Tosh Pence - Guild Mortgage

08/20/2026

A smooth closing doesn’t happen by accident. It comes down to communication, preparation, and staying ahead of the details. 🏡🤝

Susan, thank you for trusting me with your first-time homebuyers. Getting them from preapproval to closing on time and with zero surprises is exactly the experience I work to deliver on every transaction.

If you’re a Realtor looking for a dependable mortgage partner who communicates, stays on top of the process, and takes care of your clients, let’s connect.

08/19/2026

🏡 Your home may be more than where you live - it could also be a resource for what comes next.

With a Home Equity Line of Credit (HELOC) from Guild Mortgage, eligible homeowners may be able to tap into their home equity while keeping their existing first mortgage in place.

Whether you're thinking about renovating your home, managing larger expenses, consolidating debt, or simply want to understand the options available to you, a HELOC could be worth exploring.

💬 Curious how much equity you may be able to access? Send me a message and let's talk about your options!

08/14/2026

🏡 Did you know? If you're a teacher, firefighter, law enforcement officer, healthcare professional, active military member, veteran, or another eligible community hero, you may qualify for assistance through Florida's Hometown Heroes Housing Program.

This program is designed to help eligible homebuyers make homeownership more affordable with down payment and closing cost assistance, making it easier to take the next step toward owning a home.

Not sure if you qualify? That's what I'm here for! I'll walk you through your options, answer your questions, and help you determine which mortgage programs fit your goals.

📩 Send me a message today to see if you're eligible and let's get you one step closer to homeownership!

08/12/2026

💰 Did you know your home's equity could help you reach your next financial goal?

A Home Equity Line of Credit (HELOC) from Guild Mortgage can provide flexible access to your home's equity for home improvements, debt consolidation, major expenses, or even purchasing another property.

✅ Fast approvals
✅ Competitive financing options
✅ Flexible access to your equity

If you've been wondering whether a HELOC is the right fit for you, let's connect. I'd be happy to walk you through your options and help you make the most of your home's value.

07/22/2026

5.0 star review received on Experience.com for Tosh Pence by Susan L - From pre-approval to the closing table, Tosh provided an incredibly seamless experience for my first-time homebuyers. He communicated clearly every step of the way, ensuring my clients felt confident and well-informed about the often overwhelming mortgage process. We closed on time with zero surprises, making their dream of homeownership a wonderful reality!!

Click to see all 426 reviews of Guild Mortgage - Tosh Pence, Branch Manager | NMLS # 1585560

07/15/2026

🏡 Buyers aren't falling in love with the wrong homes - they're getting stuck on the monthly payment.

If you've heard, "We love the house... we're just not comfortable with the payment," you're not alone. It's one of the biggest challenges in today's market.

That's why I'm excited to share Payment Advantage - a financing solution that can help lower a buyer's monthly payment during the first year, with no seller contribution required. 💡

For real estate agents, it's another valuable strategy to help more buyers move forward with confidence and keep more transactions on track.

📩 Want to learn how Payment Advantage can add value to your next listing presentation or help your buyers? Let's connect!

07/09/2026

Did you know? 🏡
Many of the professionals who serve our communities every day may qualify for homeownership assistance programs.

The Florida Hometown Heroes Program is expected to return this July with $50 million in funding to help eligible homebuyers with down payment and closing cost assistance. If you're a teacher, nurse, first responder, military member, government employee, or work in another eligible profession, let's see what options may be available to you.

📩 Contact me to learn more!

07/08/2026

Grateful to be recognized alongside such an incredible group of professionals.

I'm thankful for the trust of my clients, the support of my referral partners, and the hard work of everyone behind the scenes who helps make each transaction possible.

Congratulations to everyone recognized as a June Top Producer - it's an honor to be included. Here's to another great month! 🙌

07/07/2026

5.0 star review received on Experience.com for Tosh Pence by Mark S - Tosh achieved the impossible with very challenging issues regarding the FHA loan. Im now approved and closed on the condo June 26th. His professionalism, communication skills, and confidence, sealed the deal for me. I Highly recommend Mr. TOSH

Click to see all 424 reviews of Guild Mortgage - Tosh Pence, Branch Manager | NMLS # 1585560