Amber Coleman, Loan Officer

Amber Coleman, Loan Officer Guild Mortgage is an Equal Housing Lender
Company NMLS # 3274
NV Banker #1076, NV Broker #1141
NMLS ID #229656
Licensed in NV, UT, ID

11/26/2025

A new home-buyer program called HOPer is about to change the game — and it could get you into a home with less stress, lower upfront costs, and more flexibility than you expect.

If you’re tired of waiting and want to see what you really qualify for, this could be your chance to get ahead. I break down exactly how HOPer works, who qualifies, and what you need to watch out for.

📞 DM me “HOPer” and I’ll walk you through eligibility and how to apply
📲 Tap the link in my bio to start your application now
🔔 Follow for mortgage updates, buyer resources, and insider loan officer tips

11/24/2025

Can you get rid of your HOA? 🏡 A lot of homeowners ask this — especially when fees climb or rules get out of control.
Here’s the truth: HOAs can be changed, but it’s not simple. It usually requires a majority vote, a rewrite of governing documents, and state-level compliance.

In this video, I break down what’s actually possible, what isn’t, and what steps owners can take if their HOA isn’t working for them.

📞 DM me “HOA” and I’ll send you a quick guide on your rights as a homeowner
📲 Tap my bio link if you need help with buying, refinancing, or understanding HOA rules
🔔 Follow for more real-world homeownership tips and mortgage breakdowns

11/21/2025

Not all mortgage approvals are the same. Manual underwriting and automated underwriting can give very different results depending on your income, credit history, debt, and overall file.

Automated approvals come from a system that instantly evaluates your file.
Manual underwriting is a deeper, human review that can help people with unique situations qualify when the system says no.

If you’ve ever been denied before, this might be the key to getting a second chance.

📞 DM me “UNDERWRITE” and I’ll check which method gives you the best shot at approval
📲 Tap the link in my bio to start your pre-approval today
🔔 Follow for daily mortgage tips and behind-the-scenes lending breakdowns

11/20/2025

You heard the Federal Reserve cut interest rates — but your mortgage rate didn’t budge. Why? Because mortgages don’t follow the Fed’s short-term rate directly. Instead, they’re tied to long-term factors like the 10-year Treasury yield, inflation expectations and the bond market.

In this video I break it down:
✅ What really drives your mortgage rate
✅ Why the Fed can cut yet you still pay more
✅ How you can act now—even if rates don’t fall

📞 DM me “RATECHECK” and I’ll run your numbers with today’s real drivers
🔔 Save this post & follow for actual mortgage insight, not just headlines

11/18/2025

Renting vs Buying in 2025… the gap is bigger than most people think.
With rising rents, new loan programs, and builder incentives, many people are realizing it can cost less to own than to rent—especially long term.

If you’re debating what makes more sense for your budget, your goals, and your future wealth, this breakdown is for you. Let’s run the numbers together and find out your real cost to rent vs buy.

📞 DM me “BUY” and I’ll compare your rent to a real payment
📲 Tap the link in my bio to check what you qualify for
🏡 Save this post so you can revisit the numbers anytime
🔔 Follow for more mortgage tips, programs, and real market updates

11/17/2025

New homebuyer assistance programs just dropped, and they’re opening the door for more first-time buyers than ever. From down-payment help to reduced mortgage insurance and flexible credit options, these programs are designed to get you into a home sooner—not “someday.”

If you’ve been waiting for the right opportunity… this is it.
Let’s find the program that fits YOU.

📞 DM me “PROGRAM” for a full breakdown of what you qualify for
📲 Tap the link in my bio to start your pre-approval
🏡 Save this post so you don’t forget these new benefits
🔔 Follow for daily mortgage updates and buyer tips

11/15/2025

Big change in the mortgage world: starting Nov 16 the usual 620 credit-score cutoff for conventional loans is gone. This means lenders backed by Fannie Mae will now evaluate your full financial picture instead of rejecting you solely for having a sub-620 score.
If you’ve been waiting to buy and thought your credit held you back, this could be your moment.
📞 Call me today and let’s check your profile under the new rules
💬 Comment “CreditChange” if you want my free guide to what this means for you
🔔 Save this post and follow for further mortgage updates, first-time buyer tips, and credit strategies

11/14/2025

Are you a first-time homebuyer feeling overwhelmed by the countless programs out there? 🏠 I’m a loan officer who breaks them all down — from down-payment assistance to credit-flexible loans to grants specific for you.
In this video I walk you through:
✔️ Which programs you might qualify for
✔️ How to stack them together for maximum savings
✔️ The key steps to get started today
If you’ve been waiting for your home-buying moment — this is it.
📞 DM me “PROGRAMS” and I’ll send you my free list of current first-time buyer programs + how to qualify
🔔 Follow for real mortgage advice, program updates, and home-buying strategies that give you an edge

11/11/2025

This new initiative is designed to help with lower down payments, better credit flexibility, and closing cost assistance — giving buyers a real shot at homeownership in today’s market.

If you’ve been waiting for the right time, this might be it. 💥

✅ I’ll be sharing full details as soon as the program goes live — make sure you’re ready when it drops!
📲 DM me “READY” and I’ll put you on my early update list so you don’t miss the announcement.
🔔 Follow for weekly loan updates, market insights, and exclusive first-time buyer opportunities.

11/11/2025

Major update dropping for conventional home loans starting Nov 15. The minimum credit score rule (620) is gone—yes, you read that right—and lenders will now look at your full financial picture instead.
As your loan officer, I’ll walk you through exactly what changed and how you can benefit from this new flexibility. Whether your credit isn’t perfect or you’ve had a bump in the past, this update could open the door to homeownership sooner than you thought.
📞 Call me today and let’s review your credit & options under the new rules
💬 Comment CREDITREADY if you want a free checklist on how to qualify under the new conventional loan guidelines
🔔 Save this post & follow for straight-forward mortgage updates, smart buying tips & insider knowledge for the 2025 market

11/05/2025

A 30-year mortgage isn’t a prison sentence — it’s a wealth-building plan. 💰

Too many people think buying a home locks them in for life, but here’s the truth:
You can refinance, sell, or leverage equity whenever your situation changes. Homeownership gives you control, not confinement.

Rent keeps you paying someone else’s mortgage — owning puts your money to work for you.
Your home can be your biggest financial tool, not a financial trap.

🏡 Ready to stop renting and start building equity?
📲 DM me “FREEDOM” and I’ll show you how to buy smart and keep your options open.
🔔 Follow for real mortgage advice that cuts through the noise and builds real wealth.

Address

1980 Festival Plaza #240
Las Vegas, NV
89135

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+17026047027

Website

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