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Laura Merrifield - Guild Mortgage

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Honolulu, HI
Laura Merrifield - Guild Mortgage

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Producing Branch Manager | NMLS #377563
Com. NMLS | 3274
Hawaii, Arizona and CA
Equal Housing Opportunity Licensed to work in: Arizona, California and Hawaii

Laura Merrifield | Loan Officer | NMLS #377563
Guild Mortgage | Com. NMLS # 3274
Licensed -> AZ #104833, CA -DBO377563, HI -377563

Guild Mortgage Company: Equal Housing Opportunity, NMLS #3274 (www.nmlsconsumeraccess.org). Arizona BK #0018883, AZ LO-1046833; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. For more licensing information, please visit www.guildmortgage.com/licensing.

11/02/2026

Before the holiday calendar fills up, November gives homeowners a good window to knock out a few practical checks.

Winterize the outdoor A/C unit, clean the refrigerator coils, reverse ceiling fans, and make sure winter supplies are ready before you actually need them.

Then give the financial side of your home some attention. Review your benefits during open enrollment, confirm property tax deadlines, check your credit alerts, and compare your tax and insurance costs with what is being collected through escrow.

Homeownership involves more than making the mortgage payment each month. A little maintenance and a regular financial review can help you spot potential expenses before they become surprises.

Save this for your November checklist, and DM us if you want to review the mortgage side of your financial picture.

10/30/2026

Ever wonder why your mortgage interest rate might be different from someone else's?

Your mortgage rate isn't just about what's happening in the market!

In this video, I break down three important factors that can influence the interest rate you're offered:

📊 Credit Score – Your credit history and score can impact your rate. Generally, stronger credit can help you qualify for better pricing.

💰 Down Payment – How much you put down can affect your mortgage rate, although the impact varies depending on the loan program.

📈 Market Conditions – Mortgage rates are influenced by the broader financial market, including bond yields, economic conditions, and lender pricing.

Here's what I want you to remember: You can't control the market, but you CAN take steps to improve your financial position before buying a home!

And sometimes, understanding your options can make all the difference.

Thinking about buying a home or refinancing? Let's talk about what makes sense for YOU! ❤️🏡

10/29/2026

ONE MORE DAY until we PLAY FOR THE PAWS! 🐾🏓🎃

Hawaii, you have absolutely blown us away! ❤️

Our first annual Play for the Paws Pickleball Invitational is officially SOLD OUT, and we're getting ready for a whole lot of pickleball, costumes, laughter, and FUN!

But wait… the party doesn't stop at the pickleball courts! 🐶

Even though tickets are gone, there's still time to show some LOVE for the paws! ❤️

Can't make it? You can still be part of something amazing by making a donation.

🐾 No paddle required.
❤️ No costume necessary.
🏓 Just a BIG heart for a great cause!

Let's make these last 24 hours count!

❤️ DONATE HERE:
https://guildgiving.ejoinme.org/MyEvents/2026GuildforGoodPickleballTournamentHawaii/Donation/tabid/1601676/Default.aspx

Mahalo, Hawaii! Let's make our first Play for the Paws one to remember! 🌺🐾

10/28/2026

Two buyers can have the same credit score and still have different mortgage profiles.

Why? Because mortgage lending involves more than the number at the top of a credit report. Credit utilization, payment history, recent inquiries, newly opened accounts, and other details can all be part of the picture.

There’s another piece buyers are often surprised by: the score you see through a consumer credit app may not be the same scoring model used for a mortgage.

If buying a home is on your radar, we can review the mortgage side of your financial picture early so you have time to prepare before you’re making offers.

10/27/2026

A new baby. A new job. Getting married. Downsizing. A relationship ending.

Some of the biggest housing decisions start with a life change, not a listing.

When your circumstances shift, it may be worth looking at the financial side of your home too.

That could mean figuring out whether moving makes sense, understanding what your current equity may allow you to do, reviewing a future purchase, or simply getting clear on your options before making a decision.

You don’t need to have the whole plan figured out before reaching out.

