Sandra Guide - Embrace Home Loans

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Sandra Guide - Embrace Home Loans Licensed in NH, MA, ME, CT & FL. NMLS #781301. Branch NMLS ID 1322548

https://www.youtube.com/channel/UC1RT1f0_RZAkiIJaxShyGfg

Senior Loan Officer at Embrace Home Loans helping first-time buyers and homeowners with smart mortgage strategies, low down payment options, and clear communication.

10/14/2026

I was surprised to get the same question a couple of times in just the past month so I wanted to clarify for anybody else that was wondering. Age is not a factor in a lending decision other than being at least 18 years old so that you are legally able to enter into a contract. If you need a 30 year mortgage and you are a senior citizen, it does not matter how old you are. What matters is if you qualify just like anybody else… based on your credit, income and assets.

4.83 star review received on Experience.com for Sandra Guide by Alexia P - Sandra was very attentive and supportive ...
10/13/2026

4.83 star review received on Experience.com for Sandra Guide by Alexia P - Sandra was very attentive and supportive throughout my entire process. Helped answer any questions or concerns I had, answered every one of my phone calls when a random question I had came to mind, or something I saw on a document that I needed clarification on. She was always there! The level of professionalism, honesty and dedication she showed me during this process is unmatched! The additional tools your platform offers, the app, the team emails.... all helped me stay on track with deadlines. The entire teams level of communication helped keep this process running smoothly. Thank you team, excellent job!

Read more: https://experience.com/reviews/sandra-guide-437272/a93ba537-e6e3-430e-902e-44f884e77482?V=1791908037&utm_source=facebook&utm_medium=autopost&utm_content=13744475

10/12/2026

What if your first home could actually help pay your mortgage?

It’s called HOUSE HACKING, and it might be one of the smartest ways to get started in real estate!

Imagine buying a 2–4 unit property, living in one unit, and collecting rent from the others to help cover your monthly mortgage payment.

And here’s what surprises most people…

✅ FHA financing may allow as little as 3.5% down

✅ Conventional financing may allow as little as 5% down

✅ Rental income from the other units may help you qualify

You don’t necessarily need 20% down to become a homeowner AND a landlord!

Curious whether this strategy could work for you? Send me a message. I’d love to help you explore your options!

MortgageTips EmbraceHomeLoans

10/10/2026

If you’re not necessarily ready to talk to a Loan Officer or apply for a preapproval, but you’re still curious about what you might get preapproved for if you did apply, here’s a quick calculation you can do on your own to see approximately where you stand. If you want to be sure, reach out to me.

10/09/2026

Why won’t he love me?!!! Mortgage rates don’t care about you, hunny. Stop trying to figure him out - know the monthly payment that works for your budget and work backwards into an estimated purchase price. Don’t let him tell you what you can and can’t do.

10/08/2026

The VA does NOT issue VA loans - private lenders (like Embrace Home Loans do). The VA sets the minimum requirements for a VA loan but every lender will have different rates, fees and even potentially overlays (additional rules on top of the VA minimum standards), so picking the right lender for your VA loan is just as important as picking the right home.

If you’d like to know what Embrace’s VA loans are like, reach out to me and we will go over it together.

10/05/2026

When your house isn’t selling, reducing the sales price isn’t your ONLY option to try to get some buyer interest. You could also offer a seller concession, which is money that you offer the buyer out of your net proceeds that cover that portion of closing costs. Seller concessions can be used towards simply reducing closing costs OR the buyer may choose to use that to lower their interest rate. Both are pretty enticing propositions for a potential buyer. The upside is you might be able to offer a generous seller concession that’s still LESS than what you may have reduced your asking price for which means - more money in your pocket and a happy buyer.

Depending on the loan program and how the deal is structured, there are limits to what you can offer as a seller concession. Reach out if you’re not sure what these are. Happy selling! Ascend Studiios | Video Production

10/04/2026

Had us a day today at the Londonderry Senior Expo🙌 Norman Boyd Matt Boyd

10/02/2026

Mortgage rates continue to go up and is understandably causing buyers, sellers, loan officers and real estate agents to panic. In the midst of this, though, there IS a silver lining for buyers. In a higher rate environment, there are going to be more buyers that drop out of the market which leaves less competition and more negotiating leverage for the buyers that remain. This can be a very good opportunity for these buyers. I’m not saying I love this either and my hope is that we will balance out sooner rather than later, but while we are here, some buyers may be able to take advantage of the position they are in.

09/30/2026

Most people aren’t sure exactly what it takes to buy a house and that’s ok because that’s what we are here for. But we were curious so we interviewed a few people in Manchester, NH. Looks like the biggest misconception is still the minimum down payment requirement. Almost everyone thought you needed much more than you actually would, especially if you’re buying your primary residence. If you’re curious if you’d qualify and what the out-of-pocket expense would look like for you, reach out to me and let’s go over numbers.

Address

264 N Broadway Unit 106
Salem, NH
03079

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