooth, from contract to closing.

Whether you’re a buyer, builder, or agent, the right lending partner makes all the difference.

📩 Ready to work with a mortgage team committed to excellence? Send us a message today, we’d love to help make your next transaction seamless.

Your mortgage payment may include more than principal and interest.A portion can also go into an escrow account, which i...
06/01/2026

Your mortgage payment may include more than principal and interest.

A portion can also go into an escrow account, which is used to pay your property taxes and homeowners insurance when those bills come due.

So instead of you having to remember separate due dates, your servicer collects money monthly and pays those bills on your behalf.

Here is the part buyers need to know:

Your interest rate can be fixed, but your total monthly payment can still change.

Why?

Because property taxes and insurance premiums can change.

That is why understanding escrow matters before you buy, not after you get the payment notice.

Save this for later, especially if you are comparing monthly payments right now.

Chris Peck | President
Mortgage Professional
NMLS # 213914

Call Us: 972-334-0566
[email protected]
www.guarantyfederalmortgage.com

The obstacles you see are opportunities for Him to show His power. 💪When your strength runs out, His ability begins. 🌿Ke...
05/31/2026

The obstacles you see are opportunities for Him to show His power. 💪
When your strength runs out, His ability begins. 🌿
Keep believing, even when the outcome seems uncertain—God is still working

The universe has spoken… and apparently it’s very into paperwork. 😂If the first word you saw was PREAPPROVAL, that’s you...
05/29/2026

The universe has spoken… and apparently it’s very into paperwork. 😂

If the first word you saw was PREAPPROVAL, that’s your sign to stop casually scrolling Zillow and start finding out what you can actually afford.

Because “just looking” turns into “wait… could I buy this?” real fast.

Chris Peck | President
Mortgage Professional
NMLS # 213914

Call Us: 972-334-0566
[email protected]
www.guarantyfederalmortgage.com

A spousal buyout is one of those mortgage topics people usually do not learn about until they need it.Here is the simple...
05/27/2026

A spousal buyout is one of those mortgage topics people usually do not learn about until they need it.

Here is the simple version:

When a couple separates, one person may want to keep the home.

But if both people have ownership or equity in the property, the person staying may need to pay the other person their share.

That money may come from refinancing the mortgage.

What makes a spousal buyout different?

With a typical refinance, you may only be able to access up to 80% of the home’s value.

With a spousal buyout, certain situations may allow the mortgage to be refinanced up to 95% of the home’s value.

That extra room can help make the buyout possible without forcing a sale.

This is not something you want to figure out alone, especially when legal agreements, equity, income, and mortgage qualification all have to line up.

Save this for later. Share it with someone who needs to see this.

Chris Peck | President
Mortgage Professional
NMLS # 213914
Call Us: 972-334-0566
[email protected]
www.guarantyfederalmortgage.com

We’re truly grateful to receive feedback like this from our clients.At Guaranty Federal Mortgage, our goal has always be...
05/26/2026

We’re truly grateful to receive feedback like this from our clients.

At Guaranty Federal Mortgage, our goal has always been simple: to make the homebuying process feel clear, supported, and approachable, especially for first-time buyers who are navigating one of the biggest milestones of their lives.

We understand that getting a mortgage can feel overwhelming at first. That’s why we take the time to walk our clients through every step, answer questions with patience, and make sure they feel informed and confident from start to finish.

What means the most to us is hearing that the experience felt personal, not transactional. Every client deserves more than just a loan approval; they deserve guidance, communication, and a team that genuinely cares about their long-term success.

We’re proud to show up that way every day.

To all first-time homebuyers: you don’t have to figure it out alone. We’re here to guide you through it.

Send us a message anytime, we’re ready when you are.

Chris Peck | President
Mortgage Professional
NMLS # 213914

Call Us: 972-334-0566
[email protected]
www.guarantyfederalmortgage.com

Realtor Partner- Janae Hausman

05/25/2026

Memorial Day weekend has a way of making people think about home differently.

Not just the house itself, but the life happening inside and around it.

The cookouts.
The backyard conversations.
The family photos.
The kids playing outside.
The feeling of having a place where people naturally want to gather.

But here’s the part most buyers skip:

Before you start falling in love with homes online, it helps to understand your numbers first.

Your budget.
Your monthly payment comfort zone.
Your down payment options.
Your closing costs.
What you can realistically qualify for.

Because the memories may start at home, but the home-buying process usually starts with a mortgage plan.

Chris Peck | President
Mortgage Professional
NMLS # 213914
Call Us: 972-334-0566
[email protected]
www.guarantyfederalmortgage.com

Waiting can feel frustrating, but God has never missed a single moment in your life. What feels like a delay is often Hi...
05/24/2026

Waiting can feel frustrating, but God has never missed a single moment in your life.

What feels like a delay is often His way of protecting you, preparing you, and positioning you for something better.

Even when you don’t understand the timing, trust that His plan is unfolding exactly as it should.

Your breakthrough will come at the right time, not too early, not too late.

VA loans have always been one of the strongest mortgage options for eligible buyers.The problem?A lot of people still be...
05/22/2026

VA loans have always been one of the strongest mortgage options for eligible buyers.

The problem?

A lot of people still believe outdated myths about them.

Starting May 1, 2026, some VA appraisal requirements are being simplified, which may help reduce repair issues, seller hesitation, and closing delays.

That does not mean every VA loan is automatically easy.

It means the process may become smoother when the loan is structured the right way.

Comment or DM me the word ‘VA’ and I’ll help you review your options before you start house hunting.

Chris Peck | President
Mortgage Professional
NMLS # 213914
Call Us: 972-334-0566
[email protected]
www.guarantyfederalmortgage.com

05/20/2026

$10K off the purchase price sounds like the obvious win.

But it depends on what you need most.

$10K off the purchase price:

You’re lowering your loan amount by $10K.

At around a 6.25% rate over 30 years, that could be roughly:

$60 less per month
about $12K saved in interest over time

Sounds great, right?

But here’s the catch…

You still need cash for your closing costs.

So if you’re tight on funds, this may not help you get across the finish line.

$10K toward closing costs:

The price stays the same.

The loan may stay about the same.

But the seller helps cover $10K of your closing costs.

That means more money stays in your pocket at closing.

Yes, you may pay a little more over time.

But you’re not draining your bank account just to get the keys.

So which one is better?

Go with the price reduction if:

you already have cash saved
you want the lower monthly payment
you plan on staying long-term

Go with the closing cost credit if:

you’re tight on cash to close
you want reserves for moving, repairs, or life
you’re okay with a slightly higher payment

The goal is not just getting the keys.

It’s getting the keys and still liking your bank account after.

Comment “NUMBERS” and I’ll help you compare both options.

Chris Peck | President
Mortgage Professional
NMLS # 213914
Call Us: 972-334-0566
[email protected]
www.guarantyfederalmortgage.com

(I do not own the copyright to this music)

Address

6351 Preston Road Ste 125
Frisco, TX
75034

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+19723340566

Website

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