Rebecca Hobson Guild Mortgage

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United States
Reno, NV
Rebecca Hobson Guild Mortgage

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I am authorized to do business in the states of NV & CA. It would be an honor to assist you on your home ownership journey!

Rebecca Hobson Guild Mortgage provides credit assistance for first time home buyers and credit assistance in Reno, NV northern California and Arizona.

10/31/2026

Market conditions are one thing, but personal readiness is the question that actually matters, and it goes a lot deeper than your credit score and income. 💖

The real indicators look more like this: your income is stable, you have reserves beyond your down payment, your timeline makes sense for staying put, your debt is manageable, and buying actually aligns with where your life is headed in the next few years, not just where it is today.

If most of those boxes feel solid, the timing conversation gets a lot more interesting than the headlines would have you believe.

Which box feels the shakiest for you right now? Drop it below and let’s talk through it. 👇

10/30/2026

Everyone is locked in on the rate, and I get it, but it is genuinely not the only thing controlling your payment. 💡

Your down payment, your loan term, and a rate buy-down can each move the needle in ways that waiting for the “perfect” rate simply cannot.

The best move is running the real numbers with all three levers, not guessing from a headline.

What would you want to see first if we ran your numbers right now? Drop it in the comments.

10/27/2026

Getting pre-approved feels like crossing the finish line, and honestly it should feel exciting because it is a big step. 🩵

But it is really the starting line, and what you do between pre-approval and closing matters more than most buyers realize going in.

The more you know upfront, the smoother that stretch tends to feel.

Questions about where you stand or what comes next? Drop them below. 👇

10/23/2026

Some days I am fully on and some days I am running on coffee and sheer determination, and I show up anyway because that is the job I gave myself when I decided to build something of my own. 💛

The days I least feel like showing up are almost always the ones that end up mattering the most, to a client, to my kids, or honestly just to me.

Consistency is not about being perfect every day. It is about making the decision every day, even when it is inconvenient, unglamorous, and nothing like the highlight reel.

What keeps you showing up on the hard days? Drop it below. 👇

10/23/2026

Student loans do not automatically disqualify you from buying a home. What lenders are actually looking at is how your monthly debt obligations, including your student loan payment, fit into your overall debt-to-income ratio. 💛

Here is where it gets interesting: different repayment plans are counted differently depending on the loan type you are applying for, which means how your loans are structured can actually matter as much as how much you owe.

This is almost never a flat no. It is almost always a conversation worth having before you assume the answer.

Are you sitting on student loans and wondering if homeownership is still possible? Send me a message! 💬

10/16/2026

Your mortgage interest rate is simply the cost of borrowing money, expressed as a percentage of your loan amount. That percentage determines a big chunk of your monthly payment and the total amount you pay over the life of the loan. 💖

It is set based on a combination of factors: your credit score, your down payment, the loan type you are using, and what the broader market is doing at the time you lock in.

The better your credit profile and the more skin you have in the game upfront, the more favorably that rate tends to move in your direction.

Confused about what your rate could look like based on your situation? Send me a message and let’s take a real look. 👇

10/14/2026

Fixed versus adjustable is one of those mortgage questions that sounds scarier than it actually is once someone explains it in plain English. 😄

Neither option is universally better. The right one depends on how long you plan to stay, what the rate environment looks like, and what your financial goals are over the next few years.

That is exactly the kind of conversation I love having before anyone signs anything.

Drop your situation below and let’s figure out which one actually makes sense for you. 💛

10/09/2026

Reno gets a lot of opinions from people who visited once, and I’ve been here my whole life, so I’ll give you the real version. 🏔️

The city has genuinely grown into something special, and that 30-minute drive to Lake Tahoe never gets old.

If you’re thinking about making the move, there’s a lot more to know than just what’s on Zillow.

send me a DM and I’ll tell you exactly what it takes to get here!

10/08/2026

Q4 is the window most self-employed borrowers do not realize they have until it is already closed. 😄

What you do with your books, your expenses, and your estimated taxes between now and December 31st directly affects how your file reads to a lender next year.

Future you is really hoping current you handles this one early.

Any questions about where to start? Drop them below. 💛

Address

3630 Mayberry Drive
Reno, NV
89509

Telephone

+17752342152

Website

https://branches.guildmortgage.com/

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