We’re here to help you think through the mortgage and financial pieces so your next housing decision fits what life looks like now.

10/26/2026

Can you buy a home if you have student loans?

Potentially, yes. Having student loan debt by itself does not automatically take homeownership off the table.

When you apply for a mortgage, one of the things a lender looks at is your debt-to-income ratio. Your qualifying student loan payment may be included alongside obligations such as car payments, credit cards, and other debts.

Where it gets confusing is when your student loan statement shows a very low payment, a $0 payment, or the loans are deferred. Depending on the mortgage program and your circumstances, the payment used for qualification may be different from what you see on your statement.

That is why we would not recommend assuming you need to pay off student loans before you can buy.

Before moving money around or changing a repayment plan specifically to prepare for a mortgage, we can look at how the debt may be treated, what the rest of your financial picture looks like, and what buying power that could support.

The useful question is not just, “How much student debt do I have?”

It is, “How does my student debt affect my mortgage options?”

10/23/2026

Wow, Hawaii!

You really showed up for the paws! 🐾❤️🏓

Our first annual Play for the Paws Pickleball Invitational is officially out of tickets, and I couldn't be more excited about the incredible support from our community!

We're getting ready for an afternoon of pickleball, Halloween fun, delicious food, and, most importantly, coming together for a wonderful cause.

But here's the best part... you can still be part of making a difference! ❤️

Even if you can't join us on the courts, your donation can help us make an even bigger impact.

🐾 Every contribution matters, and every bit of support is appreciated!

❤️ Donate here: https://guildgiving.ejoinme.org/MyEvents/2026GuildforGoodPickleballTournamentHawaii/Donation/tabid/1601676/Default.aspx

Mahalo for helping us rally for the paws! 🌺🐾

10/22/2026

Buying a home isn’t just about what you can qualify for.

It’s also about what you want your life to look like after the mortgage payment is made.

Maybe you want room in the budget for travel. Dinner with friends. Kids’ activities. Investing. Or simply having enough breathing room that an unexpected expense doesn’t throw everything off.

That’s why we talk about comfortable payments and overall financial positioning before focusing on a purchase price.

The goal isn’t to buy the most house possible.

It’s to buy a home that works with the rest of your life.

10/21/2026

The ghosts can stay. But giving up that 3% mortgage rate? Now THAT’S scary. 👻🏡

You’ve got a haunted house and a 3% interest rate. What’s your next move?

👻 A. STAY:
Learn to live with the ghosts. That mortgage rate is hard to leave behind.

🏡 B. RENT IT OUT:
Let the tenants deal with the paranormal activity while you keep the property. (Full disclosure to the tenants, of course. 😂)

🔑 C. SELL:
The ghosts have won. You’re buying something else.

Here’s where we come in. A low mortgage rate can be a great reason to keep a home, but it doesn’t automatically make staying or renting the best financial decision.

We help you actually see the numbers. What would keeping the home cost you over time? What could renting it look like after expenses? What happens financially if you sell and buy something else?

We can put those scenarios side by side, including cash flow, equity, and long-term costs, in a way that’s surprisingly easy to understand.

Because making a big financial decision shouldn’t feel like walking into a haunted house blindfolded.

Now vote: 🗳️
A, B, or C? And how haunted would it have to be before you’d finally give up that 3% rate? 😂

10/20/2026

Not every renovation adds value when it is time to sell.

Some upgrades can narrow the pool of future buyers, remove features people expect, or cost far more than they are likely to return.

Before converting a garage, removing a bathtub, replacing closets with living space, or choosing highly customized finishes, think about how the change affects both your life today and the home's future marketability.

Even popular projects like pools or solar panels can depend heavily on the property, neighborhood, ownership or financing terms, and local buyer preferences.

Your home should work for you, but if resale matters, it is worth looking at the bigger financial picture before committing to a major project.

Address

677 Ala Moana Boulevard
Honolulu, HI
96815

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 5pm

Telephone

+18082235207

Website

https://branches.guildmortgage.com/hi/honolulu/laura-merrifield-734-kulm.html

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