Tom Holyfield- Guild Mortgage Company LLC

06/01/2026

05/31/2026

FHA loans are designed to make homeownership more accessible—especially for buyers who may not fit the traditional mold.

Here’s why they work so well for many people:

• Low Down Payment
Buy a home with as little as 3.5% down, making it easier to get started.
• More Flexible Credit Guidelines
FHA loans are more forgiving with credit challenges than many conventional options.
• Higher Debt-to-Income Allowances
Allows more flexibility if you have car payments, student loans, or other obligations.
• Gift Funds Are Allowed
Your down payment can come from family or approved sources, not just savings.
• Great for First-Time Buyers
One of the most popular programs for buyers purchasing their first home.
• Stable Fixed-Rate Options
Predictable monthly payments help with long-term budgeting.

Bottom line:
FHA loans help more people turn the dream of homeownership into reality—even if they don’t have perfect credit or a large down payment.

05/29/2026

🚧 Credit challenges holding you back from buying a home? Don’t give up.

Not every borrower is mortgage-ready today… but with the right plan, they absolutely can be.

That’s why I confidently recommend Credit Security Group. They specialize in helping buyers become credit and mortgage ready the right way — with guidance tailored to homeownership goals.

If you or someone you know needs a clear path forward, reach out to:

📞 Mike Garcia
214-475-1663

Let’s turn “not yet” into “welcome home.” 🏡

05/28/2026

🏡 Ready to stop renting and start investing in yourself? Whether you’re looking in the country, small town, or just outside the city limits, a USDA loan could be your path to homeownership with NO down payment.

Call Tom Holyfield today at 903-452-8769 or apply online at
www.tomholyfield.com

The Holyfield Team at Guild Mortgage — helping East Texas families own what matters.

05/26/2026

🏠🏠Homeownership journeys don’t always happen on the first try, and Alberto’s story is proof that persistence pays off. He started and stopped his home search a few times and even had a contract fall through, but he stayed committed to reaching his goal of becoming a homeowner.

Alberto never hesitated to ask questions, and we were happy to walk through every step with him to give him the peace of mind and reassurance he needed throughout the process.

A huge thank you to his dedicated agent, Sarah Johnston, for being by his side every step of the way.👏

And as always, closing day was a breeze thanks to Theresa at US Title. 🎉Welcome home, Alberto! 🏡🏡

05/24/2026

Here's a simple explanation of the mortgage process. We are here beside you every step of the way. Have more questions? Just give me a call at 903-452-8769.