Sandra Guide - Embrace Home Loans

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.

08/18/2026

Sometimes it doesn’t matter how polite you are or how right you think you are… at the end of the day, the Underwriter needs to put their name on a file and if they really want a condition, we all need to get it.

08/16/2026

Move-in day for my son today and I couldn’t be more proud and excited for him. Although there’s a flurry of emotions going on, it’s overwhelmingly more positive than negative.

You make me so proud, bud, and I can’t wait to hear all of your stories and see all that you accomplish. The sky is the limit for you❤️💕🙏

08/10/2026

When you apply for a mortgage, it can sometimes feel like the Loan Officer is prying into every little detail of your life. It can be surprising but every document requested and question asked is only because there are specific mortgage guidelines that need to be followed. We would prefer not to ask half the questions we are required to but this is all part of responsible lending and doing our part to try to make sure borrowers have the ability to repay their debt. if you’re ever wondering why Loan Officer is asking you for something, just ask them and I’m sure they can give you a logical explanation.

08/07/2026

Everybody is going to have a different opinion on this one. I personally think it depends on the situation. If the person is planning to live in that house for a very long time or maybe the lower rate with paying points now is low enough to where they don’t think they would refinance again (or not for a very long time), I can see how it would make sense to pay the points upfront. However., if they don’t plan on living in the property for very long or they feel pretty confident that rates will come down enough to where refinancing would be more cost-effective, I would say it would make sense not to buy down the rate. I also think it sometimes boils down to the person’s preference and current situation. Sometimes it makes more sense to buy down the rate so they have a lower monthly mortgage payment because that works better in their budget. In other cases, having higher closing costs may drain their reserves which could be a negative if they need that money in the near term.

One of the best ways to purchase a multifamily is to live in one unit as your primary residence and rent the other units...
08/05/2026

One of the best ways to purchase a multifamily is to live in one unit as your primary residence and rent the other units out. This allows you to get a multifamily under your belt to start building generational wealth. It also makes it much more attainable because you will have lower down payment options.. Using an FHA loan you can put a minimum of 3.5% down and using a conventional loan, you could put a minimum of 5% down if you are curious about this, please reach out.

08/04/2026

This is where providing all of your income, asset and credit docs during the preapproval stage makes a huge difference in the long run. Having all docs in as soon as possible for a full review can uncover any potential obstacles during the loan process. You would rather find out now and not when you’re under contract. Call me if you need a full preapproval - we will make sure you are good to go before you are under contract.

Here is a helpful checklist if you are curious to see if the property will pass FHA, VA or USDA requirements.
07/31/2026

Here is a helpful checklist if you are curious to see if the property will pass FHA, VA or USDA requirements.

07/31/2026

What is a “healthy housing market” and are we in one? That would highly depend on where you live and can even boil down to what areas of a town or state you live in, as well. Reach out to an active, local real estate agent to ask what he or she is seeing to get a better idea of what your market is looking like.

07/30/2026

Time is a thief. Feels like just yesterday. ❤️🙏🥹

07/28/2026

People will sometimes ask “I make x amount of dollars per year - how much should I be able to get preapproved for?”

…….Which is a loaded question because so many factors go into figuring that out.

- What’s your debt load?
- How much are you able to put down?
- What are the property taxes?
- What’s the rate?
- How are you paid? Salary, hourly, commissions, bonus, etc?
- What kind of property are you looking to buy? Single family? Condo? Multi-family?

The only real way to know is to either apply for a preapproval or have a loan officer go through all of these questions with you to give you a better idea.

Address

264 N Broadway Unit 106
Salem, NH
03079

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