Shirley Dennis, Loan Officer, Guild Mortgage Company

01/03/2023

Recently purchased a home? Property transfers are public information, so marketers will know this too - and you may find your mailbox stuffed with their advertisements. These can be cleverly disguised as legitimate pieces of mail, so you'll want to be able to recognize what's important, and what's just junk. Here's how you can tell the difference.

01/02/2023

We make sure you have what you need throughout the life of the loan, even when things change. You’ll have our support and partnership no matter where life takes you.

01/01/2023

Where do you want to be this time next year? If it's in a new home, we can help you get there 🎉🎉

12/31/2022

Watch the ball drop - don't drop the ball. If homeownership is on your list of New Year's resolutions, we can help you get started. What better time to start than the first day of the year? See you in 2023!

12/28/2022

Struggling to sell? Guild Mortgage offers buydown options that utilize a seller credit to buy down the interest rate. Seller buydowns can help get your listing moving by making your listing more affordable without lowering the value. Questions? Talk to a loan officer today!

12/27/2022

💳 Credit scores are like a financial resume - they help lenders better understand your experience with credit.

📈 Higher scores = more reliable, less risk
📉 Lower scores = less reliable, more risk (or, sometimes...there’s just not enough information to know)

Here’s what kinds of information credit reporting agencies use to calculate your score:

📌Length of credit history
-How deep is your experience with credit? The longer the better.

📌Payment history
-Do you make your payments on time? Lenders love that.

📌Percent of credit used
-How much have you already used? Lower usage = more room for your mortgage payment

📌New credit
-How many new accounts have you opened? Are you able to take on more debt?

📌Types of credit
-Just like your credit history, different types of credit reflect more experience. This means credit cards, loans, mortgages, etc.

Remember – building your credit score is a marathon, not a race. If you keep these tips top of mind, we'll help you get your mortgage to the finish line 😉

12/26/2022

Is your credit score holding you back? Watch David Battany, Guild's EVP of capital markets, weigh in on how to improve homeownership for minorities and people with a thin credit history: https://bddy.me/3I1918E

Remote video URL Body The use of utility, telecommunications, and rental (UTR) payment history in mortgage underwriting has attracted recent policy attention as a solution to the nation’s persistent homeownership and wealth gaps. Such data show how a diverse range of people meet household expenses...

12/25/2022

From all of us here at Guild Mortgage, have a Holly Jolly Christmas. It's the best time of the year!

12/22/2022

Consolidate your revolving credit card debt. Pay a lower monthly payment by refinancing your debt at a lower rate than you’re currently paying without affecting your first mortgage. Click the link to learn about the Home Equity program: https://bddy.me/3BUI82v

12/20/2022

While basic home inspections are built into the FHA and VA loan appraisal process, they're primarily concerned with health and safety issues. A complete inspection can help you identify necessary repairs, budget for future maintenance, and possibly even help you in the negotiation process. Here's what you'll need to know to get started: https://bddy.me/3G9oVwy

12/19/2022

It's that time of year again - the holiday season is here!

12/14/2022

Celebrate the holiday season with 3-2-1 Home Plus. With as little as 3% down, first-time homebuyers can receive a $2,000 eGift card to The Home Depot® plus $1,000 to $2,500 towards your down payment and/or closing costs. Let’s get you home for the holidays with 3-2-1 Home Plus! https://bddy.me/3WhyyOJ